Many people who are injured in a motor vehicle collision often wonder, āWill I be compensated for all my injuries, and the associated pain and suffering?ā 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 āpolicy limitsā 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. | ||
State | Insurance Required | Minimum Liability Limits |
Alabama | BI & PD Liab | 25/50/25 |
Alaska | BI & PD Liab | 50/100/25 |
Arizona | BI & PD Liab | 15/30/10 |
Arkansas | BI & PD Liab, PIP | 25/50/25 |
California | BI & PD Liab | 15/30/51 |
Colorado | BI & PD Liab | 25/50/15 |
Connecticut | BI & PD Liab, UM, UIM | 20/40/10 |
Delaware | BI & PD Liab, PIP | 15/30/10 |
District of Columbia | BI & PD Liab, UM | 25/50/10 |
Florida | PD Liab, PIP | 10/20/102 |
Georgia | BI & PD Liab | 25/50/25 |
Hawaii | BI & PD Liab, PIP | 20/40/10 |
Idaho | BI & PD Liab | 25/50/15 |
Illinois | BI & PD Liab, UM, UIM | 20/40/15 |
Indiana | BI & PD Liab, UM, UIM | 25/50/10 |
Iowa | BI & PD Liab | 20/40/15 |
Kansas | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
Kentucky | BI & PD Liab, PIP | 25/50/10 |
Louisiana | BI & PD Liab | 15/30/25 |
Maine | BI & PD Liab, UM, UIM | 50/100/253 |
Maryland | BI & PD Liab, PIP4, UM, UIM | 30/60/15 |
Massachusetts | BI & PD Liab, PIP, UM | 20/40/5 |
Michigan | BI & PD Liab, PIP, PPI | 20/40/10 |
Minnesota | BI & PD Liab, PIP, UM,UIM | 30/60/10 |
Mississippi | BI & PD Liab | 25/50/25 |
Missouri | BI & PD Liab, UM | 25/50/10 |
Montana | BI & PD Liab | 25/50/10 |
Nebraska | BI & PD Liab | 25/50/25 |
Nevada | BI & PD Liab | 15/30/10 |
New Hampshire | FR only7, UM | 25/50/253 |
New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/55 |
New Mexico | BI & PD Liab | 25/50/10 |
New York | BI & PD Liab, PIP, UM | 25/50/106 |
North Carolina | BI & PD Liab, UM, UIM | 30/60/25 |
North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
Ohio | BI & PD Liab | 12.5/25/7.5 |
Oklahoma | BI & PD Liab | 25/50/25 |
Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
Pennsylvania | BI & PD Liab, PIP | 15/30/5 |
Rhode Island | BI & PD Liab, UM8 | 25/50/257 |
South Carolina | BI & PD Liab, UM | 25/50/25 |
South Dakota | BI & PD Liab, UM | 25/50/25 |
Tennessee | BI & PD Liab | 25/50/152 |
Texas | BI & PD Liab | 30/60/25** |
Utah | BI & PD Liab, PIP | 25/65/152 |
Vermont | BI & PD Liab, UM, UIM | 25/50/10 |
Virginia | BI & PD Liab, UM, UIM | 25/50/20 |
Washington | BI & PD Liab | 25/50/10 |
West Virginia | BI & PD Liab, UM | 20/40/10 |
Wisconsin | BI & PD Liab, UM | 25/50/10 |
Wyoming | BI & PD Liab | 25/50/20 |