Minimum State Insurance Requirements
For more information go toiii.org
|
State
|
Liability limits (in thousands of dollars)1
|
Personal Injury Protection PIP required?
|
True No-fault state?
|
Uninsured motorist coverage required?
|
| Alabama |
20/50/25 |
No |
No |
No |
| Alaska |
50/100/25 |
No |
No |
No |
| Arizona |
15/30/10 |
No |
No |
No |
| Arkansas |
25/50/25 |
Yes |
Yes |
No |
| California |
15/30/5 |
No |
No |
No |
| Colorado |
25/50/15 |
No |
No |
No |
| Connecticut |
20/40/10 |
No |
No |
Yes |
| Delaware |
15/30/10 |
Yes |
Yes |
No |
| D.C. |
25/50/10 |
No |
Yes |
Yes |
| Florida2 |
10/20/10 |
Yes |
Yes |
No |
| Georgia |
25/50/25 |
No |
No |
No |
| Hawaii |
20/40/10 |
Yes |
Yes |
No |
| Idaho |
25/50/15 |
No |
No |
No |
| Illinois |
20/40/15 |
No |
No |
Yes |
| Indiana |
25/50/10 |
No |
No |
No |
| Iowa |
20/40/15 |
No |
No |
No |
| Kansas |
25/50/10 |
Yes |
Yes |
Yes |
| Kentucky |
25/50/10 |
Yes |
Yes |
No |
| Louisiana |
15/30/25 |
No |
No |
No |
| Maine |
50/100/25 |
No |
No |
Yes |
| Maryland |
30/60/15 |
Yes |
Yes |
Yes |
| Massachusetts |
20/40/5 |
Yes |
Yes |
Yes |
| Michigan |
20/40/10 |
Yes |
Yes |
No |
| Minnesota |
30/60/10 |
Yes |
Yes |
Yes |
| Mississippi |
25/50/25 |
No |
No |
No |
| Missouri |
25/50/10 |
No |
No |
Yes |
| Montana |
25/50/10 |
No |
No |
No |
| Nebraska |
25/50/25 |
No |
No |
No |
| Nevada |
15/30/10 |
No |
No |
No |
| New Hampshire3 |
25/50/25 |
No |
Yes |
Yes |
| New Jersey4 |
15/30/5 |
Yes |
Yes |
Yes |
| New Mexico |
25/50/10 |
No |
No |
No |
| New York5 |
25/50/10 |
Yes |
Yes |
Yes |
| North Carolina |
30/60/25 |
No |
No |
Yes |
| North Dakota |
25/50/25 |
Yes |
Yes |
Yes |
| Ohio |
12.5/25/7.5 |
No |
No |
No |
| Oklahoma |
25/50/25 |
No |
No |
No |
| Oregon |
25/50/20 |
Yes |
Yes |
Yes |
| Pennsylvania |
15/30/5 |
Yes |
Yes |
No |
| Rhode Island |
25/50/25 |
No |
No |
Yes |
| South Carolina |
25/50/25 |
No |
No |
Yes |
| South Dakota |
25/50/25 |
No |
Yes |
Yes |
| Tennessee |
25/50/15 |
No |
No |
No |
| Texas |
30/60/25 |
No |
Yes |
No |
| Utah |
25/65/15 |
Yes |
Yes |
No |
| Vermont |
25/50/10 |
No |
No |
Yes |
| Virginia |
25/50/20 |
No |
Yes |
Yes |
| Washington |
25/50/10 |
No |
Yes |
No |
| West Virginia |
20/40/10 |
No |
No |
Yes |
| Wisconsin |
25/50/10 |
No |
Yes |
Yes |
| Wyoming |
25/50/20 |
No |
No |
No |
|
1.The first two numbers refer to bodily injury liability limits and the third number to property liability.
2.Only property-damage is compulsory
3.Insurance not compulsory
4.Drivers can choose a standard or basic policy. Basic policy limits are 10/10/5; only property-damage liability is compulsory
5.Liability rises to 50/100 if injury results in death.
Source: Insurance Information Institute
Last updated April 2012
For more Information go toIII.org
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