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Auto insurance regulations by state

Each state has it's own minimum coverage that is required by law in order for a driver to maintain their driver's license in that state.

There are six basic auto insurance coverage components. They are:

Bodily injury liability (Required in most states): For injuries the policyholder causes to someone else.
Property damage liability (Required in most states): For damage the policyholder causes to someone else's property (usually vehicles).
Medical payments or personal injury protection (PIP) (Required in some states): For treatment of injuries to the driver and passengers of the policyholder's car.
Collision (Generally optional): For damage to the policyholder's car from a collision. The collision could be with another vehicle or a tree etc.
Comprehensive (Generally optional): For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks may include fire, theft, vandalism etc.
Uninsured motorist (Required in some states): For treatment of the policyholder's injuries that result from a collision with an uninsured driver. This coverage comes into play when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your damages.

Requirements by State

State	Coverage Type(s) Required	*Minimum Liability Limits ($000)**
AL	Bodily Injury and Property Damage Liability (effective 6/2000)	20/40/10
AK	Bodily Injury and Property Damage Liability	50/100/25
AZ	Bodily Injury and Property Damage Liability	15/30/10
AR	Bodily Injury and Property Damage Liability	25/50/25
CA	Bodily Injury and Property Damage Liability	15/30/5
CO	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
CT	Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist	20/40/10
DE	Bodily Injury and Property Damage Liability, Personal Injury Protection	15/30/5
DC	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
FL	Property Damage Liability, Personal Injury Protection	10/20/10
GA	Bodily Injury and Property Damage Liability	25/50/25
HI	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
ID	Bodily Injury and Property Damage Liability	25/50/15
IL	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/15
IN	Bodily Injury and Property Damage Liability	25/50/10
IA	Bodily Injury and Property Damage Liability	20/40/15
KS	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
KY	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/10
LA	Bodily Injury and Property Damage Liability	10/20/10
ME	Bodily Injury and Property Damage Liability, Uninsured Motorist, Underinsured Motorist	50/100/25
MD	Bodily Injury and Property Damage Liability, Personal Injury Protection (may be waived for policyholder but compulsory for passengers), Uninsured Motorist	20/40/10
MA	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	20/40/5
MI	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
MN	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist	30/60/10
MS	Bodily Injury and Property Damage Liability	10/20/5
MO	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
MT	Bodily Injury and Property Damage Liability	25/50/10
NE	Bodily Injury and Property Damage Liability	25/50/25
NV	Bodily Injury and Property Damage Liability	15/30/10
NH	Financial Responsibility Only, Underinsured Motorist	25/50/25
NJ	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	15/30/5
NM	Bodily Injury and Property Damage Liability	25/50/10
NY	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
NC	Bodily Injury and Property Damage Liability	30/60/25
ND	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/25
OH	Bodily Injury and Property Damage Liability	12.5/25/7.5
OK	Bodily Injury and Property Damage Liability	10/20/10
OR	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
PA	Bodily Injury and Property Damage Liability, Medical Payments	15/30/5
RI	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
SC	Bodily Injury and Property Damage Liability, Uninsured Motorist	15/30/10
SD	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
TN	Financial Responsibility Only	25/50/10
TX	Bodily Injury and Property Damage Liability	20/40/15
UT	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
VT	Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist	25/50/10
VA	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/20
WA	Bodily Injury and Property Damage Liability	25/50/10
WV	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/10
WI	Financial Responsibility Only, Uninsured Motorist	25/50/10
WY	Bodily Injury and Property Damage Liability	25/50/20

*The first two numbers refer to bodily injury liability limits and the third refers to the property damage liability limit. (ex. 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage.) The state minimums are based on the most current information available. You should check your specific state requirements to verify these figures.

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