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Minimum Car Insurance Coverage Requirements by State

Find out if your car insurance policy meets your state's minimum liability coverage requirements. We have the minimum car insurance requirement for each state.

Minumum Liability Car Insurance Coverage Requirements by state

Every state's minimum insurance levels are slightly different, but all of them include these three basic components:

  • Individual Bodily Injury Liability (BIL): This is the maximum amount that your insurance company will pay for an single person injured in a car accident. National minimums range from $10,000 to $50,000.
  • Total Bodily Injury Liability: This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000.
  • Property Damage Liability (PIL): This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000.

Each insurer has its own way of determining rates. That's why it's important to compare quotes across all companies when shopping for liability insurance. This will help guarantee that the rate you’re paying is the best possible for your needed coverage and protection.

Are the minimum insurance requirements enough?

Because many states' minimum insurance levels are low compared to the national averages, it's important to consider purchasing more than the bare minimum. Some states only require drivers to carry $5,000 in Property Damage Liability, but with so many cars worth well over that, a large percentage of car accidents cause far more than $15,000 worth of property damage. The same goes for Bodily Injury Liability requirements. It's definitely worth paying a few dollars more for higher coverage levels instead of risking finding out after an accident that you weren't carrying enough insurance.

While it may sound like a lot, insurance companies recommend around 100/300/100 for most drivers (that's $100,000 and $300,000 for BIL and $100,000 for PIL). In today's hyper-litigious culture, paying a little extra for significantly more protection is a prudent decision that could save you a huge headache (and cash!) down the road.

Minimum Liability Car Insurance Levels by State

Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/10
District of Columbia 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
Nevada 15/30/10
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 25/50/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 20/40/10
Wisconsin 25/50/10
Wyoming 25/50/20

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