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Insurance

When it comes to insurance laws, no two states are the same. Almost all 50 states have mandatory minimum insurance requirements, the requisite coverage levels vary. In some states, mandatory minimums do not exist; instead, the law requires drivers to prove financial responsibility. The results for failing to comply with car insurance laws also differ significantly by state. Noncompliance may result in large fines in one state and license revocation in another.

Minimum car insurance by state you should buy

Securing insurance for your motor vehicle is a must, but why won't the minimum state requirements be enough for your car? Insurance centers guarantee to give you the best rates but it may not necessarily meet the cost of being involved in a car accident. It is recommended that you purchase insurance with liability limits covering injuries and property damages, as well as the coverage on your personal injury protection.

How to read auto insurance liability limits

Here's how to read the following table of auto insurance liability minimums. 1.First number: Bodily injury liability maximum for one person injured in an accident. 2.Second number: Bodily injury liability maximum for all injuries in one accident. 3.Third number: Property damage liability maximum for one accident.

For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident. Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist coverage (UM).

State Required? Minimums($)
Alabama Yes, 25/50/25
Alaska Yes, 50/100/25
Arizona Yes, 15/30/10
Arkansas Yes, 25/50/25
California Yes, 15/30/5
Colorado Yes, 25/50/15
Connecticut Yes, 20/40/10
Delaware Yes, 15/30/10
Florida No, 10/20/10
Georgia Yes, 25/50/25
Hawaii Yes, 20/40/10
Idaho Yes, 25/50/15
Illinois Yes, 20/40/15
Indiana Yes, 25/50/10
Iowa Yes, 20/40/15
Kansas Yes, 25/50/10
Kentucky Yes, 25/50/10
Louisiana Yes, 15/30/25
Maine Yes, 50/100/25
Maryland Yes, 30/60/15
Massachusetts Yes, 20/40/5
Michigan Yes, 20/40/10
Minnesota Yes, 30/60/10
Mississippi Yes, 25/50/25
Missouri Yes, 25/50/10
Montana Yes, 25/50/10
Nebraska Yes, 25/50/25
Nevada Yes, 15/30/10
New Hampshire No, FR only (7)
New Jersey Yes, 15/30/5
New Mexico Yes, 25/50/10
New York Yes, 25/50/10
North Carolina Yes, 30/60/25
North Dakota Yes, 25/50/25
Ohio Yes, 12.5/25/7.5
Oklahoma Yes, 25/50/25
Oregon Yes, 25/50/20
Pennsylvania Yes, 15/30/5
Rhode Island Yes, 25/50/25
South Carolina Yes, 25/50/25
South Dakota Yes, 25/50/25
Tennessee Yes, 25/50/15
Texas Yes, 30/60/25
Utah Yes, 25/65/15
Vermont Yes, 25/50/10
Virginia Yes, 25/50/20
Washington Yes, 25/50/10
Washington D.C. Yes, 25/50/10
West Virginia Yes, 20/40/10
Wisconsin Yes, 50/100/55
Wyoming Yes, 25/100/15