Minimum Auto Insurance
The minimum auto insurance required in each state varies greatly. Generally, states require a driver to carry minimum coverage that includes bodily injury liability coverage and property damage liability coverage.
State Minimums
Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/5
Florida 10/20/10
Georgia 15/30/10
Hawaii 20/40/10
Idaho 20/50/15
Illinois 20/40/15
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 20/40/10
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
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 10/20/10
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 15/30/10
South Dakota 25/50/25
Tennessee 25/50/10
Texas 20/40/15
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Wisconsin 25/50/10
West Virginia 20/40/10
Wyoming 25/50/20
The first two numbers represent minimum required bodily injury coverage limits. The third number represents minimum required property damage coverage limits.
For example, in Wyoming the state minimums are 25/50/20. This means:
The bodily injury limit per person is $25,000.
The bodily injury limit for all parties is $50,000, with no single person receiving more than $25,000.
The property damage limit is $20,000.
It’s easy to see how these coverage limits could quickly become inadequate. If there are 4 people in your vehicle (including yourself) and an accident occurs, the maximum payable for injuries is $50,000. However, if two people quickly file claims, each can receive $25,000. This leaves no more coverage for yourself, and the fourth person can sue you for additional injury damages.
Today’s vehicles are becoming more and more expensive. The property damage limit in this case is $20,000. If you are at fault in an accident and you do more than $20,000 in damage to other vehicle(s), you will be responsible for all damages above $20,000.
You should carefully consider how much auto insurance you are going to carry.