Understanding State Requirements for Auto Insurance

State Auto Insurance Requirements

Here is a list of each U.S. state's minimum personal auto insurance coverage requirements:

Alabama

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Alaska

  • Bodily Injury Liability: $50,000 per person
  • Bodily Injury Liability: $100,000 per accident
  • Property Damage Liability: $25,000 per accident

Arizona

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Arkansas

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Personal Injury Protection: $5,000 per accident

California

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $5,000 per accident

Colorado

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Connecticut

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person
  • Uninsured/Underinsured Motorist Bodily Injury: $50,000 per accident

Delaware

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $15,000 per person
  • Personal Injury Protection: $30,000 per accident

Florida

  • Personal Injury Protection: $10,000 per person
  • Property Damage Liability: $10,000 per accident

Georgia

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Hawaii

  • Bodily Injury Liability: $20,000 per person
  • Bodily Injury Liability: $40,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $10,000 per person

Idaho

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Illinois

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Indiana

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Iowa

  • Bodily Injury Liability: $20,000 per person
  • Bodily Injury Liability: $40,000 per accident
  • Property Damage Liability: $15,000 per accident

Kansas

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Personal Injury Protection: $4,500 per person for medical expenses

Kentucky

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Personal Injury Protection: $10,000 per accident

Louisiana

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $25,000 per accident

Maine

  • Bodily Injury Liability: $50,000 per person
  • Bodily Injury Liability: $100,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $50,000 per person
  • Uninsured Motorist Bodily Injury: $100,000 per accident
  • Medical Payments: $2,000 per person

Maryland

  • Bodily Injury Liability: $30,000 per person
  • Bodily Injury Liability: $60,000 per accident
  • Property Damage Liability: $15,000 per accident
  • Personal Injury Protection: $2,500 per accident
  • Uninsured Motorist Bodily Injury: $30,000 per person
  • Uninsured Motorist Bodily Injury: $60,000 per accident

Massachusetts

  • Bodily Injury Liability: $20,000 per person
  • Bodily Injury Liability: $40,000 per accident
  • Property Damage Liability: $5,000 per accident
  • Personal Injury Protection: $8,000 per person

Michigan

  • Bodily Injury Liability: $50,000 per person
  • Bodily Injury Liability: $100,000 per accident
  • Property Protection Insurance: $1,000,000 per accident
  • Personal Injury Protection: unlimited

Minnesota

  • Bodily Injury Liability: $30,000 per person
  • Bodily Injury Liability: $60,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $40,000 per person
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Mississippi

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Missouri

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Montana

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident

Nebraska

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Nevada

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident

New Hampshire

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

New Jersey

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $5,000 per accident
  • Personal Injury Protection: $15,000 per person

New Mexico

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident

New York

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $50,000 per person
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

North Carolina

  • Bodily Injury Liability: $30,000 per person
  • Bodily Injury Liability: $60,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $30,000 per person
  • Uninsured Motorist Bodily Injury: $60,000 per accident

North Dakota

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Personal Injury Protection: $30,000 per person
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Ohio

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Oklahoma

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Oregon

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident
  • Personal Injury Protection: $15,000 per person
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Pennsylvania

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $5,000 per accident
  • Personal Injury Protection: $5,000 per person

Rhode Island

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

South Carolina

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

South Dakota

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Tennessee

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Texas

  • Bodily Injury Liability: $30,000 per person
  • Bodily Injury Liability: $60,000 per accident
  • Property Damage Liability: $25,000 per accident

Utah

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $65,000 per accident
  • Property Damage Liability: $15,000 per accident
  • Personal Injury Protection: $3,000 per person

Vermont

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $10,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per person
  • Uninsured Motorist Bodily Injury: $100,000 per accident

Virginia

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident

Washington

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident

West Virginia

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Wisconsin

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person
  • Uninsured Motorist Bodily Injury: $50,000 per accident

Wyoming

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $20,000 per accident

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