A state may require five different types of insurance coverage. Except for Florida, every state requires bodily injury liability insurance (BI), and all 50 states and Washington, D.C. require property damage liability insurance (PD).
Approximately half of the states require some form of uninsured/underinsured motorist coverage (UIM). Finally, only a few states mandate personal injury protection (PIP) or a similar type of first-party benefit insurance.
These basic coverages are considered the state minimum, and are usually the cheapest option for car insurance.
|
State |
BI |
PD |
UIM BI |
UIM PD |
|
Alabama |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Alaska |
$50,000 per person/ $100,000 per accident |
$25,000 per accident |
None |
None |
|
Arizona |
$25,000 per person/ $50,000 per accident |
$15,000 per accident |
None |
None |
|
Arkansas |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
California |
$15,000 per person/ $30,000 per accident |
$5,000 per accident |
None |
None |
|
Colorado |
$25,000 per person/ $50,000 per accident |
$15,000 per accident |
None |
None |
|
Connecticut† |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Delaware |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
None |
None |
|
Florida |
None |
$10,000 per accident |
None |
None |
|
Georgia |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Hawaii |
$20,000 per person/ $40,000 per accident |
$10,000 per accident |
None |
None |
|
Idaho |
$25,000 per person/ $50,000 per accident |
$15,000 per accident |
None |
None |
|
Illinois |
$25,000 per person/ $50,000 per accident |
$20,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Indiana |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Iowa |
$20,000 per person/ $40,000 per accident |
$15,000 per accident |
None |
None |
|
Kansas† |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Kentucky |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Louisiana |
$15,000 per person/ $30,000 per accident |
$25,000 per accident |
None |
None |
|
Maine |
$50,000 per person/ $100,000 per accident |
$25,000 per accident |
$50,000 per person/ $100,000 per accident |
None |
|
Maryland |
$30,000 per person/ $60,000 per accident |
$15,000 per accident |
$30,000 per person/ $60,000 per accident |
$15,000 |
|
Massachusetts |
$20,000 per person/ $40,000 per accident |
$5,000 per accident |
$20,000 per person/ $40,000 per accident |
None |
|
Michigan*** |
$50,000 per person/ $100,000 per accident |
$10,000 per accident |
None |
None |
|
Minnesota† |
$30,000 per person/ $60,000 per accident |
$10,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Mississippi |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Missouri |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Montana |
$25,000 per person/ $50,000 per accident |
$20,000 per accident |
None |
None |
|
Nebraska |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Nevada |
$25,000 per person/ $50,000 per accident |
$20,000 per accident |
None |
None |
|
New Hampshire^† |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
|
New Jersey |
$15,000 per person/ $30,000 per accident |
$5,000 per accident |
$15,000 per person/ $30,000 per accident |
None |
|
New Mexico |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
None |
None |
|
New York^^ |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
North Carolina |
$30,000 per person/ $60,000 per accident |
$25,000 per accident |
$30,000 per person/ $60,000 per accident |
$25,000 |
|
North Dakota† |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Ohio |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Oklahoma |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
Oregon |
$25,000 per person/ $50,000 per accident |
$20,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Pennsylvania |
$15,000 per person/ $30,000 per accident |
$5,000 per accident |
None |
None |
|
Rhode Island |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
None |
None |
|
South Carolina |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
|
South Dakota† |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Tennessee |
$25,000 per person/ $50,000 per accident |
$15,000 per accident |
None |
None |
|
Texas |
$30,000 per person/ $60,000 per accident |
$25,000 per accident |
None |
None |
|
Utah |
$25,000 per person/ $65,000 per accident |
$15,000 per accident |
None |
None |
|
Vermont† |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
$50,000 per person/ $100,000 per accident |
$10,000 per accident |
|
Virginia |
$30,000 per person/ $60,000 per accident |
$20,000 per accident |
$30,000 per person/ $60,000 per accident |
$20,000 |
|
Washington |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
None |
None |
|
Washington, D.C.† |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
$25,000 per person/ $50,000 per accident |
$5,000 per accident |
|
West Virginia |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
$25,000 per person/ $50,000 per accident |
$25,000 per accident |
|
Wisconsin |
$25,000 per person/ $50,000 per accident |
$10,000 per accident |
$25,000 per person/ $50,000 per accident |
None |
|
Wyoming |
$25,000 per person/ $50,000 per accident |
$20,000 per accident |
None |
None |
Which States Do Not Require Auto Insurance?
Only a few states do not require drivers to have car insurance.
New Hampshire: Drivers in New Hampshire only need to demonstrate their ability to pay for damage caused by a car accident. There is no specific amount listed, but drivers who are required to obtain insurance must purchase a policy with limits of 25/50/25, so the “financial responsibility” amount should be in that range. After a major violation, such as a DUI or an accident, the state can force drivers to obtain insurance.
Virginia: Residents can pay a “uninsured motorist fee” of approximately $500 per year. However, paying this fee instead of getting insurance leaves you completely exposed in the event of an accident. Virginians should choose minimum coverage because it costs roughly the same as the fee for the majority of drivers.
Furthermore, many states allow you to self-insure with a cash deposit or bond rather than carrying car insurance. However, the required deposit ranges from $25,000 to more than $115,000, leaving you with few other protections — for example, you’re on your own to negotiate claims with other drivers. Most drivers should avoid taking this route.
Should I Get Full-Coverage or Minimum-Coverage Auto Insurance?
Drivers should only carry the minimum necessary of coverage if they cannot afford higher limits or have few assets. Car accidents are costly, and your out-of-pocket expenses could be significant if you do not have adequate insurance. The average hospital visit for a car accident costs $61,000, and one out of every eight liability claims exceeds $1 million.
If you are in a serious car accident but have low insurance limits, another driver, pedestrian, or property owner may seek to recover damages from your savings accounts, future earnings, and other property.
A general rule of thumb for liability insurance is that if you have more than $100,000 in assets and frequently engage in risky activities, you may benefit from purchasing an umbrella policy to supplement your protection.
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