Auto Insurance Laws

Auto insurance laws vary greatly by state. Laws also change frequently. Be sure to check with your local jurisdiction for the most current and up to date information.

Listed below are the state minimums for various U.S. jurisdictions. For a more in depth explanation of auto insurance coverages, review our auto insurance basics page.

Alabama Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Alaska Minimum Insurance Requirements
Bodily Injury Liability: $50,000/$100,000
Property Damage Liability: $25,000

Arizona Minimum Insurance Requirements
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $10,000

Arkansas Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

California Minimum Insurance Requirements
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $5,000

For drivers in the Automobile Assigned Risk Plan:
Bodily Injury Liability: $10,000/$20,000
Property Damage Liability: $3,000

Colorado Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $15,000

Connecticut Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Underinsured Motorist Bodily Injury: $20,000/$40,000

Delaware Minimum Insurance Requirements
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $10,000
Personal Injury Protection: $15,000/$30,000

Florida Minimum Insurance Requirements
Property Damage Liability: $10,000
Personal Injury Protection: $10,000

Georgia Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Hawaii Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $10,000
Personal Injury Protection or Managed Care (PPO):$10,000

Idaho Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $15,000

Illinois Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $15,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Underinsured Motorist Bodily Injury: $20,000/$40,000

Indiana Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000

Iowa Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $15,000

Kansas Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $4,500 Medical/$900 Work Loss

Kentucky Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Personal Injury Protection: $10,000

Louisiana Minimum Insurance Requirements
Bodily Injury Liability: $10,000/$20,000
Property Damage Liability: $10,000

Maine Minimum Insurance Requirements
Bodily Injury Liability: $50,000/$100,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $50,000/$100,000
Underinsured Motorist Bodily Injury: $50,000/$100,000
Medical Payments: $1,000

Maryland Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $15,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Underinsured Motorist Bodily Injury: $20,000/$40,000
Uninsured Motorist Property Damage: $15,000
Personal Injury Protection: $2,500

Massachusetts Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $5,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Personal Injury Protection: $8,000

Michigan Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $10,000
Property Protection Insurance: $1,000,000
Personal Injury Protection – Medical
Personal Injury Protection – Work Loss

Minnesota Minimum Insurance Requirements
Bodily Injury Liability: $30,000/$60,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $40,000

Mississippi Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Missouri Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000

Montana Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000

Nebraska Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Nevada Minimum Insurance Requirements
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $10,000

New Hampshire Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Medical Payments: $1,000
New Hampshire does not have compulsory auto insurance liability laws.

New Jersey Minimum Insurance Requirements
Basic:
Property Damage Liability: $5,000
Personal Injury Protection: $15,000

Standard Policy:
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $5,000
Uninsured Motorist Bodily Injury: $15,000/$30,000
Underinsured Motorist Bodily Injury: $15,000/$30,000
Uninsured Motorist Property Damage: $5,000
Underinsured Motorist Property Damage: $5,000
Personal Injury Protection: $15,000

*Both Policies include $250,000 PIP for significant or permanent injury.

New Mexico Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000

New York Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $50,000

North Carolina Minimum Insurance Requirements
Bodily Injury Liability: $30,000/$60,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $30,000/$60,000
Uninsured Motorist Property Damage: $25,000

North Dakota Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $30,000

Ohio Minimum Insurance Requirements
Bodily Injury Liability: $12,500/$25,000
Property Damage Liability: $7,500

Oklahoma Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Oregon Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $15,000

Pennsylvania Minimum Insurance Requirements
Bodily Injury Liability: $15,000/$30,000
Property Damage Liability: $5,000
First Party Benefits (PIP): $5,000

Rhode Island Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000

South Carolina Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Uninsured Motorist Property Damage: $25,000

South Dakota Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000

Tennessee Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $15,000

Texas Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000

Utah Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$65,000
Property Damage Liability: $15,000
Personal Injury Protection: $3,000

Vermont Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $50,000/$100,000
Underinsured Motorist Bodily Injury: $50,000/$100,000
Uninsured Motorist Property Damage: $10,000

Virginia Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $20,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Underinsured Motorist Bodily Injury: $25,000/$50,000
Uninsured Motorist Property Damage: $20,000
Underinsured Motorist Property Damage: $20,000

Washington Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000

West Virginia Minimum Insurance Requirements
Bodily Injury Liability: $20,000/$40,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Uninsured Motorist Property Damage: $10,000

Wisconsin Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Wisconsin does not have compulsory auto insurance liability laws.

Wyoming Minimum Insurance Requirements
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $20,000

OTHER UNITED STATES JURISDICTIONS

Puerto Rico
Liability coverage is not required. In most cases, the driver is responsible for any damages done, under any circumstances, to their own vehicles.

Washington D.C.
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000