These Are the Car Insurance Minimums for Every State

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Learn what coverages you need to stay street legal

One of the most googled questions about car insurance is “how much car insurance do I need in my state?” To make things easy for you, we’ve compiled a list of all the minimums and special requirements, state by state.

Please note that these are the legally required minimum liability limits, which provide coverage for bodily injury and property damage to others. Liability does not provide any coverage to you, your car, or your passengers, which is why we always recommend additional coverage.

If you have questions about what coverages you need, we’re always here to help you pick out the right policy. Just send us an email at team@itscovered.com or call us at 303-302-9927.

Alabama

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Alaska

  • $50,000 bodily injury liability per person

  • $100,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Arizona

Arizona has special legal requirements for drivers. You do not have to have insurance, but you need to have $40,000 available to put on bond to prove you can pay for an accident.

We definitely recommended getting insurance in Arizona regardless of your financial situation. If you have questions about what coverages you need, we’re always here to help you pick out the right policy.

Arkansas

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

California

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $5,000 property damage liability per accident

Colorado

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

Connecticut

  • $20,000 bodily injury liability per person

  • $40,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $20,000 uninsured/underinsured motorist coverage per person

  • $40,000 uninsured/underinsured motorist coverage per accident

Delaware

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

Florida

  • $10,000 property damage liability per accident

  • $10,000 personal injury protection

Georgia

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Hawaii

  • $20,000 bodily injury liability per person

  • $40,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $10,000 personal injury protection

Idaho

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

Illinois

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $20,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

Indiana

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

Iowa

  • $20,000 bodily injury liability per person

  • $40,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

Kansas

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

Personal injury protection ( $4,500 in medical expenses, up to $900 per month for disability or loss of income, $25 per day for in-home services,$4,500 for rehabilitation, $2,000 for funeral burial or cremation costs)

Kentucky

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $10,000 personal injury protection

Louisiana

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Maine

  • $50,000 bodily injury liability per person

  • $100,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $50,000 uninsured motorist coverage per person

  • $100,000 uninsured motorist coverage per accident

  • $2,000 medical payments coverage

Maryland

  • $30,000 bodily injury liability per person

  • $60,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

Massachusetts

  • $20,000 bodily injury liability per person

  • $40,000 bodily injury liability per accident

  • $5,000 property damage liability per accident

  • $20,000 uninsured motorist coverage per person

  • $40,000 uninsured motorist coverage per accident

  • $8,000 personal injury protection

Michigan

  • $20,000 bodily injury liability per person

  • $40,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

Personal injury protection (unlimited) Michigan offers no-fault insurance with mandatory coverages

$1 million property protection (PPI). PPI pays up to $1 million for damage your vehicle does in Michigan to other people’s property.

Minnesota

  • $30,000 bodily injury liability per person

  • $60,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

  • $40,000 personal injury protection

Mississippi

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Missouri

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

Montana

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

Nebraska

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

Nevada

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

New Hampshire

There is no minimum car insurance requirement for the State of New Hampshire, however, state law does require you to pay for any bodily injury or property due to an accident.

If you decide to purchase insurance (which you should!), these are the minimums you’re able to purchase:

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

  • $25,000 uninsured/underinsured motorist property damage coverage

  • $1,000 medical payments coverage

New Jersey

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $5,000 property damage liability per accident

  • $15,000 personal injury protection

New Mexico

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

New York

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $50,000 liability for death per person

  • $100,000 liability for death per accident

  • $10,000 property damage liability per accident

  • $50,000 personal injury protection

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

North Carolina

  • $30,000 bodily injury liability per person

  • $60,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $30,000 uninsured motorist coverage per person

  • $60,000 uninsured motorist coverage per accident

  • $25,000 uninsured motorist property damage coverage per accident

North Dakota

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

  • $30,000 personal injury protection

Ohio

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Oklahoma

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

Oregon

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $20,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

  • $15,000 personal injury protection

Pennsylvania

  • $15,000 bodily injury liability per person

  • $30,000 bodily injury liability per accident

  • $5,000 property damage liability per accident

  • $5,000 medical benefits

Rhode Island

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

South Carolina

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

  • $25,000 uninsured motorist property damage coverage

South Dakota

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

Tennessee

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

Texas

  • $30,000 bodily injury liability per person

  • $60,000 bodily injury liability per accident

  • $25,000 property damage liability per acciden

Utah

  • $25,000 bodily injury liability per person

  • $65,000 bodily injury liability per accident

  • $15,000 property damage liability per accident

  • $3,000 personal injury protection

Virginia

Virginia has special legal requirements for drivers. You don’t technically need to have insurance, but Virginia law requires that all drivers have a way to pay for injuries or property damage resulting from a car accident.

If you decide to purchase insurance (which you should!), these are the minimums you’re able to purchase:

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $20,000 property damage liability per accident

Vermont

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $50,000 uninsured/underinsured motorist coverage per person

  • $100,000 uninsured/underinsured motorist coverage per accident

  • $10,000 uninsured/underinsured motorist property damage coverage per accident

Washington

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

Washington D.C.

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured/underinsured motorist coverage per person

  • $50,000 uninsured/underinsured motorist coverage per accident

  • $5,000 uninsured/underinsured motorist property damage coverage per accident

West Virginia

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $25,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

  • $25,000 uninsured motorist property damage coverage

Wisconsin

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured motorist coverage per person

  • $50,000 uninsured motorist coverage per accident

Wyoming

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $20,000 property damage liability per accident

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