How Much Car Insurance is Required in Your State?

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We all understand the importance of car insurance. Without it, the financial consequences of an accident can be devastating. In fact, car insurance is so important that most states require you to hold auto insurance in order to operate a vehicle.

If you’re buying a new car, adding a driver to the family, or moving to a new state, now is the time to revisit your automobile insurance policy. Ensure you hold the required amount of car insurance, at a minimum, to protect you and your family should an accident happen.

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State by State Car Insurance Requirements

Car insurance is a conglomeration of many different policies. Every state has its own requirements for the policies you need to hold. Some require you to carry liability insurance, others add on personal injury protection, and underinsured/uninsured motorist coverage.

  • Liability insurance protects the people in the other car when you are at fault.
  • Personal injury protection covers you and your passengers.
  • Underinsured/uninsured motorist coverage protects you if the person at fault for the accident does not have adequate coverage.

To help you uncover the minimum requirements for your auto insurance, we’ve outlined the requirements of each state below.

As you look at the minimum car insurance requirements for your state, take note of how to interpret the numbers.

Liability Insurance Requirements by State

Liability insurance requirements are listed as three numbers XX/XX/XX. These numbers are broken down as the amount per thousand of insurance needed per person, per accident, and for property damage. So for example, Alabama’s requirements are 25/50/25. The state requires $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more persons and $25,000 for damage or destruction of property of others.

The same basic formula is followed for uninsured/underinsured motorist coverage. This coverage is typically reported as two numbers, amount per person/per accident. For those states requiring insurance for property damage, that number will be listed as the third number.

State Required Insurance
Alabama Liability Insurance: 25/50/25
Alaska Liability Insurance: 50/100/25
Arizona Liability Insurance: 15/30/10

OR

$40,000 bond to pay for potential damages

Arkansas Liability Insurance: 25/50/25
California Liability Insurance: 15/30/5
Colorado Liability Insurance: 25/50/15
Connecticut Liability Insurance: 25/50/25

Uninsured/underinsured: 25/50

Delaware Liability Insurance: 25/50/10
Florida Personal property liability: $10,000

Personal injury protection: $10,000

Georgia Liability Insurance: 25/50/25
Hawaii Liability Insurance: 20/40/10

Personal Injury Protection: $10,000

Idaho Liability Insurance: 25/50/15
Illinois Liability Insurance: 25/50/20

Uninsured Motorist Coverage:

25/50

Indiana Liability Insurance: 25/50/25
Iowa Liability Insurance: 20/40/15
Kansas Liability Insurance: 25/50/25

Personal Injury Protection:

  • $4,500/person for medical expenses
  • $900/month for one year for disability/loss of income
  • $25/day for in-home services
  • $2,000 for funeral, burial or cremation expense
  • $4,500 for rehabilitation expense

Survivor Benefits:

  • Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year

Uninsured/Underinsured Motorist: 25/50

Kentucky Liability Insurance: 25/50/25

Personal Injury Protection: $10,000

Louisiana Liability Insurance: 15/30/25
Maine Liability Insurance: 50/100/25

Medical Expenses Coverage: $2,000

Uninsured/Underinsured Motorist: 50/100

Maryland Liability Insurance: 30/60/15

Personal Injury Protection: up to $2,500 per person

Uninsured/Underinsured Motorist Coverage:

30/60/15

Massachusetts Liability Insurance: 20/40/5

Personal Injury Protection: $8,000 per person

Uninsured Motorist Coverage: 20/40

Michigan Liability Insurance: 20/40/10

No fault insurance

Property protection insurance of $1 million

Minnesota Liability Insurance: 30/60/10

Personal Injury Protection: $40,000 per person

Uninsured/Underinsured Motorist Coverage:

25/50

Mississippi Liability Insurance: 25/50/25
Missouri Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50

Montana Liability Insurance: 25/50/20
Nebraska Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50

Nevada Liability Insurance: 25/50/20
New Hampshire Not required, but if you are at-fault you’ll be responsible for bodily injury and property damage.

Recommended minimums:

Liability Insurance:25/50/25

Medical Payments Coverage: $1,000

Uninsured/Underinsured Motorist Coverage:

25/50/25

New Jersey Liability Insurance: 15/30/5

Personal Injury Protection: $15,000

New Mexico Liability Insurance: 25/50/10
New York Liability Insurance: 25/50/10

No-fault Coverage: $50,000

Uninsured Motorist Coverage: 25/50

North Carolina Liability Insurance: 30/60/25

Uninsured/Underinsured Motorist Coverage: 30/60/25

North Dakota Liability Insurance: 25/50/25

Uninsured/Underinsured Motorist Coverage: 25/50

Basic No-fault Insurance: $30,000 per person

Ohio Liability Insurance: 25/50/25
Oklahoma Liability Insurance: 25/50/25
Oregon Liability Insurance: 25/50/20

Personal Injury Protection: $15,000 per person

Uninsured Motorist Coverage: 25/50

Pennsylvania Liability Insurance: 15/30/5

Medical Benefits: $5,000

Rhode Island Liability Insurance: 25/50/25
South Carolina Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50/25

South Dakota Liability Insurance: 25/50/25

Uninsured/Underinsured Motorist Coverage: 25/50

Tennessee Liability Insurance: 25/50/15
Texas Liability Insurance: 30/60/25
Utah Liability Insurance: 25/65/15

Personal Injury Protection: $3,000 per person

Vermont Liability Insurance: 25/50/10

Uninsured/Underinsured Motorist Coverage: 50/100/10

Virginia Liability Insurance: 25/50/20

OR

Uninsured Motorist Fee: $500

Washington Liability Insurance: 25/50/10
Washington DC Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50/5

West Virginia Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50/25

Wisconsin Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50

Wyoming Liability Insurance: 25/50/20

The mandatory car insurance minimums provided in the chart above were accurate at the time this article was written. Check with your SelectQuote agent to confirm you still meet the minimum requirements.

With car insurance minimums going up in recent years, now is the time to revisit your auto policy. Whether you’ve had a change in your family, or your policy is up for renewal, talk to your agent to determine your insurance requirements. Your agent can also help you decide if the minimum insurance required is enough to protect you and your family in the case of an accident. You’ll often discover additional coverage will provide added peace-of-mind.

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Shopping for car insurance? Learn about the common types of coverage, including auto liability, comprehensive, collision and more.

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No one wants to think about getting into a car accident, but it’s a risk drivers face every day on the roads. The various types of car insurance coverage are available to help protect you, your passengers and your vehicle in the event of a car accident. Here are some common car insurance coverage options.

Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

  • Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
  • Property damage liability may help pay for damage you cause to another person’s property while driving.

Uninsured and Underinsured Motorist Coverage

If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help.

Uninsured and underinsured motorist coverage is required in some states and optional in other states.

Comprehensive Coverage

Comprehensive may help cover damage to your car from things like theft, fire, natural disasters or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s market value). This coverage has a deductible, which is the amount you’ll pay out of pocket before your insurer reimburses you for a covered claim.

Comprehensive is typically an optional coverage — but your lender may require it if you’re leasing or paying off your vehicle.

Collision Coverage

If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help. This coverage may help pay to repair or replace your car (up to its market value) after you pay your deductible toward a covered claim.

Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender.

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Coverage may help pay for hospital visits, surgery, X-rays and more.

Medical payments coverage is required in some states and optional in others.

Personal Injury Protection

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost income.

Personal injury protection is required in some states and optional in other states where it’s available.

The typical components of an auto insurance policy are available to help protect you and your vehicle. Need help understanding which coverages are required and optional in your state? Talk to a local agent, who can help you choose the options that are right for you.

https://www.allstate.com/tr/car-insurance/components-auto-insurance.aspx