MINIMUM CAR INSURANCE REQUIREMENTS: WHAT DOES THAT MEAN?

There are 50 States in the United States, and each State has their own requirements and minimum coverages drivers must maintain in order to operate or register a vehicle in their State.

Below is a guide for each of the 34 States we operate in for the State Minimum Car Insurance Requirements in each State. These minimum coverages are required by law as a minimum starting point for auto insurance. Drivers can increase coverages and add additional coverages on to their Insurance policy if needed.

2023 MINIMUM CAR INSURANCE REQUIREMENTS

STATE	2023 MINIMUM CAR INSURANCE REQUIREMENTS
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	$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident
ARKANSAS	$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 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
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
IDAHO	$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident
INDIANA	$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 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 $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident Personal injury protection
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/underinsured motorist coverage per person $100,000 uninsured/underinsured 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 $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $15,000 uninsured/underinsured property damage coverage per accident
MICHIGAN	$50,000 bodily injury liability per person $100,000 bodily injury liability per accident $10,000 property damage liability per accident outside Michigan
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 $25,000 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 $20,000 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/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident
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 $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection
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
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
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 accident
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
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
VIRGINIA	$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $20,000 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

MINIMUM CAR INSURANCE REQUIREMENTS: WHAT IS LIABILITY?

Car insurance liability refers to the portion of an auto insurance policy that covers the policyholder’s legal responsibility for bodily injury or property damage caused to others in a car accident. It is a mandatory coverage in most jurisdictions to ensure that individuals have financial protection if they cause harm to others while driving.

Liability coverage typically consists of two components: bodily injury liability and property damage liability.

It’s important to note that liability coverage only applies to damages and injuries caused to others, not to the policyholder’s own vehicle or personal injuries. For that, additional coverage such as collision and comprehensive insurance would be needed.

1. Bodily injury liability: This coverage helps pay for the medical expenses, lost wages, pain and suffering, and legal costs incurred by individuals injured in an accident caused by the policyholder. It may also cover claims if the accident results in death. The policy will have a maximum limit for the amount the insurance company will pay per person injured or per accident.
2. Property damage liability: This coverage assists in paying for the repair or replacement of other people’s property damaged as a result of the policyholder’s car accident. It can include damage to other vehicles, buildings, fences, or any other property involved. Similar to bodily injury liability, there will be a maximum limit per accident for property damage liability as well.

MINIMUM CAR INSURANCE REQUIREMENTS: WHAT IS UNINSURED MOTORIST?

MINIMUM CAR INSURANCE REQUIREMENTS

UM/UIM coverage is typically optional in many jurisdictions, although some states require it to be offered as part of the auto insurance policy. It provides a valuable safety net to ensure that you are protected even if the other driver lacks adequate insurance. It’s important to review your insurance policy and consider adding UM/UIM coverage to protect yourself in case of such situations.

Uninsured/underinsured motorist (UM/UIM) coverage is a type of auto insurance that protects you if you are involved in an accident with a driver who either has no insurance or has insufficient insurance coverage to fully compensate you for your losses.

When a driver is legally required to have liability insurance but fails to maintain it or if you’re involved in a hit-and-run accident where the other driver cannot be identified, uninsured motorist coverage comes into play. It helps cover your medical expenses, lost wages, and other damages resulting from the accident caused by an uninsured driver.

Last Updated on April 17, 2024 by Marlon Moss