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Auto insurance is mandatory in almost every state in US but minimum requirements for coverage vary by state. Each state has its own laws regarding minimum amount insurance coverage that drivers are required carry. In this article we will discuss minimum auto insurance requirements by state why it's important carry adequate insurance coverage.
Liability insurance
is most common type auto insurance coverage required by states. It provides coverage for damages injuries caused other people their property if you are deemed at fault for an accident. The minimum liability insurance requirements vary by state are typically expressed in a set three numbers such as 25/50/10. The first number represents minimum amount bodily injury liability coverage per person second number represents minimum amount bodily injury liability coverage per accident third number represents minimum amount property damage liability coverage per accident.
The following is a breakdown minimum liability insurance requirements by state:
- Alabama: 25/50/25
- Alaska: 50/100/25
- Arizona: 15/30/10
- Arkansas: 25/50/25
- California: 15/30/5
- Colorado: 25/50/15
- Connecticut: 25/50/25
- Delaware: 25/50/10
- Florida: 10/20/10
- Georgia: 25/50/25
- Hawaii: 20/40/10
- Idaho: 25/50/15
- Illinois: 25/50/20
- Indiana: 25/50/25
- Iowa: 20/40/15
- Kansas: 25/50/25
- Kentucky: 25/50/25
- Louisiana: 15/30/25
- Maine: 50/100/25
- Maryland: 30/60/15
- Massachusetts: 20/40/5
- Michigan: 50/100/10
- Minnesota: 30/60/10
- Mississippi: 25/50/25
- Missouri: 25/50/25
- Montana: 25/50/20
- Nebraska: 25/50/25
- Nevada: 25/50/20
- New Hampshire: 25/50/25
- New Jersey: 15/30/5
- New Mexico: 25/50/10
- New York: 25/50/10
- North Carolina: 30/60/25
- North Dakota: 25/50/25
- Ohio: 25/50/25
- Oklahoma: 25/50/25
- Oregon: 25/50/20
- Pennsylvania: 15/30/5
- Rhode Island: 25/50/25
- South Carolina: 25/50/25
- South Dakota: 25/50/25
- Tennessee: 25/50/15
- Texas: 30/60/25
- Utah: 25/65/15
- Vermont: 25/50/10
- Virginia: 25/50/20
- Washington: 25/50/10
- West Virginia: 25/50/25
- Wisconsin: 25/50/10
- Wyoming: 25/50/20
It's important note
that these are only minimum requirements for liability insurance drivers may want consider carrying additional coverage for their own protection. Collision coverage provides protection for damages your own vehicle in event a collision regardless fault. Comprehensive coverage provides protection for damages your vehicle caused by
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