Most states have mandatory car insurance coverage requirements. The penalties for driving without auto insurance might include fines, a driver’s license suspension, and being forced to foot the bill if you are involved in a collision. On this page, we’ve outlined the minimum car insurance requirements in each state.
Key:
PP = Per Person
PA = Per Accident
BI = Bodily Injury
PD = Property Damage
MPC = Medical Payments Coverage
Alabama
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
Alaska
$50,000 Bodily Injury Liability PP
$100,000 Bodily Injury Liability PA
$25,000 PD Liability
Arizona
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability
Arkansas
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
California
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability
Colorado
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability
Connecticut
$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$20,000 Uninsured/Underinsured Motorist BI Coverage PP
$40,000 Uninsured/Underinsured Motorist BI Coverage PA
Delaware
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability
Florida
$10,000 PD Liability
$10,000 Personal Injury Protection
Georgia
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
Hawaii
$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$10,000 Personal Injury Protection
Idaho
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability
Illinois
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Indiana
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
Iowa
$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$15,000 PD Liability
Kansas
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Personal Injury Protection: $900/month for lost income or disability, $4,500 PP for medical costs, $4,500 for rehabilitation, $2,000 for burial/cremation
Kentucky
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$10,000 Personal Injury Protection
Louisiana
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$25,000 PD Liability
Maine
$50,000 Bodily Injury Liability PP
$100,000 Bodily Injury Liability PA
$25,000 PD Liability
$50,000 Uninsured Motorist Coverage PP
$100,000 Uninsured Motorist Coverage PA
$2,000 MPC
Maryland
$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$15,000 PD Liability
$30,000 Uninsured/Underinsured Motorist BI Coverage PP
$60,000 Uninsured/Underinsured Motorist Coverage PA
$15,000 Uninsured/Underinsured Motorist PD Coverage
Massachusetts
$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$5,000 PD Liability
$20,000 Uninsured Motorist Coverage PP
$40,000 Uninsured Motorist Coverage PA
$8,000 Personal Injury Protection
Michigan
$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$1 million property protection insurance, which covers damage your vehicles causes to property such as fences and buildings, as well as parked cars
Personal injury protection insurance, which covers a portion of lost income, healthcare expenses, and essential services no matter who is liable for the accident
Minnesota
$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist BI Coverage PA
$40,000 Personal Injury Protection
Mississippi
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
Missouri
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Montana
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
Nebraska
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Nevada
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability
New Hampshire
In New Hampshire, having car insurance is optional, but if you cause an accident and you are uninsured, you may have pay for any resulting damages out of your own pocket. If you decide to purchase insurance, the minimum coverage limits are:
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist BI Coverage PA
$25,000 Uninsured/Underinsured Motorist PD Coverage
$1,000 MPC
New Jersey
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability
$15,000 MPC
New Mexico
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
New York
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$50,000 Liability for Death PP
$100,000 Liability for Death PA
$50,000 Personal Injury Protection
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
North Carolina
$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$25,000 PD Liability
$30,000 Uninsured Motorist Coverage PP
$60,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage
North Dakota
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$30,000 Uninsured Motorist PD Coverage
Ohio
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
Oklahoma
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
Oregon
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$15,000 Personal Injury Protection
Pennsylvania
$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability
$5,000 MPC
Rhode Island
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
South Carolina
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage
South Dakota
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Tennessee
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability
Texas
$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$25,000 PD Liability
Utah
$25,000 Bodily Injury Liability PP
$65,000 Bodily Injury Liability PA
$15,000 PD Liability
$3,000 Personal Injury Protection
Vermont
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$50,000 Uninsured Motorist Coverage PP
$100,000 Uninsured Motorist Coverage PA
$10,000 Uninsured Motorist PD Coverage
Virginia
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist Coverage PA
$20,000 Uninsured/Underinsured Motorist PD Coverage
Washington
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
Washington, D.C.
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist Coverage PA
$5,000 Uninsured/Underinsured Motorist PD Coverage
West Virginia
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage
Wisconsin
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Wyoming
$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
