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State-by-State Insurance Requirements
Each state has its own list of insurance requirements. Discover the required amount in your state with the table below.
Required Coverage
Minimum liability limits are measured in thousands
of dollars.
State Insurance Required Minimum Liability Limits
AlabamaBodily Injury & Property Damage Liability(effective June 2000)20/40/10
AlaskaBodily Injury & Property Damage Liability50/100/25
Arizona Bodily Injury & Property Damage Liability 15/30/10
Arkansas Bodily Injury & Property Damage Liability 25/50/15
CaliforniaBodily Injury & Property Damage Liability 15/30/5
ColoradoBodily Injury & Property Damage Liability, Personal-Injury-Protection25/50/15
ConnecticutBodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist20/40/10
DelawareBodily Injury & Property Damage Liability, Personal-Injury-Protection 15/30/5
District of Columbia Bodily Injury & Property Damage Liability, Uninsured Motorist25/50/10
FloridaProperty Damage Liability, Personal-Injury-Protection 10/20/10
GeorgiaBodily Injury & Property Damage Liability15/30/10
HawaiiBodily Injury & Property Damage Liability, Personal-Injury-Protection20/40/10
IdahoBodily Injury & Property Damage Liability25/50/15
IllinoisBodily Injury & Property Damage Liability, Uninsured Motorist20/40/15
IndianaBodily Injury & Property Damage Liability 25/50/10
IowaBodily Injury & Property Damage Liability 20/40/15
KanasasBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist25/50/10
KentuckyBodily Injury & Property Damage Liability, Personal-Injury-Protection25/50/10
LouisianaBodily Injury & Property Damage Liability10/20/10
MaineBodily Injury & Property Damage Liability, Uninsured Motorist 50/100/25†
MarylandBodily Injury & Property Damage Liability, Personal-Injury-Protection (may be waived for the policyholder but compulsory for passengers), Uninsured Motorist20/40/10
MassachusettsBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist20/40/5
MichiganBodily Injury & Property Damage Liability, Personal-Injury-Protection 20/40/10
MinnesotaBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist, Underinsured Motorist 30/60/10
MississippiFinancial Responsibility Only 10/20/5
MissouriBodily Injury, Property Damage Liability, Underinsured Motorist 25/50/10
MontanaBodily Injury & Property Damage Liability25/50/10
NebraskaBodily Injury & Property Damage Liability25/50/25
NevadaBodily Injury & Property Damage Liability15/30/10
New HampshireFinancial Responsibility Only, Uninsured Motorist 25/50/25
New JerseyBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist15/30/5
New MexicoBodily Injury & Property Damage Liability25/50/10
New YorkBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist 25/50/10
25/50/100 if the injury results in death
North CarolinaBodily Injury & Property Damage Liability25/50/15
North DakotaBodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist 25/50/25
OhioBodily Injury & Property Damage Liability 12.5/25/7.5
OklahomaBodily Injury & Property Damage Liability10/20/10
Oregon Bodily Injury & Property Damage Liability, Personal-Injury-Protection, Uninsured Motorist 25/50/10
PennsylvaniaBodily Injury & Property Damage Liability, Medical Payments15/30/5
Rhode IslandBodily Injury & Property Damage Liability, Uninsured Motorist25/50/25
South CarolinaBodily Injury & Property Damage Liability, Uninsured Motorist 15/30/10
South DakotaBodily Injury & Property Damage Liability, Uninsured Motorist 25/50/25
Tennessee Financial Responsibility Only 25/50/10
TexasBodily Injury & Property Damage Liability 20/40/15
UtahBodily Injury & Property Damage Liability, Personal-Injury-Protection 25/50/15
VermontBodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist25/50/10
VirginiaBodily Injury & Property Damage Liability, Uninsured Motorist25/50/20
WashingtonBodily Injury & Property Damage Liability25/50/10
West VirginiaBodily Injury & Property Damage Liability, Uninsured Motorist20/40/10
WisconsinFinancial Responsibility Only, Uninsured Motorist 25/50/10
WyomingBodily Injury & Property Damage Liability 25/50/20
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*The first two figures refer to bodily injury liability limits and the third figure refers to property damage liability.

**Low-cost policy limits for Los Angeles and San Francisco low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3; pilot program effective Jan. 1, 2004.

***In addition to the $5,000 minimum property damage coverage, insureds also must carry at least $10,000 per accident for damage other than to a vehicle and any property in and upon it.

†In addition, insureds also must carry at least $1,000 for medical payments.

††Basic policy (optional) limits are 10/10/5.
Source: Insurance Information Institute

Posted on 12/15/01