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Minimum liability car insurance requirements by state

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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. In many cases, raising your liability limits is strongly encouraged. 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

Alabama

25/50/25

Alaska

50/100/25

Arizona

15/30/10

Arkansas

25/50/25

California

15/30/5

Colorado

25/50/15

Connecticut

20/40/10

Delaware

15/30/10

District of Columbia

25/50/10

Florida

10/20/10

Georgia

25/50/25

Hawaii

20/40/10

Idaho

25/50/15

Illinois

25/50/20

Indiana

25/50/10

Iowa

20/40/15

Kansas

25/50/10

Kentucky

25/50/10

Louisiana

15/30/25

Maine

50/100/25

Maryland

30/60/15

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

Nevada

15/30/10

New Hampshire

25/50/25

New Jersey

15/30/5

New Mexico

25/50/10

New York

25/50/10

North Carolina

30/60/25

North Dakota

25/50/25

Ohio

25/50/25

Oklahoma

25/50/25

Oregon

25/50/20

Pennsylvania

15/30/5

Rhode Island

25/50/25

South Carolina

25/50/25

South Dakota

25/50/25

Tennessee

25/50/15

Texas

30/60/25

Utah

25/65/15

Vermont

25/50/10

Virginia

25/50/20

Washington

25/50/10

West Virginia

25/50/25

Wisconsin

25/50/10

Wyoming

25/50/20

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


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