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Required Auto Insurance Coverage State by State 
 
by VWB June 24, 2005

When it’s time to purchase or renew your auto insurance, protect yourself by knowing what you are required to have. Below you will find some of the options available to you as well as a list of requirements by state.

When you and your family buckle up, you want to be sure that you have the best protection possible. To that end, a dizzying number of auto insurance types have popped up, all with different companies offering different details on what is included under coverage and how much they charge for premiums.

Before you get frustrated, make sure that you have the minimum requirements at least. There are certain kinds and dollar amounts of insurance that are required by law. Every state requires different kinds of insurance and different amounts of each. One type that almost every state requires is liability insurance.

Liability Insurance

Liability insurance is the most important car insurance and is required for drivers in most states. It covers you against costs incurred by damage and injury to the other party in an accident that’s your fault.

Liability insurance is comprised of two parts, bodily injury liability and property damage liability. As you might guess from the names, bodily injury liability covers the costs of injury to the persons you hit in an accident and property damage liability covers the damage to their vehicle (and in some cases, property in the car ruined during the accident).

Split Limits

Most auto insurance liability policies are named with three numbers. These numbers are called the split limits. If the split limits are 75/125/50 on your policy, then you would be covered for up to $75,000 in damages for bodily injury you cause another person, $125,000 in damages for any bodily injuries endured, and $50,000 for coverage of damage to property.

The amount of coverage required depends on your state’s auto insurance requirements. The requirements for each state are listed below.

Medical Payments Insurance

This auto insurance policy is beneficial because no matter who is at fault in an accident, you and your family (and all passengers in your car) are covered for bodily injury. Coverage is immediate, after the car accident. There are a variety of different policies available within the medical payments insurance group. Some may even compensate you and other passengers for wages or services lost due to injury caused by the accident.

Personal Injury Protection

Personal injury protection, or PIP, is like medical payments insurance but generally offers more coverage. In addition to immediate medical coverage of all passengers in your car despite fault, most PIP auto insurance policies offer lost wages, funeral expenses, as well as coverage for pain and suffering.

‘No fault’ is the term describing the states who require PIP policies. Included on the states list below are the states who are no fault and those who are not.

Underinsured and Uninsured Motorist Insurance

These types of auto insurance offer coverage for any injury caused by an auto accident where the driver at fault doesn’t have enough liability coverage. Often grouped together, they are actually two different insurance policies.

Uninsured motorist insurance covers you when the other driver has no liability coverage.

Underinsured motorist coverage covers the cost of your injuries that exceed the other driver's coverage maximum amount.

State requirements vary – some want all drivers to have both, others just one or the other, and most don’t want either one. Check below for your state’s requirements. Even if your state doesn’t require either one, consider investing anyway. A little extra coverage never hurt anyone.

State Requirements for Auto Insurance Coverage

Below you will find each state in alphabetical order. Directly beneath each ones are the required insurance policies, the split limits, and whether or not they require no fault coverage. The split limits are in denominations of thousands of dollars. ‘No’ indicates that the state does not require no fault coverage. ‘Yes’ indicates that they do.

Alabama

Bodily injury and property damage liability

20/40/10

NO

Alaska

Bodily injury and property damage liability

50/100/25

NO

Arizona

Bodily injury and property damage liability

15/30/10

NO

Arkansas

Bodily injury and property damage liability

25/50/25

NO

California

Bodily injury and property damage liability

15/30/5

NO

Colorado

Bodily injury and property damage liability

25/50/15

NO

Connecticut

Bodily injury and property damage liability, uninsured motorist

20/40/10

NO

Delaware

Bodily injury and property damage liability, personal injury protection

15/30/10

NO

Washington DC

Bodily injury and property damage liability, uninsured motorist

25/50/10

YES

Florida

Property damage liability, personal injury protection

10/20/10

YES

Georgia

Bodily injury and property damage liability

25/50/25

NO

Hawaii

Bodily injury and property damage liability, personal injury protection

20/40/10

YES

Idaho

Bodily injury and property damage liability

25/50/15

NO

Illinois

Bodily injury and property damage liability, uninsured motorist

20/40/15

NO

Indiana

Bodily injury and property damage liability

25/50/10

NO

Iowa

Bodily injury and property damage liability

20/40/15

NO

Kansas

Bodily injury and property damage liability, personal injury protection

25/50/10

YES

Kentucky

Bodily injury and property damage liability, personal injury protection

25/50/10

YES

Louisiana

Bodily injury and property damage liability

10/20/10

NO

Maine

Bodily injury and property damage liability, uninsured motorist

50/100/25

NO

Maryland

Bodily injury and property damage liability, uninsured and underinsured motorist

20/40/15

NO

Massachusetts

Bodily injury and property damage liability, personal injury protection, uninsured motorist

20/40/5

YES

Michigan

Bodily injury and property damage liability, personal injury protection

20/40/10

YES

Minnesota

Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist

30/60/10

YES

Mississippi

Bodily injury and property damage liability

10/20/5

NO

Missouri

Bodily injury and property damage liability, uninsured motorist

25/50/10

NO

Montana

Bodily injury and property damage liability

25/50/10

NO

Nebraska

Bodily injury and property damage liability, uninsured and underinsured motorist

25/50/25

NO

Nevada

Bodily injury and property damage liability

15/30/10

NO

New Hampshire

Proof of financial responsibility, medical payments, uninsured motorist

25/50/25

NO

New Jersey

Bodily injury and property damage liability, personal injury protection, uninsured motorist

15/30/5

YES

New Mexico

Bodily injury and property damage liability

25/50/10

NO

New York

Bodily injury and property damage liability, uninsured motorist, personal injury protection

25/50/10

YES

North Carolina

Bodily injury and property damage liability

30/60/25

NO

North Dakota

Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist

25/50/25

YES

Ohio

Bodily injury and property damage liability

12.5/25/7.5

NO

Oklahoma

Bodily injury and property damage liability

10/20/10

NO

Oregon

Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist

25/50/10

NO

Pennsylvania

Bodily injury and property damage liability, medical payments

15/30/5

YES

Rhode Island

Bodily injury and property damage liability

25/50/25

NO

South Carolina

Bodily injury and property damage liability, uninsured motorist

15/30/10

NO

South Dakota

Bodily injury and property damage liability, uninsured motorist

25/50/25

NO

Tennessee

Proof of financial responsibility

25/50/10

NO

Texas

Bodily injury and property damage liability

20/40/15

NO

Utah

Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist

25/50/15

YES

Vermont

Bodily injury and property damage liability, uninsured motorist

25/50/10

NO

Virginia

Bodily injury and property damage liability, uninsured and underinsured motorist

25/50/20

NO

Washington

Bodily injury and property damage liability

25/50/10

NO

West Virginia

Bodily injury and property damage liability, uninsured motorist

20/40/10

NO

Wisconsin

Proof of financial responsibility, uninsured motorist

25/50/10

NO

Wyoming

Bodily injury and property damage liability

25/50/20

NO


 




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