Auto Insurance State Minimums
So far as auto insurance is concerned, each of the fifty states has different legal requirements. In some states, motorists cannot register a car without producing evidence that they are in possession of liability insurance. In other states there is an "honor system" that does not require testimony of insurance until drivers have accidents or tickets on their records.
There are only five states that do not ask motorists to bear liability coverage. The others that require motorists to take liability insurance, demand that drivers procure at least the state's minimum. So, if you are a resident of a state the laws of which makes the purchase of liability insurance mandatory, you can't get away by buying only $2,000 worth of liability coverage. If you've decided upon buying it, you must let go at least the minimum amount required for the coverage.
How you can make out liability limits.
The following information will help you make out the table of liability limits.
Physical injury liability maximum for one person injured in an accident.
Physical injury liability maximum for all injuries in one accident.
Property damage liability maximum for one accident.
So, looking at the table, you come across that in Alabama the lowest liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.
What is no-fault?
There are states which have states have "no-fault" laws. This means that your auto policy is required to pay medical bills for injuries undergone in an auto accident not considering of who was responsible for the accident. The laws were framed and put to effect in an endeavor to diminish auto-injury hoax and keep insurance outlay down.
| State |
Liability required? Liability minimums
(inthousands of dollars) |
PIP required? |
No-fault state? |
Uninsured motorist coverage required? |
| Alabama |
Yes, 20/40/10 |
No |
No |
Yes |
| Alaska |
Yes, 50/100/25 |
No |
No |
Yes |
| Arizona |
Yes, 15/30/10 |
No |
No |
No |
| Arkansas |
Yes, 25/50/25 |
No |
No |
Yes |
| California1 |
Yes, 15/30/5 |
No |
No |
Yes |
| Colorado |
Yes, 25/50/15 |
No |
No |
Yes |
| Connecticut |
Yes, 20/40/10 |
No |
No |
Yes |
| Delaware |
Yes, 15/30/10 |
Yes |
No |
Yes |
| Florida2 |
Yes, 10/20/10 |
Yes |
Yes |
Yes |
| Georgia |
Yes, 25/50/25 |
No |
No |
Yes |
| Hawaii |
Yes, 20/40/10 |
Yes |
Yes |
Yes |
| Idaho |
Yes, 25/50/15 |
No |
No |
No |
| Illinois |
Yes, 20/40/15 |
No |
No |
Yes |
| Indiana |
Yes, 25/50/10 |
No |
No |
Yes |
| Iowa |
Yes, 20/40/15 |
No |
No |
Yes |
| Kansas |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
| Kentucky |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
| Louisiana |
Yes, 10/20/10 |
No |
No |
Yes |
| Maine |
Yes, 50/100/25 |
No |
No |
Yes |
| Maryland |
Yes, 20/40/15 |
Yes |
No |
Yes |
| Massachusetts |
Yes, 20/40/5 |
Yes |
Yes |
Yes |
| Michigan |
Yes, 20/40/10 |
Yes |
Yes |
No |
| Minnesota |
Yes, 30/60/10 |
Yes |
Yes |
Yes |
| Mississippi |
Yes, 10/20/5 |
No |
No |
Yes |
| Missouri |
Yes, 25/50/10 |
No |
No |
Yes |
| Montana |
Yes, 25/50/10 |
No |
No |
Yes |
| Nebraska |
Yes, 25/50/25 |
No |
No |
No |
| Nevada |
Yes, 15/30/10 |
No |
No |
Yes |
| New Hampshire |
No, 25/50/25 |
No |
No |
Yes |
| New Jersey3 |
Yes, 15/30/5 |
Yes |
Yes |
Yes |
| New Mexico |
Yes, 25/50/10 |
No |
No |
Yes |
| New York4 |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
| North Carolina |
Yes, 30/60/25 |
No |
No |
Yes |
| North Dakota |
Yes, 25/50/25 |
Yes |
Yes |
Yes |
| Ohio |
Yes, 12.5/25/7.5 |
No |
No |
Yes |
| Oklahoma |
Yes, 10/20/10 |
No |
No |
Yes |
| Oregon |
Yes, 25/50/10 |
Yes |
No |
Yes |
| Pennsylvania |
Yes, 15/30/5 |
No |
Yes |
Yes |
| Rhode Island |
Yes, 25/50/25 |
No |
No |
Yes |
| South Carolina |
No, 15/30/10 |
No |
No |
Yes |
| South Dakota |
Yes, 25/50/25 |
No |
No |
Yes |
| Tennessee |
Yes, 25/50/10 |
No |
No |
Yes |
| Texas |
Yes, 20/40/15 |
No |
No |
Yes |
| Utah |
Yes, 25/50/15 |
Yes |
Yes |
Yes |
| Vermont |
Yes, 25/50/10 |
No |
No |
Yes |
| Virginia |
No, 25/50/20 |
No |
No |
Yes |
| Washington |
Yes, 25/50/10 |
No |
No |
Yes |
| Washington D.C. |
Yes, 25/50/10 |
No |
Yes |
Yes |
| West Virginia |
Yes, 20/40/10 |
No |
No |
Yes |
| Wisconsin |
No, 25/50/10 |
No |
No |
Yes |
| Wyoming |
Yes, 25/50/20 |
No |
No |
Yes |
1
Low-cost policy minimums for Los Angeles and San Francisco for
eligible low-income drivers in the California Automobile Assigned
Risk Plan are 10/20/3, effective July 1, 2000, to Jan. 1, 2004.
2Only property-damage liability is
compulsory.
3Drivers can choose a standard or basic
policy. Basic policy limits are 10/10/5; only property-damage
liability is mandatory.
4Liability rises to 50/100 if
injury results in death.
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