Understanding Car Insurance Requirements By State
Everything You Need To Know About State Auto Insurance Requirements
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.
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
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.