Table Of Content: Find your State!
- Everything You Need To Know About State Auto Insurance Requirements
- Key Terms Explained
- ALABAMA
- ALASKA
- ARIZONA
- ARKANSAS
- CALIFORNIA
- COLORADO
- CONNECTICUT
- DELAWARE
- FLORIDA
- GEORGIA
- HAWAII
- IDAHO
- ILLINOIS
- INDIANA
- IOWA
- KANSAS
- KENTUCKY
- LOUISIANA
- MAINE
- MARYLAND
- MASSACHUSETTS
- MICHIGAN
- MINNESOTA
- MISSISSIPPI
- MISSOURI
- MONTANA
- NEBRASKA
- NEVADA
- NEW HAMPSHIRE
- NEW JERSEY
- NEW MEXICO
- NEW YORK
- NORTH CAROLINA
- NORTH DAKOTA
- OHIO
- OKLAHOMA
- OREGON
- PENNSYLVANIA
- RHODE ISLAND
- SOUTH CAROLINA
- SOUTH DAKOTA
- TENNESSEE
- TEXAS
- UTAH
- VERMONT
- VIRGINIA
- WASHINGTON
- WEST VIRGINIA
- WISCONSIN
- WYOMING
- Frequently Asked Questions about Insurance Requirement by State
- What are the insurance requirements for my state?
- Do I need additional coverage beyond the state minimum requirements?
- How can A Plus Insurance help me find the best rates for state-required coverage?
- What We Do at A Plus Insurance
It’s very important to know your auto insurance requirements in the state you live in. Why?
- For one thing it’s good to know what you are covered for.
- Secondly, you need to decide if the state requirements are what you need for your policy.
Key Terms Explained
- State minimum limits are the liability limits which cover the other party if you cause an accident. For example, if your state minimum required is 25/50/25, this would mean:
- 25,000 for bodily injury per person,
- 50,000 for bodily injury for all persons per each accident
- 25,000 for property damage per accident.
PIP/Personal injury protection. This is known as “no fault insurance.” This coverage helps you with expenses like lost wages, funeral costs, or medical bills. This coverage would pay out no matter who is at fault.
MedPay/medical payments coverage. This helps pay for medical expenses up to a certain limit no matter whose fault the accident is. This coverage would also help pay for passengers’ injuries as well.
UM/UIM/Uninsured motorist and Underinsured motorist Uninsured motorist insurance protects you if you are involved in an accident with someone who does not have current insurance in place. Underinsured motorist insurance covers you when you are involved in an accident with a driver who does not have adequate liability limits on their insurance policy to cover your damages.
Insurance Requirement by State!
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Below we have listed the requirements for each state for your convenience. As you can see, each state varies with the types of coverages.
ALABAMA
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejections form required for Uninsured Motorist Coverage
ALASKA
- Minimum Requirements: 50/100/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured Coverage
ARIZONA
- Minimum Requirements: 25/50/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage:Optional
- Rejection forms required for Uninsured and Underinsured coverage
ARKANSAS
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for PIP, Uninsured, and Underinsured coverage
CALIFORNIA
- Minimum Requirements: 15/30/5
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
COLORADO
- Minimum Requirements: 25/50/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Medical Payments and Uninsured Coverage
CONNECTICUT
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
DELAWARE
- Minimum Requirements: 25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
FLORIDA
- Minimum Requirements: 10/20/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
GEORGIA
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
HAWAII
- Minimum Requirements: 20/40/10
- Personal Injury Protection: $10,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
IDAHO
- Minimum Requirements: 25/50/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
ILLINOIS
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection form required for Uninsured Motorist coverage
INDIANA
- Minimum Requirements: 25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
IOWA
- Minimum Requirements: 20/40/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
KANSAS
- Minimum Requirements: 25/50/25
- Personal Injury Protection: $4,500
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage:$25,000 per person; $50,000 per accident
KENTUCKY
- Minimum Requirements: 25/50/10
- Personal Injury Protection: $10,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
LOUISIANA
- Minimum Requirements: 15/30/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
MAINE
- Minimum Requirements: 50/100/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: $2,000
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
MARYLAND
- Minimum Requirements: 30/60/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $30,000 per person; $60,000 per accident
- Waiver form required for PIP
MASSACHUSETTS
- Minimum Requirements: 20/40/5
- Personal Injury Protection: $8,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage:$20,000 per person; $40,000 per accident
MICHIGAN
- Minimum Requirements: 50/100/10
- Personal Injury Protection: $50,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
MINNESOTA
- Minimum Requirements: 30/60/10
- Personal Injury Protection: $40,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
MISSISSIPPI
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured Motorist coverage
MISSOURI
- Minimum Requirements:25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
MONTANA
- Minimum Requirements: 25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection form required for Uninsured Motorist coverage
NEBRASKA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection forms required for Uninsured and Underinsured coverage
NEVADA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection forms required for Uninsured, Underinsured and medical payments coverage
NEW HAMPSHIRE
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: $1,000
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection form required for excess Uninsured Motorist coverage
NEW JERSEY
- Minimum Requirements:15/30/5
- Personal Injury Protection: $15,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
NEW MEXICO
- Minimum Requirements:25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
NEW YORK
- Minimum Requirements:25/50/10
- Personal Injury Protection: $50,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
NORTH CAROLINA
- Minimum Requirements:30/60/25
- Personal Injury Protection: $60,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $30,000 per person; $60,000 per accident
NORTH DAKOTA
- Minimum Requirements:25/50/25
- Personal Injury Protection: $30,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
OHIO
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
OKLAHOMA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
OREGON
- Minimum Requirements:25/50/20
- Personal Injury Protection: $15,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
PENNSYLVANIA
- Minimum Requirements:15/30/5
- Personal Injury Protection: $5,000
- Medical Payments Coverage:$5,000
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
RHODE ISLAND
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage:Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Medical Payments coverage
SOUTH CAROLINA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection form required for Underinsured Motorist coverage
SOUTH DAKOTA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
TENNESSEE
- Minimum Requirements:25/50/15
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured Motorist coverage
TEXAS
- Minimum Requirements:30/60/25
- Personal Injury Protection: $2,500
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured, Underinsured, and PIP coverage
UTAH
- Minimum Requirements:25/65/15
- Personal Injury Protection: $3,000
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
VERMONT
- Minimum Requirements:25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
VIRGINIA
- Minimum Requirements:25/50/20
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
WASHINGTON
- Minimum Requirements:25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection forms required for Uninsured and Underinsured coverage
WEST VIRGINIA
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection forms required for Uninsured and Underinsured coverage
WISCONSIN
- Minimum Requirements:25/50/10
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
- Rejection form required for Underinsured coverage
WYOMING
- Minimum Requirements:25/50/25
- Personal Injury Protection: Optional
- Medical Payments Coverage: Optional
- Uninsured/Underinsured Motorist Coverage: Optional
- Rejection form required for Uninsured coverage
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- Good Driver Discounts: Safe driving habits can qualify you for special discounts in 2024. Maintaining a clean driving record, free of accidents or tickets, can unlock additional savings on your auto insurance policy. Text Us to see if you qualify for a good driver discount.
- 2024 Claims-Free Discount: If you haven’t filed any claims in the past few years, you might be eligible for a claims-free discount. This discount applies to both home and auto insurance, reducing your premium for remaining claim-free. Call us at 1.888.445.2793 to check your eligibility.
- Military Discounts for 2024: Many insurance companies offer exclusive discounts for active military members, veterans, and their families. If you qualify, these discounts can help you save on home and auto policies. Text Us for more information about military discounts.
- Home Security Discounts: Installing security features in your home, such as alarm systems, cameras, or smart locks, can qualify you for a home insurance discount in 2024. Insurers reward homeowners who take steps to protect their property. Call us at 1.888.445.2793 for details on home security-related discounts.
- Low Mileage Discount: If you drive fewer miles in 2024, you may be eligible for a low mileage discount on your auto insurance. Insurance companies offer this to drivers who spend less time on the road, thus reducing their risk. Text Us to check if you qualify for this offer.
- 2024 Renewal Discounts: Renewing your policies early or without a lapse in coverage could earn you a renewal discount for 2024. Insurance companies often reward loyal customers with reduced rates for timely renewals. Call us at 1.888.445.2793 to see how much you can save by renewing early.
- Good Credit Score Discount: In 2024, maintaining a strong credit score can help you secure lower insurance rates. Many insurance companies offer better premiums for clients with good credit. Text Us to see how your credit score can impact your insurance costs.
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Frequently Asked Questions about Insurance Requirement by State
What are the insurance requirements for my state?
Insurance requirements vary by state. To find out the specific insurance requirements for your state, contact A Plus Insurance at 1.888.445.2793. Our team will guide you through the necessary coverage and help you find the best rates.
Do I need additional coverage beyond the state minimum requirements?
While meeting state minimum requirements is mandatory, it’s often advisable to consider additional coverage based on your specific needs. A Plus Insurance can assess your situation and provide guidance. Call us at 1.888.445.2793 for personalized assistance.
How can A Plus Insurance help me find the best rates for state-required coverage?
A Plus Insurance shops multiple carriers to help you find the best rates for state-required coverage. Contact us at 1.888.445.2793 to take advantage of our expertise in securing affordable insurance that meets your state’s requirements.
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A Plus Insurance
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Company Info: The following address is mailing only.
A Plus Insurance Spartanburg
250 S Church St #24
Spartanburg, SC. 29304
Phone: 864-318-9060
Last Updated on by Marlon Moss