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Categories
Resource Index
About Insurance
Accidents &
Claims
Articles
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All 50 states have different requirements when it comes to auto insurance. In
some states, motorists can't register a car without showing proof that they have
liability insurance, while other states use an honor system that doesn't ask for
proof of insurance until drivers have accidents or tickets on their records.
And, there are five states that do not require motorists to carry liability
coverage, but those that do demand that drivers purchase at least the state's
minimum.
How to read the table
Example:
Alabama Liability = 20/40/10
20 = bodily injury liability maximum for one person injured in an accident.
40 = bodily injury liability maximum for all injuries in one accident.
10 = property damage liability maximum for one accident.
PIP is Personal Injury Protection coverage. If you or another covered individual are injured in an
accident, PIP plans generally help pay for medical costs, lost wages, essential
services, and/or other expenses.
A no-fault
state is one where your auto policy must pay
medical bills for injuries suffered in an auto accident regardless of who caused
the accident. The laws were enacted in an attempt to reduce auto-injury fraud
and keep insurance cost down.
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|
State |
Liability required Liability minimums (in
thousands of dollars) |
PIP required |
No-fault state |
Uninsured motorist coverage required |
|
Alabama |
Yes, 20/40/10 |
No |
No |
Yes |
|
Alaska |
Yes, 50/100/25 |
No |
No |
Yes |
|
Arizona |
Yes, 15/30/10 |
No |
No |
No |
|
Arkansas |
Yes, 25/50/25 |
No |
No |
Yes |
|
California1 |
Yes, 15/30/5 |
No |
No |
Yes |
|
Colorado |
Yes, 25/50/15 |
No |
No |
Yes |
|
Connecticut |
Yes, 20/40/10 |
No |
No |
Yes |
|
Delaware |
Yes, 15/30/10 |
Yes |
No |
Yes |
|
Florida2 |
Yes, 10/20/10 |
Yes |
Yes |
Yes |
|
Georgia |
Yes, 25/50/25 |
No |
No |
Yes |
|
Hawaii |
Yes, 20/40/10 |
Yes |
Yes |
Yes |
|
Idaho |
Yes, 25/50/15 |
No |
No |
No |
|
Illinois |
Yes, 20/40/15 |
No |
No |
Yes |
|
Indiana |
Yes, 25/50/10 |
No |
No |
Yes |
|
Iowa |
Yes, 20/40/15 |
No |
No |
Yes |
|
Kansas |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
|
Kentucky |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
|
Louisiana |
Yes, 10/20/10 |
No |
No |
Yes |
|
Maine |
Yes, 50/100/25 |
No |
No |
Yes |
|
Maryland |
Yes, 20/40/15 |
Yes |
No |
Yes |
|
Massachusetts |
Yes, 20/40/5 |
Yes |
Yes |
Yes |
|
Michigan |
Yes, 20/40/10 |
Yes |
Yes |
No |
|
Minnesota |
Yes, 30/60/10 |
Yes |
Yes |
Yes |
|
Mississippi |
Yes, 10/20/5 |
No |
No |
Yes |
|
Missouri |
Yes, 25/50/10 |
No |
No |
Yes |
|
Montana |
Yes, 25/50/10 |
No |
No |
Yes |
|
Nebraska |
Yes, 25/50/25 |
No |
No |
No |
|
Nevada |
Yes, 15/30/10 |
No |
No |
Yes |
|
New Hampshire |
No, 25/50/25 |
No |
No |
Yes |
|
New Jersey3 |
Yes, 15/30/5 |
Yes |
Yes |
Yes |
|
New Mexico |
Yes, 25/50/10 |
No |
No |
Yes |
|
New York4 |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
|
North Carolina |
Yes, 30/60/25 |
No |
No |
Yes |
|
North Dakota |
Yes, 25/50/25 |
Yes |
Yes |
Yes |
|
Ohio |
Yes, 12.5/25/7.5 |
No |
No |
Yes |
|
Oklahoma |
Yes, 10/20/10 |
No |
No |
Yes |
|
Oregon |
Yes, 25/50/10 |
Yes |
No |
Yes |
|
Pennsylvania |
Yes, 15/30/5 |
No |
Yes |
Yes |
|
Rhode Island |
Yes, 25/50/25 |
No |
No |
Yes |
|
South Carolina |
No, 15/30/10 |
No |
No |
Yes |
|
South Dakota |
Yes, 25/50/25 |
No |
No |
Yes |
|
Tennessee |
Yes, 25/50/10 |
No |
No |
Yes |
|
Texas |
Yes, 20/40/15 |
No |
No |
Yes |
|
Utah |
Yes, 25/50/15 |
Yes |
Yes |
Yes |
|
Vermont |
Yes, 25/50/10 |
No |
No |
Yes |
|
Virginia |
No, 25/50/20 |
No |
No |
Yes |
|
Washington |
Yes, 25/50/10 |
No |
No |
Yes |
|
Washington D.C. |
Yes, 25/50/10 |
No |
Yes |
Yes |
|
West Virginia |
Yes, 20/40/10 |
No |
No |
Yes |
|
Wisconsin |
No, 25/50/10 |
No |
No |
Yes |
|
Wyoming |
Yes, 25/50/20 |
No |
No |
Yes |
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1 Low-cost policy minimums for Los
Angeles and San Francisco for eligible low-income drivers in the California
Automobile Assigned Risk Plan are 10/20/3, effective July 1, 2000, to Jan. 1,
2004.
2Only property-damage liability is compulsory.
3Drivers can choose a standard or basic policy. Basic policy limits
are 10/10/5; only property-damage liability is mandatory.
4Liability rises to 50/100 if injury results in death. |
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