Guide to car insurance in the united states
Guide to car insurance in the United States

If you drive, own or lease a car, each of the 50 states requires you to either have car insurance or provide “proof of financial responsibility.” Proof of financial responsibility is usually met by having car insurance. Each state mandates specific types of insurance required – and there are lots of state to state differences. Some states have high liability limits required; other states require that you have liability and uninsured motorists’ coverage.

Not only does each state have its own insurance requirements, each state will also have its own laws about negligence if you are in an accident (contributory or comparative). Some states have a “no fault” rule for accidents with damages under a specific threshold set for each state.

Click on your state for the minimum coverage amounts and other helpful information about cars and insurance in your state:

Seal of Alabama State

Alabama

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Seal of Alaska

Alaska

  • $50,000 for death or injury to one person;
  • $100,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


State seal of Arizona

Arizona

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


seal of arkansas state

Arkansas

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others.

Visit state page for details and regulations


California State Seal

California

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $5,000 for property damage to others

Visit state page for details and regulations


Colorado seal

Colorado

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $15,000 for property damage to others

Visit state page for details and regulations


Seal of Conneticut

Connecticut

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Delaware seal

Delaware

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Florida Seal

Florida

  • $10,000 for death or injury for you and/or your passengers (maximum of $5000 death benefit out of $10,000 coverage);
  • $10,000 for property damage to others.
  • Changes apply after 1st DUI (100/300/50)

Visit state page for details and regulations


Seal of Georgia

Georgia

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Hawaii seal

Hawaii

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people;
  • $10,000 for property damage to others; and
  • $10,000 for Personal Injury Protection coverage for you, passengers in your car, or pedestrians

Visit state page for details and regulations


Idaho seal

Idaho

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $15,000 for property damage to others

Visit state page for details and regulations


Seal of Illinois state

Illinois

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $15,000 for property damage to others
  • Important: You must also have uninsured/underinsured coverage in the same amounts as your bodily injury coverage

Visit state page for details and regulations


State of Indiana - Seal

Indiana

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Iowa state seal

Iowa

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $15,000 for property damage to others

Visit state page for details and regulations


Kansas state seal

Kansas

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people.; and
  • $10,000 for property damage to others
  • Important: PIP
  • Important: Underinsured/Unisured coverage

Visit state page for details and regulations


Seal of Kentucky

Kentucky

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people.; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Seal of Louisiana state

Louisiana

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Maine state seal

Maine

  • $50,000 for death or injury to one person;
  • $100,000 for death or injury to two or more people; and
  • $25,000 for property damage to others;
  • $50,000 for death or injury to one person and $100,000 for death or injury to two or more persons for uninsured/underinsured motorist coverage plus $2,000 in med pay coverage.

Visit state page for details and regulations


Maryland state seal

Maryland

  • $30,000 for death or injury to one person;
  • $60,000 for death or injury to two or more people; and
  • $15,000 for property damage to others

Visit state page for details and regulations


Massachusetts state seal

Massachusetts

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $5,000 for property damage to others;
  • Personal Injury Protection (PIP) of $8,000 (may be waived in writing)

Visit state page for details and regulations


Michigan state seal

Michigan

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $10,000 for property protection insurance.
  • Additional: PPI and PIP

Visit state page for details and regulations


seal of Minnesota

Minnesota

  • $30,000 for death or injury to one person;
  • $60,000 for death or injury to two or more people; and
  • $10,000 for property damage to other

Visit state page for details and regulations


Mississippi state seal

Mississippi

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $50,000 for property damage to others

Visit state page for details and regulations


State seal of Missouri

Missouri

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others.

Visit state page for details and regulations


Montana state seal

Montana

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Seal of Nebraska state

Nebraska

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others
  • Under-insured and uninsured protection

Visit state page for details and regulations


nevada-state-seal

Nevada

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $10,000 for property damage to others.

Visit state page for details and regulations


State seal of New Jersey

New Jersey

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $5,000 for property damage to others

Visit state page for details and regulations


New Hampshire seal

New Hampshire

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


State seal of New Mexico

New Mexico

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


New York seal

New York and New York City

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others
  • $50,000 PIP

Visit state page for details and regulations


North Carolina seal

North Carolina

  • $30,000 for death or injury to one person;
  • $60,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


seal of North Dakota state

North Dakota

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others
  • PIP and under-insured/uninsured coverage

Visit state page for details and regulations


seal of Ohio state

Ohio

  • $12,500 for death or injury to one person;
  • $25,000 for death or injury to two or more people; and
  • $7,500 for property damage to others

Visit state page for details and regulations


Seal of Oklahoma state

Oklahoma

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Seal of Oregon state

Oregon

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $20,000 for property damage to others
  • PIP and under-insured/uninsured converage

Visit state page for details and regulations


Pennsylvania state seal

Pennsylvania

  • $15,000 for death or injury to one person;
  • $30,000 for death or injury to two or more people; and
  • $5,000 for property damage to others
  • $5,000 medical benefits

Visit state page for details and regulations


Fhode Island state seal

Rhode Island

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Seal of South Carolina

South Carolina

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Seal of South Dakota

South Dakota

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Tennessee state seal

Tennessee

    $25,000 for death or injury to one person;
    $50,000 for death or injury to two or more people; and
    $15,000 for property damage to others

Visit state page for details and regulations


Seal of Texas state

Texas

  • $30,000 for death or injury to one person;
  • $60,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Visit state page for details and regulations


Seal of Utah

Utah

  • $25,000 for death or injury to one person;
  • $65,000 for death or injury to two or more people; and
  • $15,000 for property damage to others

Visit state page for details and regulations


Vermont state seal

Vermont

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Seal of Virginia

Virginia

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $20,000 for property damage to others

Visit state page for details and regulations


Seal of Washington state

Washington

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


West Virginia state seal

West Virginia

  • $20,000 for death or injury to one person;
  • $40,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Seal of Wisconsin state

Wisconsin

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others

Visit state page for details and regulations


Wyoming state seal

Wyoming

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $20,000 for property damage to others

Visit state page for details and regulations


Washington DC / District of Columbia Seal

And Washington, D.C.

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $10,000 for property damage to others
  • Also: uninsured liability and property converage

Visit state page for details and regulations