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Minimum Car Insurance Requirements

Many people who are injured in a motor vehicle collision often wonder, “Will I be compensated for all my injuries, and the associated pain and suffering?” The quick answer is, it depends. The most important factor in determining whether or not an injured party receives a fair amount of compensation for their injuries, pain and suffering is the limits of the insurance policy that covers the at-fault driver. The “policy limits” of an insurance policy is the maximum amount that can be paid to a claimant for their claim. These limits vary from state to state.

Please see the following list, courtesy of Shamit Choksey of www.cars.com:

Minimum Car Insurance Requirements by State

This information was verified with each state’s insurance commission. In some cases, the limits and requirements have recently changed. Forthcoming changes have been denoted with asterisks.
StateInsurance RequiredMinimum Liability Limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/51
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM20/40/10
DelawareBI & PD Liab, PIP15/30/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/102
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM20/40/15
IndianaBI & PD Liab, UM, UIM25/50/10
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP, UM, UIM25/50/10
KentuckyBI & PD Liab, PIP25/50/10
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM50/100/253
MarylandBI & PD Liab, PIP4, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP, UM20/40/5
MichiganBI & PD Liab, PIP, PPI20/40/10
MinnesotaBI & PD Liab, PIP, UM,UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/10
MontanaBI & PD Liab25/50/10
NebraskaBI & PD Liab25/50/25
NevadaBI & PD Liab15/30/10
New HampshireFR only7, UM25/50/253
New JerseyBI & PD Liab, PIP, UM, UIM15/30/55
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM25/50/106
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab12.5/25/7.5
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab, UM825/50/257
South CarolinaBI & PD Liab, UM25/50/25
South DakotaBI & PD Liab, UM25/50/25
TennesseeBI & PD Liab25/50/152
TexasBI & PD Liab30/60/25**
UtahBI & PD Liab, PIP25/65/152
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM20/40/10
WisconsinBI & PD Liab, UM25/50/10
WyomingBI & PD Liab25/50/20


About the Author

With over 100 years of combined experience among the legal team of Herrman & Herrman, P.L.L.C., our Texas personal attorneys have successfully resolved over 20,000 cases. When representing injured Texas residents, we fight for justice against wrongdoing and aggressively pursue the best resolution to complex personal injury claims. Start down the road to recovery by contacting us for a free initial consultation and case evaluation.