| Automobile Financial Responsibility Limits By State |
(As of December 2023)
|
| State |
Insurance required |
Minimum liability limits (1) |
| Alabama |
BI & PD Liability |
25/50/25 |
| Alaska |
BI & PD Liability |
50/100/25 |
| Arizona |
BI & PD Liability |
25/50/15 |
| Arkansas |
BI & PD Liability, PIP |
25/50/25 |
| California |
BI & PD Liability |
15/30/5 (2) |
| Colorado |
BI & PD Liability |
25/50/15 |
| Connecticut |
BI & PD Liability, UM, UIM |
25/50/25 |
| Delaware |
BI & PD Liability, PIP |
25/50/10 |
| DC |
BI & PD Liability, UM |
25/50/10 |
| Florida |
PD Liability, PIP |
10/20/10 |
| Georgia |
BI & PD Liability |
25/50/25 |
| Hawaii |
BI & PD Liability, PIP |
20/40/10 |
| Idaho |
BI & PD Liability |
25/50/15 |
| Illinois |
BI & PD Liability, UM, UIM |
25/50/20 |
| Indiana |
BI & PD Liability |
25/50/25 |
| Iowa |
BI & PD Liability |
20/40/15 |
| Kansas |
BI & PD Liability, PIP, UM, UIM |
25/50/15 |
| Kentucky |
BI & PD Liability, PIP |
25/50/25 (3) |
| Louisiana |
BI & PD Liability |
15/30/25 |
| Maine |
BI & PD Liability, MED, UM, UIM |
50/100/25 (3) |
| Maryland |
BI & PD Liability, PIP, UM, UIM |
30/60/15 (3) |
| Massachusetts |
BI & PD Liability, PIP, UM |
20/40/5 |
| Michigan |
BI & PD Liability, PIP |
250/500/10 (4) |
| Minnesota |
BI & PD Liability, PIP, UM, UIM |
30/60/10 |
| Mississippi |
BI & PD Liability |
25/50/25 |
| Missouri |
BI & PD Liability, UM |
25/50/25 |
| Montana |
BI & PD Liability |
25/50/20 |
| Nebraska |
BI & PD Liability, UM, UIM |
25/50/25 |
| Nevada |
BI & PD Liability |
25/50/20 |
| New Hampshire |
FR Only |
25/50/25 |
| New Jersey |
BI & PD Liability, PIP, UM, UIM |
25/50/25 (5) |
| New Mexico |
BI & PD Liability |
25/50/10 |
| New York |
BI & PD Liability, PIP, UM, UIM |
25/50/10 (6) |
| North Carolina |
BI & PD Liability, UM, UIM |
30/60/25 |
| North Dakota |
BI & PD Liability, PIP, UM, UIM |
25/50/25 |
| Ohio |
BI & PD Liability |
25/50/25 |
| Oklahoma |
BI & PD Liability |
25/50/25 |
| Oregon |
BI & PD Liability, PIP, UM, UIM |
25/50/20 |
| Pennsylvania |
BI & PD Liability, PIP |
15/30/5 |
| Rhode Island |
BI & PD Liability |
25/50/25 (3) |
| South Carolina |
BI & PD Liability, UM |
25/50/25 |
| South Dakota |
BI & PD Liability, UM, UIM |
25/50/25 |
| Tennessee |
BI & PD Liability |
25/50/25 |
| Texas |
BI & PD Liability |
30/60/25 |
| Utah |
BI & PD Liability, PIP |
25/65/15 (3) |
| Vermont |
BI & PD Liability, UM, UIM |
25/50/10 |
| Virginia |
BI & PD Liability, UM, UIM |
30/60/20 (7) |
| Washington |
BI & PD Liability |
25/50/10 |
| West Virginia |
BI & PD Liability, UM |
25/50/25 |
| Wisconsin |
BI & PD Liability, UM |
25/50/10 |
| Wyoming |
BI & PD Liability |
25/50/20 |
(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(4) Lower limits available only with state director approval.
(5) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit.
(6) In addition, policyholders must have 50/100 for wrongful death coverage.
(7) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles.
Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory.
Source: State departments of insurance, Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association. |
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