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Minimum Car Insurance Requirements by State (2018)

Most states have mandatory car insurance coverage requirements. The penalties for driving without auto insurance might include fines, a driver’s license suspension, and being forced to foot the bill if you are involved in a collision. On this page, we’ve outlined the minimum car insurance requirements in each state.

Key:
PP = Per Person
PA = Per Accident
BI = Bodily Injury
PD = Property Damage
MPC = Medical Payments Coverage

 

Alabama

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

Alaska

$50,000 Bodily Injury Liability PP
$100,000 Bodily Injury Liability PA
$25,000 PD Liability

Arizona

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability

Arkansas

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

California

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability

Colorado

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability

Connecticut

$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$20,000 Uninsured/Underinsured Motorist BI Coverage PP
$40,000 Uninsured/Underinsured Motorist BI Coverage PA

Delaware

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability

Florida

$10,000 PD Liability
$10,000 Personal Injury Protection

Georgia

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

Hawaii

$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$10,000 Personal Injury Protection

Idaho

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability

Illinois

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

Indiana

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability

Iowa

$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$15,000 PD Liability

Kansas

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
Personal Injury Protection: $900/month for lost income or disability, $4,500 PP for medical costs, $4,500 for rehabilitation, $2,000 for burial/cremation

Kentucky

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$10,000 Personal Injury Protection

Louisiana

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$25,000 PD Liability

Maine

$50,000 Bodily Injury Liability PP
$100,000 Bodily Injury Liability PA
$25,000 PD Liability
$50,000 Uninsured Motorist Coverage PP
$100,000 Uninsured Motorist Coverage PA
$2,000 MPC

Maryland

$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$15,000 PD Liability
$30,000 Uninsured/Underinsured Motorist BI Coverage PP
$60,000 Uninsured/Underinsured Motorist Coverage PA
$15,000 Uninsured/Underinsured Motorist PD Coverage

Massachusetts

$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$5,000 PD Liability
$20,000 Uninsured Motorist Coverage PP
$40,000 Uninsured Motorist Coverage PA
$8,000 Personal Injury Protection

Michigan

$20,000 Bodily Injury Liability PP
$40,000 Bodily Injury Liability PA
$10,000 PD Liability
$1 million property protection insurance, which covers damage your vehicles causes to property such as fences and buildings, as well as parked cars
Personal injury protection insurance, which covers a portion of lost income, healthcare expenses, and essential services no matter who is liable for the accident

Minnesota

$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist BI Coverage PA
$40,000 Personal Injury Protection

Mississippi

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

Missouri

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

Montana

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability

Nebraska

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

Nevada

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$10,000 PD Liability

New Hampshire

In New Hampshire, having car insurance is optional, but if you cause an accident and you are uninsured, you may have pay for any resulting damages out of your own pocket. If you decide to purchase insurance, the minimum coverage limits are:

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist BI Coverage PA
$25,000 Uninsured/Underinsured Motorist PD Coverage
$1,000 MPC

New Jersey

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability
$15,000 MPC

New Mexico

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability

New York

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$50,000 Liability for Death PP
$100,000 Liability for Death PA
$50,000 Personal Injury Protection
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

North Carolina

$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$25,000 PD Liability
$30,000 Uninsured Motorist Coverage PP
$60,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage

North Dakota

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$30,000 Uninsured Motorist PD Coverage

Ohio

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

Oklahoma

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

Oregon

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$15,000 Personal Injury Protection

Pennsylvania

$15,000 Bodily Injury Liability PP
$30,000 Bodily Injury Liability PA
$5,000 PD Liability
$5,000 MPC

Rhode Island

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability

South Carolina

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage

South Dakota

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

Tennessee

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$15,000 PD Liability

Texas

$30,000 Bodily Injury Liability PP
$60,000 Bodily Injury Liability PA
$25,000 PD Liability

Utah

$25,000 Bodily Injury Liability PP
$65,000 Bodily Injury Liability PA
$15,000 PD Liability
$3,000 Personal Injury Protection

Vermont

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$50,000 Uninsured Motorist Coverage PP
$100,000 Uninsured Motorist Coverage PA
$10,000 Uninsured Motorist PD Coverage

Virginia

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist Coverage PA
$20,000 Uninsured/Underinsured Motorist PD Coverage

Washington

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability

Washington, D.C.

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured/Underinsured Motorist BI Coverage PP
$50,000 Uninsured/Underinsured Motorist Coverage PA
$5,000 Uninsured/Underinsured Motorist PD Coverage

West Virginia

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$25,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA
$25,000 Uninsured Motorist PD Coverage

Wisconsin

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$10,000 PD Liability
$25,000 Uninsured Motorist Coverage PP
$50,000 Uninsured Motorist Coverage PA

Wyoming

$25,000 Bodily Injury Liability PP
$50,000 Bodily Injury Liability PA
$20,000 PD Liability

 

Minimum Car Insurance Requirements by State

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