The minimum liability insurance that you must carry is based on your state’s laws. Failing to carry the minimum liability insurance required by your state can lead to expensive fines, and you could be personally liable if you cause an accident.
What Is Minimum Liability Insurance?
Minimum liability insurance is the least amount of coverage you must have to pay for any damages you cause. Liability insurance includes:
- Bodily injury liability coverage: Bodily injury liability coverage covers other people’s physical damages in an accident.
- Property damage liability coverage: Property damage liability coverage covers damages to the other driver’s property.
Minimum liability insurance requirements are usually listed as three numbers. The first number refers to the bodily injury liability limit per person. The second number refers to the bodily injury liability limit per accident. The third number refers to your total property damage coverage. These limits are the maximum that your insurance company will pay out. It may be listed as 25/50/20 or $25,000/$50,000/$25,000.
Minimum Liability Insurance Requirements by State
According to WalletHub, the minimum liability insurance requirements vary by state:
- Alabama: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Alaska: Bodily injury- $50,000 (per person), $100,000 (per accident), and $25,000 property damages
- Arizona: Bodily injury- $15,000 (per person), $30,000 (per accident), and $10,000 property damages
- Arkansas: Bodily injury- $25,000 (per person), $50,000 (per accident), $25,000 property damages, and $5000 medical
- California: Bodily injury- $15,000 (per person), $30,000 (per accident), and $5000 property damages
- Colorado: Bodily injury- $25,000 (per person), $50,000 (per accident), and $15,000 property damages
- Connecticut: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Delaware: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages. Delaware also requires add-on no-fault insurance coverage of $15,000 (per person) and $30,000 (per accident)
- District of Columbia: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- Florida: Bodily injury- $10,000 (per person), $20,000 (per injury), property damages- $10,000 (per person), and $30,000 (per accident)
- Georgia: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Hawaii: Bodily injury- $20,000 (per person), $40,000 (per accident), and $10,000 property damages
- Idaho: Bodily injury- $25,000 (per person), $50,000 (per accident), and $15,000 property damages. Idaho drivers may opt for an indemnity bond instead of buying insurance.
- Illinois: Bodily injury- $25,000 (per person), $50,000 (per accident), and $20,000 property damages
- Indiana: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- Iowa: Bodily injury- $20,000 (per person), $40,000 (per accident), and $15,000 property damages
- Kansas: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Kentucky: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- Louisiana: Bodily injury- $15,000 (per person), $30,000 (per accident), and $25,000 property damages
- Maine: Bodily injury- $50,000 (per person), $100,000 (per accident), and $25,000 property damages
- Maryland: Bodily injury- $30,000 (per person), $60,000 (per accident), and $15,000 property damages
- Massachusetts: Bodily injury- $20,000 (per person), $40,000 (per accident), and $5000 property damages
- Michigan: Bodily injury- $20,000 (per person), $40,000 (per accident), and $10,000 property damages
- Minnesota: Bodily injury- $30,000 (per person), $60,000 (per accident), $10,000 property damages (per person), and $70,000 (per accident)
- Mississippi: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Missouri: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Montana: Bodily injury- $25,000 (per person), $50,000 (per accident), and $20,000 property damages
- Nebraska: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Nevada: Bodily injury- $15,000 (per person), $30,000 (per accident), and $10,000 property damages
- New Hampshire: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- New Jersey: Bodily injury- $15,000 (per person), $30,000 (per accident), and $5000 property damages
- New Mexico: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- New York: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- North Carolina: Bodily injury- $30,000 (per person), $60,000 (per accident), $25,000 property damages, and uninsured coverage
- North Dakota: Bodily injury- $25,000 (per person), $50,000 (per accident), $25,000 property damages, and no-fault, uninsured coverage of $25,000 (per person) and $50,000 (per accident)
- Ohio: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Oklahoma: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Oregon: Bodily injury- $25,000 (per person), $50,000 (per accident), and $20,000 property damages
- Pennsylvania: Bodily injury- $15,000 (per person), $30,000 (per accident), and $5000 property damages
- Rhode Island: Bodily injury- $25,000 (per person), $50,000 (per accident), $25,000 property damages (per person), and $75,000 (per accident)
- South Carolina: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- South Dakota: Bodily injury- $25,000 (per person), $50,000 (per accident), and $25,000 property damages
- Tennessee: Bodily injury- $25,000 (per person), $60,000 (per accident), and $10,000 property damages
- Texas: Bodily injury- $30,000 (per person), $60,000 (per accident), and $25,000 property damages
- Utah: Bodily injury- $25,000 (per person), $65,000 (per accident), $15,000 property damages, and uninsured coverage of $3000 (medical)
- Vermont: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- Virginia: Bodily injury- $25,000 (per person), $50,000 (per accident), and $20,000 property damages
- Washington: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- West Virginia: Bodily injury- $20,000 (per person), $40,000 (per accident), and $10,000 property damages
- Wisconsin: Bodily injury- $25,000 (per person), $50,000 (per accident), and $10,000 property damages
- Wyoming: Bodily injury- $25,000 (per person), $50,000 (per accident), and $20,000 property damages
It is important to note that these are the state minimum requirements. Depending on the value of your vehicle, you may want or need additional coverage. AAA also points out that you should check insurance minimum laws when visiting new states to understand how they will process an accident. Different states follow different laws which could affect how you are covered if you’re in an accident while visiting another state.
Always check the minimum liability insurance in your state when comparing quotes. This ensures that you not only get the best rate but that you are following state laws.
Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
Car Insurance Huntsville, Alabama
Car Insurance Little Rock Arkansas
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