Auto Insurance Liability Limits and Requirements

Here you will find your states auto insurance minimum requirements.

If you want to cut to the chase, you can get your auto insurance quote here.

Liability auto insurance is often available with limits up to one million dollars.
If you think you might need higher liability coverage, consider purchasing more.

StateMinimum Auto Insurance RequiredMinimum Liability LimitsNo Fault
Alabamabodily injury and property damage liability20/40/10
Alaskabodily injury and property damage liability50/100/25
Arizonabodily injury and property damage liability15/30/10
Arkansasbodily injury and property damage liability25/50/25
Californiabodily injury and property damage liability15/30/5
Coloradobodily injury and property damage liability25/50/15
Connecticutbodily injury and property damage liability
uninsured motorist
20/40/10
Delawarebodily injury and property damage liability,
personal injury protection (pip)
15/30/10
Floridaproperty damage liability,
personal injury protection (pip)
10/20/10no fault
Georgiabodily injury and property damage liability25/50/25
Hawaiibodily injury and property damage liability,
personal injury protection (pip)
20/40/10no fault
Idahobodily injury and property damage liability25/50/15
Illinoisbodily injury and property damage liability,
uninsured motorist
20/40/15
Indianabodily injury and property damage liability25/50/10
Iowabodily injury and property damage liability20/40/15
Kansasbodily injury and property damage liability,
personal injury protection (pip)
25/50/10no fault
Kentuckybodily injury and property damage liability,
personal injury protection (pip)
25/50/10choice no fault
Louisianabodily injury and property damage liability10/20/10
Mainebodily injury and property damage liability,
uninsured motorist
50/100/25
Marylandbodily injury and property damage liability,
uninsured and underinsured motorist
20/40/15
Massachusettsbodily injury and property damage liability,
personal injury protection (pip),
uninsured motorist
20/40/5no fault
Michiganbodily injury and property damage liability,
personal injury protection (pip)
20/40/10no fault
Minnesotabodily injury and property damage liability,
personal injury protection (pip),
uninsured and underinsured motorist
30/60/10no fault
Mississippibodily injury and property damage liability10/20/5
Missouribodily injury and property damage liability,
uninsured motorist
25/50/10
Montanabodily injury and property damage liability25/50/10
Nebraskabodily injury and property damage liability,
uninsured and underinsured motorist
25/50/25
Nevadabodily injury and property damage liability15/30/10
New Hampshireproof of financial responsibility,
medical payments,
uninsured motorist
25/50/25
New Jerseybodily injury and property damage liability,
personal injury protection (pip),
uninsured motorist
15/30/5choice no fault
New Mexicobodily injury and property damage liability25/50/10
New Yorkbodily injury and property damage liability,
personal injury protection (pip),
uninsured motorist
25/50/10no fault
North Carolinabodily injury and property damage liability30/60/25
North Dakotabodily injury and property damage liability,
personal injury protection (pip),
uninsured and underinsured motorist
25/50/25no fault
Ohiobodily injury and property damage liability12.5/25/7.5
Oklahomabodily injury and property damage liability25/50/25
Oregonbodily injury and property damage liability,
personal injury protection (pip),
uninsured and underinsured motorist
25/50/10
Pennsylvaniabodily injury and property damage liability,
medical payments
15/30/5choice no fault
Rhode Islandbodily injury and property damage liability25/50/25
South Carolinabodily injury and property damage liability,
uninsured motorist
15/30/10
South Dakotabodily injury and property damage liability,
uninsured motorist
25/50/25
Tennesseeproof of financial responsibility25/50/10
Texasbodily injury and property damage liability20/40/15
Utahbodily injury and property damage liability,
personal injury protection (pip),
uninsured and underinsured motorist
25/50/15no fault
Vermontbodily injury and property damage liability,
uninsured motorist
25/50/10
Virginiabodily injury and property damage liability,
uninsured and underinsured motorist
25/50/20
Washingtonbodily injury and property damage liability25/50/10
Washington DCbodily injury and property damage liability,
uninsured motorist
25/50/10no fault
West Virginiabodily injury and property damage liability,
uninsured motorist
20/40/10
Wisconsinproof of financial responsibility,
uninsured motorist
25/50/10
Wyomingbodily injury and property damage liability25/50/20

Auto Insurance Explained

Bodily Injury Liability is coverage if you are at fault in an auto accident, this coverage pays for medical treatments, rehabilitation, or funeral costs, the other driver's passengers, passengers in your car, and pedestrians. It also pays the legal costs and settlements for losses from pain and suffering.

Property Damage Liability is damage caused by the insured to someone else's property, e.g. car, fence, or house are covered through property damage car insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident.

Below is an example of bodily injury and property damage liability limits and what the actual numbers stand for.
Note: This is only an example, you should check above for your states actual limits.

15/30/5 - These are numbers in the thousands, e.g. $15,000, $30,000 and $5,000

First number (15) - bodily injury liability maximum for one person injured in an accident.
Second number (30) - bodily injury liability maximum for all injuries in one accident.
Third number (5) - property damage liability maximum for one accident.

Personal Injury Protection or PIP provides coverage for medical expenses if the driver or another individual covered under the policy is injured in an automobile accident. It is often called no-fault coverage because it pays medical expenses no matter who has caused the accident or no matter who was at fault. PIP coverage pays hospitals, doctors, and other medical providers and or medical equipment for treatment of injuries from auto accidents.

Choice No-Fault Allows auto insurers the choice of remaining under the traditional "tort system" or choosing no-fault at a reduced premium. Currently Kentucky, New Jersey and Pennsylvania are choice no fault states. In these states, you may choose to be insured under no-fault plan, in which case youíre unable to sue an at fault driver and also canít be sued if youíre at fault. Or you can choose not to take out no-fault insurance, and be able to sue other drivers. If you decide to go with the no fault, then you may also be sued if you are at fault of an accident.

Uninsured/Underinsured Motorist Coverage covers the insured for property damage and bodily injury caused by another motorist whose coverage is insufficient to cover the damages one has suffered. This policy compensates the injured party for the difference between the injury suffered and the liability covered by the insurance of the driver at fault. Uninsured and or underinsured motorist coverage pays the insured and members of the insureds household for medical costs, rehabilitation, funeral costs, and losses from pain and suffering from an accident caused by a hit-and-run driver or by a driver who lacks enough insurance or has no insurance at all.

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Information and resources:
Auto Insurance Quotes
No Fault Auto Insurance
Auto Insurance ABC's
A Closer Look at Auto Insurance
Auto Insurance Definitions
Auto Insurance Discounts (definitions)
Auto Insurance Cost Variations
Steps to Lower Your Rate
Reasons for Cancellation
No Fault Insurance
Questions About Auto Insurance
Personal Protection Policy or PIP
Teenage Drivers
Minimum Liability Limits
Auto Insurance Tips
Cheap Auto Insurance
Free Insurance Quote
Buy Auto Insurance On-line

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