Auto Insurance Requirements by State

 

Auto insurance requirements vary by state within the United States. Each state sets its own minimum coverage requirements for liability insurance, which typically include bodily injury liability and property damage liability. Some states may also require additional coverage types. Here's an overview of the typical auto insurance requirements by state:

  1. Bodily Injury Liability (BI): Covers injuries or death you cause to someone else in an accident.

  2. Property Damage Liability (PD): Covers damage you cause to someone else's property in an accident.

  3. Personal Injury Protection (PIP) or Medical Payments (MedPay): Covers medical expenses for you and your passengers, regardless of fault.

  4. Uninsured/Underinsured Motorist Coverage (UM/UIM): Protects you if you're in an accident caused by a driver with insufficient or no insurance.

  5. Collision Coverage: Pays for damage to your vehicle caused by a collision with another vehicle or object.

  6. Comprehensive Coverage: Covers damage to your vehicle from non-collision incidents like theft, vandalism, natural disasters, etc.

Here are the minimum liability coverage requirements for each state (as of my last knowledge update in January 2022):

  • Alabama: 25/50/25
  • Alaska: 50/100/25
  • Arizona: 25/50/15
  • Arkansas: 25/50/25
  • California: 15/30/5
  • Colorado: 25/50/15
  • Connecticut: 25/50/25
  • Delaware: 25/50/10
  • Florida: 10/20/10 (No-fault state with PIP requirements)
  • Georgia: 25/50/25
  • Hawaii: 20/40/10
  • Idaho: 25/50/15
  • Illinois: 25/50/20
  • Indiana: 25/50/25
  • Iowa: 20/40/15
  • Kansas: 25/50/25
  • Kentucky: 25/50/25
  • Louisiana: 15/30/25
  • Maine: 50/100/25
  • Maryland: 30/60/15
  • Massachusetts: 20/40/5
  • Michigan: 20/40/10 (No-fault state with PIP requirements)
  • Minnesota: 30/60/10
  • Mississippi: 25/50/25
  • Missouri: 25/50/25
  • Montana: 25/50/20
  • Nebraska: 25/50/25
  • Nevada: 25/50/20
  • New Hampshire: 25/50/25 (Minimum required for financial responsibility, not mandatory if you show proof of ability to cover damages)
  • 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: 25/50/20
  • Pennsylvania: 15/30/5
  • Rhode Island: 25/50/25
  • South Carolina: 25/50/25
  • South Dakota: 25/50/25
  • Tennessee: 25/50/15
  • Texas: 30/60/25
  • Utah: 25/65/15
  • Vermont: 25/50/10
  • Virginia: 25/50/20
  • Washington: 25/50/10
  • West Virginia: 25/50/25
  • Wisconsin: 25/50/10
  • Wyoming: 25/50/20

It's important to note that these are minimum requirements, and it's often recommended to consider higher coverage limits to better protect yourself financially in case of an accident. Additionally, some states might have specific laws or additional coverage requirements, so it's crucial to check with your state's department of insurance or a qualified insurance agent for accurate and updated information.

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