1. Money
Send to a Friend via Email

Car Insurance Requirements

State-by-State Minimum Requirements

By

State minimum insurance requirements are the car insurance requirements for each state, by law, for their residents. These minimum requirements for each state can be found at the state insurance commissioner's website. Although keeping up with the state mininimum requirements are all that is needed to keep one legal in their state for car insurance, only purchasing the state minimum insurance requirements is usually not the best choice.

Why Won't the Minimum State Insurance Requirements Cover Me?

This is a good question. It seems funny that each state legislature would set a minimum insurance requirement and then your insurance agent tells you that the minimum is not enough. But it is true and sometimes the changes it takes to put into law what is the best coverage for car insurance is a lengthy process and is often behind the economy changes. Let us look at an example:

Wyoming's state minimum insurance requirements are 25/50/20. The first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit. The first two numbers in 25/50/20 would mean in an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 people needing 25,000 then whoever files first gets first access to the 50,000 limit and you may be sued for the rest if the accident was your fault!). The last number refers to the total coverage per accident for property damage which in this case would be 20,000.

It is easy to see how these limits may not cover all the the liability and property damage needs. Now that you understand what the numbers mean, below is a listing of each state's minimum insurance requirements. Look up the state you live in and do the math to see if you feel comfortable with the minimum numbers. It does not cost much more to raise your car insurance limits and I would encourage you to contact your insurance agent to do just that if you find that you only have the minimum car insurance required by your state.

State-by-State Minimum Requirements


  • Alaska 50/100/25
  • Alabama 25/50/25
  • Arkansas 25/50/25
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/10
  • Florida 10/20/10
  • Georgia 25/50/25
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 15/30/25
  • Maine 50/100/25
  • Maryland 30/60/15
  • Massachusetts 20/40/5
  • Michigan 20/40/10
  • Minnesota 30/60/10
  • Mississippi 25/50/25
  • Missouri 25/50/10
  • Montana 25/50/10
  • Nebraska 25/50/25
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 25/50/25
  • Oregon 25/50/20
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 25/50/25
  • South Dakota 25/50/25
  • Tennessee 25/50/15
  • Texas 30/60/25
  • Utah 25/65/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 50/100/55
  • West Virginia 20/40/10
  • Wyoming 25/100/15
  1. About.com
  2. Money
  3. Personal Insurance
  4. Car Insurance
  5. Policy Basics
  6. State-by-State Minimum Car Insurance Requirements

©2014 About.com. All rights reserved.