dcsimg
Call Us Toll Free: 1-855-430-7753

Minimum liability car insurance requirements by state

By

To drive legally in nearly every state you must carry liability car insurance. Liability coverage kicks in if you're at fault for an Woman reviewing policyaccident and you hurt someone or damage someone's property. It has two parts:

  • bodily injury liability (BI) – which pays for injuries to others
  • property damage liability (PD)  -- which pays for damage to someone else’s car or property

Each state requires you to have a minimum level of liability coverage, though you can buy more to ensure you’re fully protected if you cause an accident. Liability insurance is commonly shown in the following format: 20/40/10. The first two numbers refer to bodily injury liability limits and the third number to property damage liability. In this example, 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage.

Liability insurance doesn't cover your injuries or damage to your property.

In some states, other coverages are required in addition to liability. These may include personal injury protection (PIP), uninsured motorist coverage (UM) and underinsured motorist coverage (UIM).

Here are minimum liability insurance requirements by state, as of January 2016:

State

Minimum liability limits

AL

25/50/25

AK

50/100/25

AZ

15/30/10

AR

25/50/25

CA

15/30/5

CO

25/50/15

CT

20/40/10

DE

15/30/10

DC

25/50/10

FL

10/20/10

GA

25/50/25

HI

20/40/10

ID

25/50/15

IL

25/50/20

IN

25/50/10

IA

20/40/15

KS

25/50/10

KY

25/50/10

LA

15/30/25

ME

50/100/25

MD

30/60/15

MA

20/40/5

MI

20/40/10

MN

30/60/10

MS

25/50/25

MO

25/50/10

MT

25/50/10

NE

25/50/25

NV

15/30/10

NH

25/50/25

NJ

15/30/5

NM

25/50/10

NY

25/50/10

NC

30/60/25

ND

25/50/25

OH

25/50/25

OK

25/50/25

OR

25/50/20

PA

15/30/5

RI

25/50/25

SC

25/50/25

SD

25/50/25

TN

25/50/15

TX

30/60/25

UT

25/65/15

VT

25/50/10

VA

25/50/20

WA

25/50/10

WV

25/50/25

WI

25/50/10

WY

25/50/20

Source: Property Casualty Insurers Association of America and Insurance Information Institute; state departments of insurance and motor vehicles.


Comments

Tell us your thoughts

Leave a Comment
 
 
 
0 Responses to "Minimum liability car insurance requirements by state"
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.