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Liability Requirements By State
State
State Requirements
Liability
PIP
Uninsured Motorist
No-Fault
Liability Minimums*
Comments
Alabama
Y
N
N
N
20/40/10
Alaska
Y
N
N
N
50/100/25
Arizona
Y
N
N
N
15/30/10
Arkansas
Y
Y
N
N
25/50/25
California
Y
N
N
N
15/30/5
Low-cost policy limits for drives in the California Automobile Assigned Risk Plan are 10/20/3
Colorado
Y
N
N
N
25/50/15
Connecticut
Y
N
Y
N
20/40/10
Delaware
Y
Y
N
N
15/30/10
Florida
Y
Y
N
Y
10/20/10
Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
Georgia
Y
N
N
N
25/50/25
Hawaii
Y
Y
Y
N
20/40/10
Idaho
Y
JN
N
Y
25/50/15
Illinois
Y
N
Y
N
20/40/15
Indiana
Y
N
N
N
25/50/10
Iowa
Y
N
N
N
20/40/15
Kansas
Y
Y
Y
Y
25/50/10
Kentucky
Y
Y
Y
N
25/50/10
Louisiana
Y
N
N
N
10/20/10
Maine
Y
N
Y
N
50/100/25
Policyholders must additionally carry $1,000 for medical payments.
Maryland
Y
Y
Y
N
20/40/15
PIP may be waived for the policyholder, but it is required for passengers.
Massachusetts
Y
Y
Y
Y
20/40/5
Michigan
Y
Y
N
Y
20/40/10
Minnesota
Y
Y
Y
Y
30/60/10
Mississippi
Y
N
N
N
25/50/25
Missouri
Y
N
Y
N
25/50/10
Montana
Y
N
N
N
25/50/10
Nebraska
Y
N
N
N
25/50/25
Nevada
Y
N
N
N
15/30/10
New Hampshire
N
N
Y
N
25/50/25
New Jersey
Y
Y
Y
Y
15/30/5
Policyholders may choose a basic policy with limits of 10/10/5. UM/UIM coverage is not available under a basic policy, but UIM is required under a standard policy.
New Mexico
Y
N
N
N
25/50/10
New York
Y
Y
Y
Y
25/50/10
Policyholders must additionally carry 50/100 wrongful death coverage.
North Carolina
Y
N
N
N
30/60/25
North Dakota
Y
Y
Y
Y
25/50/25
Ohio
Y
N
N
N
12.5/25/7.5
Oklahoma
Y
N
N
N
25/50/25
Oregon
Y
Y
Y
N
25/50/10
Pennsylvania
Y
Y
N
Y
15/30/5
Rhode Island
Y
N
Y
N
25/50/25
Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
South Carolina
Y
N
Y
N
25/50/25
South Dakota
Y
N
Y
N
25/50/25
Tennessee
Y
N
N
N
25/50/10
Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
Texas
Y
N
N
N
25/50/25
Utah
Y
Y
N
Y
25/50/15
Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
Vermont
Y
N
Y
N
25/50/10
Virginia
Y
Y
Y
N
25/50/20
Washington
Y
N
N
N
25/50/10
Washington D.C.
Y
N
Y
N
25/50/10
West Virginia
Y
N
Y
N
20/40/10
Wisconsin
N
N
Y
N
25/50/10
Wyoming
Y
N
N
N
25/50/20
* Liability Minimums: aa/bb/cc
aa = Bodily Injury Coverage per Person
bb = Bodily Injury Coverage per Accident
cc = Property Damage Coverage
Note that this information is provided as a general guideline. For the actual state requirements, talk to your carrier or your state insurance commission.
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