| AUTOMOBILE FINANCIAL RESPONSIBILITY LIMITS BY STATE |
|
| State |
Insurance required |
Minimum liability limits (1) |
| Alabama |
BI & PD Liab |
25/50/25 |
| Alaska |
BI & PD Liab |
50/100/25 |
| Arizona |
BI & PD Liab |
15/30/10 |
| Arkansas |
BI & PD Liab, PIP |
25/50/25 |
| California |
BI & PD Liab |
15/30/5 (2) |
| Colorado |
BI & PD Liab |
25/50/15 |
| Connecticut |
BI & PD Liab, UM, UIM |
20/40/10 |
| Delaware |
BI & PD Liab, PIP |
15/30/10 |
| D.C. |
BI & PD Liab, UM |
25/50/10 |
| Florida |
PD Liab, PIP |
10/20/10 (3) |
| Georgia |
BI & PD Liab |
25/50/25 |
| Hawaii |
BI & PD Liab, PIP |
20/40/10 |
| Idaho |
BI & PD Liab |
25/50/15 |
| Illinois |
BI & PD Liab, UM |
20/40/15 |
| Indiana |
BI & PD Liab |
25/50/10 |
| Iowa |
BI & PD Liab |
20/40/15 |
| Kansas |
BI & PD Liab, PIP, UM |
25/50/10 |
| Kentucky |
BI & PD Liab, PIP |
25/50/10 |
| Louisiana |
BI & PD Liab |
15/30/25 |
| Maine |
BI & PD Liab, UM, UIM |
50/100/25 (4) |
| Maryland |
BI & PD Liab, PIP (5), UM, UIM |
20/40/15 |
| Massachusetts |
BI & PD Liab, PIP, UM |
20/40/5 |
| Michigan |
BI & PD Liab, PIP |
20/40/10 |
| Minnesota |
BI & PD Liab, PIP, UM, UIM |
30/60/10 |
| Mississippi |
BI & PD Liab |
25/50/25 |
| Missouri |
BI & PD Liab, UM |
25/50/10 |
| Montana |
BI & PD Liab |
25/50/10 |
| Nebraska |
BI & PD Liab |
25/50/25 |
| Nevada |
BI & PD Liab |
15/30/10 |
| New Hampshire |
FR only, UM |
25/50/25 (4) |
| New Jersey |
BI & PD Liab, PIP, UM, UIM |
15/30/5 (6) |
| New Mexico |
BI & PD Liab |
25/50/10 |
| New York |
BI & PD Liab, PIP, UM |
25/50/10 (7) |
| North Carolina |
BI & PD Liab, UM, UIM |
30/60/25 |
| North Dakota |
BI & PD Liab, PIP, UM, UIM |
25/50/25 |
| Ohio |
BI & PD Liab |
12.5/25/7.5 |
| Oklahoma |
BI & PD Liab |
25/50/25 |
| Oregon |
BI & PD Liab, PIP, UM |
25/50/10 |
| Pennsylvania |
BI & PD Liab, PIP |
15/30/5 |
| Rhode Island |
BI & PD Liab, UM (8) |
25/50/25 (8) |
| South Carolina |
BI & PD Liab, UM |
25/50/25 |
| South Dakota |
BI & PD Liab, UM |
25/50/25 |
| Tennessee |
BI & PD Liab |
25/50/15 (3) |
| Texas |
BI & PD Liab |
25/50/25* |
| Utah |
BI & PD Liab, PIP |
25/65/15 (3) |
| Vermont |
BI & PD Liab |
25/50/10 |
| Virginia |
BI & PD Liab, UM, UIM |
25/50/20 |
| Washington |
BI & PD Liab |
25/50/10 |
| West Virginia |
BI & PD Liab, UM |
20/40/10 |
| Wisconsin |
BI & PD Liab**, UM, UIM, Med |
50/100/55 |
| Wyoming |
BI & PD Liab |
25/50/20 |
(1) The first two numbers refer to bodily injury liability limits and the third number to property 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) In addition, policyholders must also carry at least $1,000 for medical payments.
(5) May be waived for the policyholder but is compulsory for passengers.
(6) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverge not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy.
(7) In addition, policyholders must have 50/100 for wrongful death coverage.
(8) Policyholders can decline to purchase uninsured coverage if he or she chooses to buy only the minimum limits of bodily injury and property damage liability coverage.
*Minimum coverage requirements will increase to 30/60/30 on January 1, 2011.
**Effective June 1, 2010.
Source: Property Casualty Insurers Association of America; state departments of insurance.
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