As you go down the list, you will notice that driving without insurance is against the law in almost every state. Make sure you have met the minimum requirements in your state before you drive.
What Is Minimum Car Insurance?
If you own a car, you will need car insurance that meets the laws in your state. Each state is different, which is why it is vital to confirm the laws where you live. You can also contact your company if you have questions. Four basic types of coverage may be in your state’s laws. You may need bodily injury liability, defined per person as well as per accident. States might order you to have property damage liability (also per accident). State laws might also call for personal injury protection (per person and per accident). One of the most common laws is uninsured or underinsured motorist protection that covers you and your car, per person, per accident. Car insurance liability coverages may be given in a series of numbers, which state the amounts covered for injury per person, accident, and total damages. For example, you might see $20,000/$40,000/$15,000, or 20/40/15. This provides bodily injury liability of $20,000 per person and $40,000 per accident, and property damage liability would be $15,000 per accident.
Do All States Require Car Insurance?
Nearly all states require some level of car insurance. However, there are some special cases. For instance, New Hampshire does not mandate that you buy car insurance to drive. It does require that you can pay anyone you injure as a result of your driving. You’ll also need to pay for any property damage you cause. This means you’ll need a large savings account if you don’t have insurance. If you do buy a policy, New Hampshire law requires you to carry 25/50/25. Virginia, too, offers a second approach. Virginia drivers must either maintain a minimum of 25/50/20 or pay an uninsured motor vehicle (UMV) fee of $500. If they fail to carry insurance and fail to pay the (UMV) fee, they’ll lose their driving privileges.
Minimums by State
Here’s each state’s car insurance mandates.
Alabama
Bodily injury liability: $25,000 per person/$50,000 maximum per accidentProperty damage liability: $25,000 per accident
Alaska
Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability: $25,000 per accident
Arizona
Bodily injury liability: $25,000 per person/$50,000 two or more peopleProperty damage liability: $15,000 per accident
Arkansas
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
California
Bodily injury liability: $15,000 per person Property damage liability: $5,000 per accident Bodily injury/death liability to more than one person: $30,000
Colorado
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident
Connecticut
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
Delaware
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentPersonal Injury Protection: A minimum of $15,000 for any one person and $30,000 for all persons injured in any one accident
Florida
Property damage liability: $10,000Personal injury protection: $10,000
Georgia
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Hawaii
Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $10,000 per accidentPersonal injury protection: $10,000
Idaho
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident
Illinois
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accident
Indiana
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Iowa
Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $15,000 per accident
Kansas
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $4,500 per person in medical expenses, up to $900 per month for disability or loss of income, $25 per day for in-home services; $4,500 for rehabilitation; $2,000 for funeral, burial, or cremation costs
Kentucky
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentPersonal injury protection: $10,000
Louisiana
Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $25,000 per accident
Maine
Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $50,000 per person/$100,000 per accidentMedical payments coverage: $2,000
Maryland
Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $15,000 per accident
Massachusetts
Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $5,000 per accidentUninsured motorist coverage: $20,000 per person/$40,000 per accidentPersonal injury protection: $8,000
Michigan
Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability for accidents in another state: $10,000Personal injury protection: $250,000 (lower options or opt-out available for Medicare and Medicaid enrollees)
Minnesota
Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $25,000 per personUninsured/underinsured motorist coverage: $50,000 per accidentPersonal injury protection: $40,000
Mississippi
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Missouri
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accident
Montana
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident
Nebraska
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Nevada
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident
New Hampshire
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentUninsured/underinsured motorist property damage coverage: $25,000Medical payments coverage: $1,000
New Jersey
Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $5,000 per accidentUninsured motorist bodily injury: $15,000
New Mexico
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accident
New York
Bodily injury liability: $25,000 per person/$50,000 for a death per accidentProperty damage liability: $10,000 per accidentLiability for death: $50,000 per person/$100,000 liability per accident for two or more peoplePersonal injury protection: $50,000Uninsured motorist coverage: $25,000 per person/$50,000 per accident
North Carolina
Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage per person: $30,000/$60,000 per accidentUninsured motorist property damage coverage: $25,000 per accident
North Dakota
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $30,000
Ohio
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Oklahoma
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
Oregon
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $15,000
Pennsylvania
Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $5,000 per accidentMedical benefit: $5,000
Rhode Island
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident
South Carolina
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accidentUninsured motorist property damage coverage: $25,000
South Dakota
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
Tennessee
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident
Texas
Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $25,000 per accident
Utah
Bodily injury liability: $25,000 per person/$65,000 per accidentProperty damage liability: $15,000 per accident
Vermont
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accidentUninsured/underinsured motorist property damage coverage: $10,000 per accident
Virginia
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident
Washington
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accident
Washington, D.C.
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $20,000 per person/$50,000 per accidentUninsured/underinsured motorist property damage coverage: $5,000 per accident
West Virginia
Bodily injury liability: $20,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $25,000 per person
Wisconsin
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured motorist coverage: $25,000 per personUninsured motorist coverage: $50,000 per accident
Wyoming
Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident