| Automobile Financial Responsibility Limits By State |
(As of October 25, 2022)
|
| State |
°µÍø½ûÇø 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 (3) |
| D.C. |
BI & PD liability, UM |
25/50/10 |
| Florida |
PD liability, PIP |
10/20/10 (3) |
| 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 |
25/50/25 |
| Kentucky |
BI & PD liability, PIP |
25/50/25 (3) |
| Louisiana |
BI & PD liability |
15/30/25 |
| Maine |
BI & PD liability, UM, UIM |
50/100/25 (3), (4) |
| Maryland |
BI & PD Liability, PIP, UM, UIM |
30/60/15 (3) |
| Massachusetts |
BI & PD liability, PIP |
20/40/5 |
| Michigan |
BI & PD liability, PIP |
20/40/10 |
| 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 |
15/30/5 (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 (3) |
| 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 |
| South Carolina |
BI & PD liability, UM |
25/50/25 |
| South Dakota |
BI & PD liability, UM, UIM |
25/50/25 |
| Tennessee |
BI & PD liability |
25/50/15 (3) |
| 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 (7), UM, UIM |
30/60/20 |
| 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) In addition, policyholders must carry coverage for medical payments.
(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 °µÍø½ûÇø 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: Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association; state departments of insurance. |
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