Minimum Car Insurance Limits May Not Be Enough to Protect You
We will educate you on your insurance policy, its limits, and potential loopholes; to help you receive a fair settlement.
State Car Insurance Minimums
Key:
BDL: Bodily Injury Liability
PDL: Property Damage Liability
MPC: Medical Payment Coverage
UM/UIM: Uninsured Motorist/Underinsured Motorist Coverage
PP: Per Person
PA: Per Accident
| State | BDL PP | BDL PA | PDL | PIP | MPC | UM/UIM PP | UM/UIM PA | UM/UIM PDL |
|---|---|---|---|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | |||||
| Alaska | 50,000 | 100,000 | 25,000 | |||||
| Arizona | 15,000 | 30,000 | 10,000 | |||||
| Arkansas | 15,000 | 30,000 | 10,000 | |||||
| California | 15,000 | 30,000 | 5,000 | |||||
| Colorado | $25,000 | $50,000 | $15,000 | |||||
| Connecticut | $20,000 | $40,000 | $25,000 | $25,000 | $50,000 | |||
| Delaware | $15,000 | $25,000 | $10,000 | |||||
| Florida | $10,000 | $10,000 | ||||||
| Georgia | $25,000 | $50,000 | $25,000 | |||||
| Hawaii | $20,000 | $40,000 | $10,000 | $10,000 | ||||
| Idaho | $25,000 | $50,000 | $15,000 | |||||
| Illinois | $25,000 | $50,000 | $20,000 | $25,000 | $50,000 | |||
| Indiana | $25,000 | $50,000 | $25,000 | |||||
| Iowa | $20,000 | $40,000 | $15,000 | |||||
| Kansas | $25,000 | $50,000 | $10,000 | $4,500 | $25,000 | $50,000 | ||
| Kentucky | $25,000 | $50,000 | $25,000 | $10,000 | ||||
| Louisiana | $15,000 | $30,000 | $25,000 | |||||
| Maine | $50,000 | $100,000 | $25,000 | $2,000 | $50,000 | $100,000 | ||
| Maryland | $30,000 | $60,000 | $15,000 | |||||
| Massachusetts | $20,000 | $40,000 | $5,000 | $8,000 | $20,000 | $40,000 | ||
| Michigan | $20,000 | $40,000 | $10,000 | Unlimited | ||||
| Minnesota | $30,000 | $60,000 | $10,000 | $40,000 | $25,000 | $50,000 | ||
| Mississippi | $25,000 | $50,000 | $25,000 | |||||
| Missouri | $25,000 | $50,000 | $10,000 | $25,000 | $50,000 | |||
| Montana | $25,000 | $50,000 | $20,000 | |||||
| Nebraska | $25,000 | $50,000 | $25,000 | $25,000 | $50,000 | |||
| Nevada | $25,000 | $50,000 | $20,000 | |||||
| New Hampshire | $25,000 | $50,000 | $25,000 | $1,000 | $25,000 | $50,000 | $25,000 | |
| New Jersey | $15,000 | $30,000 | $5,000 | $15,000 | ||||
| New Mexico | $25,000 | $50,000 | $10,000 | |||||
| New York | $25,000 | $50,000 | $10,000 | $50,000 | $50,000 | $25,000 | $50,000 | |
| North Carolina | $30,000 | $60,000 | $25,000 | $30,000 | $60,000 | $25,000 | ||
| North Dakota | $25,000 | $50,000 | $25,000 | $30,000 | $25,000 | $50,000 | ||
| Ohio | $25,000 | $50,000 | $25,000 | |||||
| Oklahoma | $25,000 | $50,000 | $25,000 | |||||
| Oregon | $25,000 | $50,000 | $20,000 | $15,000 | $25,000 | $50,000 | ||
| Pennsylvania | $15,000 | $30,000 | $5,000 | $5,000 | ||||
| Rhode Island | $25,000 | $50,000 | $25,000 | |||||
| South Carolina | $25,000 | $50,000 | $25,000 | $25,000 | $50,000 | $25,000 | ||
| South Dakota | $25,000 | $50,000 | $25,000 | $25,000 | $50,000 | |||
| Tennessee | $25,000 | $50,000 | $15,000 | |||||
| Texas | $30,000 | $60,000 | $25,000 | |||||
| Utah | $25,000 | $65,000 | $15,000 | $3,000 | ||||
| Virginia | $25,000 | $50,000 | $20,000 | |||||
| Vermont | $25,000 | $50,000 | $10,000 | $50,000 | $100,000 | $10,000 | ||
| Washington | $25,000 | $50,000 | $10,000 | |||||
| Washington D.C. | $25,000 | $50,000 | $10,000 | $20,000 | $50,000 | $5,000 | ||
| West Virginia | $25,000 | $50,000 | $10,000 | $25,000 | ||||
| Wisconsin | $25,000 | $50,000 | $10,000 | $25,000 | $50,000 | |||
| Wyoming | $25,000 | $50,000 | $20,000 |
*In Arizona if you choose not to purchase insurance you will have to provide a $40,000 certificate of deposit to prove you can pay for accident damages.
*Car insurance is not mandatory in New Hampshire, but you are required to pay for any bodily injury or property damage caused by your operation of a vehicle that you own.
*Virginia law requires that all drivers have a way to pay for injuries or property damage resulting from a car accident, you don’t necessarily need car insurance.
