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Minimum liability car insurance requirements by state


To drive legally in nearly every state you must carry liability car insurance. Liability coverage kicks in if you're at fault for an accident 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 own injuries or damage to your own 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).

Minimum liability car insurance requirements by state

State Minimum car insurance limits
Alabama Liability: 25/50/25
Alaska Liability: 50/100/25
Arizona Liability: 15/30/10
Arkansas Liability: 25/50/25
California Liability: 15/30/5
Colorado Liability: 25/50/15
Connecticut Liability: 20/40/10
UM/UIM BI: 20/40
Delaware Liability: 15/30/10
PIP: 15/30
District of Columbia  Liability: 25/50/10
UM BI: 25/50
UMPD: $5,000
Florida

Liability: 10/20/10
PIP: $10,000
BI liability not required by Florida but many carriers require 10/20

Georgia  Liability: 25/50/25
Hawaii  Liability: 20/40/10
PIP or PPO: $10,000
Idaho Liability: 25/50/15
Illinois  Liability: 25/50/20
UM BI: 25/50
Indiana Liability: 25/50/10
Iowa Liability: 20/40/15
Kansas   Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $4,500 medical/$900 work loss
Kentucky Liability: 25/50/10
PIP: $10,000
Louisiana Liability: 15/30/25
Maine Liability: 50/100/25
UM/UIM BI: 50/100
Medical payments: $2,000
Maryland  Liability: 30/60/15
UM/UIM BI: 30/60
UMPD: $15,000
PIP $2,500
Massachusetts  Liability: 20/40/5
UM/UIM BI: 20/40
PIP: $8,000
Michigan Liability: 20/40/10
PIP: Medical and work loss
PPI: $1,000,000
Minnesota  Liability: 30/60/10
UM/UIM BI: 25/50
PIP: $40,000
Mississippi Liability: 25/50/25
Missouri  Liability: 25/50/10
UM BI: 25/50
Montana Liability: 25/50/20
Nebraska  Liability: 25/50/25
UM/UIM BI: 25/50
Nevada Liability: 15/30/10
New Hampshire* Liability: 25/50/25
UM/UIM BI: 25/50
Medical payments: $1,000
*Insurance not mandatory in New Hampshire
New Jersey  Liability: 15/30/5 (standard policy)
UM/UIM BI: 15/30
UMPD: $5,000
PIP: $15,000
New Mexico  Liability: 25/50/10
New York Liability: 25/50/10
UM BI: 25/50
PIP: $50,000
North Carolina  Liability: 30/60/25
UM BI: 30/60
UMPD: $25,000
North Dakota  Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $30,000
Ohio Liability: 25/50/25
Oklahoma Liability: 25/50/25
Oregon  Liability: 25/50/20
UM BI: 25/50
PIP: $15,000
Pennsylania Liability: 15/30/5
First party benefits (PIP): $5,000
Rhode Island Liability: 25/50/25
South Carolina Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
South Dakota  Liability: 25/50/25
UM/UIM BI: 25/50
Tennessee Liability: 25/50/15
Texas  Liability: 30/60/25
Utah  Liability: 25/65/15
PIP: $3,000
Vermont  Liability: 25/50/10
UM/UIM BI: 50/100
UMPD: $10,000
Virginia  Liability: 25/50/20
UM/UIM BI: 25/50
UMPD: $20,000
Washington Liability: 25/50/10
West Virginia Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
Wisconsin Liability: 25/50/10
UM BI: 25/50
Wyoming Liability: 25/50/20

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

Key to acronyms:

  • UM: Uninsured motorist coverage
  • UIM: Underinsured motorist coverage
  • UM BI: Uninsured motorist bodily injury coverage
  • UMPD: Uninsured motorist property damage coverage
  • PIP: Personal injury protection
  • PPI: Property protection insurance (applies only to Michigan)
  • BI liability: Bodily injury liability

How much does minimum liability car insurance cost?

Below you'll see average rates by state for minimum liability levels of coverage. Enter your state in the search field in the chart below to find out what you can expect to pay. Even with bare-bones coverage, you can still save on car insurance by comparing rates. The difference between the highest and lowest rate fielded from major insurers can vary by hundreds --sometimes thousands -- of dollars.

StateAverage annual rateHighest rateLowest rate
Alaska $318 $699 $188
Alabama $419 $718 $252
Arkansas $397 $677 $211
Arizona $496 $893 $249
California $491 $1,364 $133
Colorado $506 $992 $228
Connecticut $761 $1,520 $382
DC $745 $953 $344
Delaware $805 $1,251 $440
Florida $884 $5,872 $296
Georgia $532 $1,275 $204
Hawaii $555 $862 $230
Iowa $294 $490 $178
Idaho $319 $572 $194
Illinois $383 $1,009 $154
Indiana $400 $834 $259
Kansas $397 $832 $182
Kentucky $745 $1,415 $242
Louisiana $705 $1,359 $371
Massachusetts $539 $1,598 $199
Maryland $710 $1,585 $394
Maine $359 $543 $187
Michigan $2,012 $18,841 $425
Minnesota $579 $1,502 $306
Missouri $409 $961 $236
Mississippi $398 $737 $189
Montana $323 $628 $151
North Carolina $347 $631 $148
North Dakota $363 $705 $255
Nebraska $329 $694 $185
New Hampshire $485 $1,176 $208
New Jersey $677 $1,367 $292
New Mexico $424 $800 $244
Nevada $623 $1,288 $262
New York $812 $4,682 $242
Ohio $383 $857 $178
Oklahoma $444 $859 $231
Oregon $690 $1,268 $330
Pennsylvania $480 $1,838 $194
Rhode Island $751 $1,820 $332
South Carolina $484 $739 $293
South Dakota $267 $445 $154
Tennessee $404 $912 $194
Texas $465 $1,042 $243
Utah $531 $896 $287
Virginia $372 $750 $218
Vermont $337 $471 $157
Washington $466 $959 $227
Wisconsin $373 $1,067 $181
West Virginia $493 $780 $251
Wyoming $339 $581 $167

* Methodology:

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) for each state.

Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.


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1 Responses to "Minimum liability car insurance requirements by state"
  1. Maureen

    Why do I need to pay for PIP? I'm 69 years old, I have NO dependents; I'm retired. I have 2 life insurance policies, health insurance, etc. The cost of PIP is very expensive for me on a limited budget.

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