Car Insurance State Minimums | SaveAutoInsurance.com

Insurance Minimums by State

Find your state’s minimum requirements on the table below:

State	Minimum Requirements
Alabama	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Alaska	Bodily injury liability: $50,000 per person, $100,000 per accident Property damage liability: $25,000 per accident
Arizona	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $15,000 per accident
Arkansas	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
California	Bodily injury liability: $15,000 per person, $30,000 per accident Property damage liability: $5,000 per accident
Colorado	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $15,000 per accident
Connecticut	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
Delaware	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident Personal injury protection: $15,000 per person, $30,000 per accident
Florida	Property damage liability: $10,000 per accident Personal injury protection: $10,000
Georgia	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Hawaii	Bodily injury liability: $20,000 per person, $40,000 per accident Property damage liability: $10,000 per accident Personal injury protection: $10,000
Idaho	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $15,000 per accident
Illinois	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $20,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
Indiana	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Iowa	Bodily injury liability: $20,000 per person, $40,000 per accident Property damage liability: $15,000 per accident
Kansas	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident Personal injury protection: $4,500 for medical expenses per person, $900 for disability or loss of income per month, $4,500 for rehabilitation services, $25 for in-home services per day, $2,000 for funeral costs Survivor benefits: $900 per month for up to a year for disability or loss of income, $25 for in-home services per day
Kentucky	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Louisiana	Bodily injury liability: $15,000 per person, $30,000 per accident Property damage liability: $25,000 per accident
Maine	Bodily injury liability: $50,000 per person, $100,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $50,000 per person, $100,000 per accident MedPay coverage: $2,000
Maryland	Bodily injury liability: $30,000 per person, $60,000 per accident Property damage liability: $15,000 per accident Uninsured/underinsured motorist coverage: $30,000 per person, $60,000 per accident Uninsured/underinsured property damage coverage: $15,000 per accident
Massachusetts	Bodily injury liability: $20,000 per person, $40,000 per accident Property damage liability: $5,000 per accident Uninsured motorist coverage: $20,000 per person, $40,000 per accident Personal injury protection: $8,000
Michigan	Bodily injury liability: $50,000 per person, $100,000 per accident Property damage liability: $10,000 per accident Property protection insurance: $1 million per accident within Michigan Personal injury protection: opt-out, $50,000, $250,000, $500,000, unlimited
Minnesota	Bodily injury liability: $30,000 per person, $60,000 per accident Property damage liability: $10,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident Personal injury protection: $40,000
Mississippi	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Missouri	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident
Montana	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $20,000 per accident
Nebraska	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
Nevada	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $20,000 per accident
New Hampshire	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident Uninsured/underinsured motorist property damage coverage: $25,000 MedPay coverage: $1,000 Car insurance is optional in New Hampshire. For drivers that opt to purchase insurance, these are the minimum requirements.
New Jersey	Property damage liability: $5,000 per accident Personal injury protection: $15,000
New Mexico	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident
New York	Bodily injury liability: $25,000 per person, $50,000 per accident Liability for death: $50,000 per person, $100,000 per accident Property damage liability: $10,000 per accident Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident Personal injury protection: $50,000
North Carolina	Bodily injury liability: $30,000 per person, $60,000 per accident Property damage liability: $25,000 per accident Uninsured motorist coverage: $30,000 per person, $60,000 per accident Uninsured motorist property damage coverage: $25,000 per accident
North Dakota	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident Personal injury protection: $30,000
Ohio	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Oklahoma	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Oregon	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $20,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident Personal injury protection: $15,000
Pennsylvania	Bodily injury liability: $15,000 per person, $30,000 per accident Property damage liability: $5,000 per accident Medical benefits: $5,000
Rhode Island	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
South Carolina	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident Uninsured motorist property damage coverage: $25,000
South Dakota	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
Tennessee	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident
Texas	Bodily injury liability: $30,000 per person, $60,000 per accident Property damage liability: $25,000 per accident
Utah	Bodily injury liability: $25,000 per person, $65,000 per accident Property damage liability: $15,000 per accident Personal injury protection: $3,000
Vermont	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident Uninsured/underinsured motorist coverage: $50,000 per person, $100,000 per accident Uninsured/underinsured motorist property damage coverage: $10,000 per accident
Virginia	Bodily injury liability: $50,000 per person, $100,000 per accident Property damage liability: $25,000 per accident Uninsured/underinsured motorist coverage: $30,000 per person, $60,000 per accident Uninsured/underinsured motorist property damage coverage: $20,000 per accident
Washington	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident
Washington D.C.	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident Uninsured motorist property damage coverage: $5,000 per accident
West Virginia	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $25,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident Uninsured motorist property damage coverage: $25,000
Wisconsin	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $10,000 per accident Uninsured motorist coverage: $25,000 per person, $50,000 per accident
Wyoming	Bodily injury liability: $25,000 per person, $50,000 per accident Property damage liability: $20,000 per accident

Do I Need More than State Minimum?

Legally? No. For your financial well-being? Probably.

The main benefit of only purchasing your state’s minimum coverage is of course saving money. This will almost certainly be the cheapest option when it comes to car insurance. If you get into an accident, however, it’s likely that the state minimum will not be enough to cover the damages, in which case you will be responsible for footing the rest of the bill.

Given that an accident can very quickly cost well into the thousands, this could easily be financially devastating to the average person. This is why we recommend that most drivers purchase more than just the minimum -- it's better to be safe than sorry. How much you should purchase will depend on your vehicle and driving habits and can be best discussed with a carrier directly. A common guideline is that all drivers should have at least 100/300/50 -- 100K per person for bodily liability, 300K per accident, and 50K for property liability. This is always dependent on your personal needs.

Whether you need state minimum coverage or you’re interested in full coverage, find the lowest rates available by comparing quotes with us today. Whatever your insurance goals are, savings are well within reach.

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Insurance Minimums by State

Do I Need More than State Minimum?