How much car insurance is required in each state?

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Almost every state requires motorists have car insurance — for the good, the bad and the weird. Unfortunately for those looking for easy answers, each one of those states has a different minimum amount of insurance needed. 

Some require just liability insurance, which covers bodily injury (BI) and property damage (PD) you do to someone else. Some require extra medical coverage or what’s often known as personal injury protection (PIP), which covers health care bills you or your passengers incur. And some require uninsured and/or underinsured motorist insurance, which cover you if you get into an accident with someone who has no-or-limited coverage of their own.

Collision and comprehensive coverage, which cover damage to your vehicle on or off the road, are optional everywhere, but that doesn’t mean you shouldn’t carry any.

If you’re confused, there’s good news: You really only have to worry about the requirements where you live, so you can jump to your home state and make sure your coverage fits the mandatory minimums. 

So we took a look at individual state insurance and DMV offices to find out how much auto insurance is required in all 50 states. 

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Alabama

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: Sean Pavone.

Alaska

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $50,000
  • Bodily injury liability coverage per accident: $100,000
  • Property damage liability coverage: $25,000
    Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: Chilkoot.

Arizona

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $15,000
  • Bodily injury liability coverage per accident: $30,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Arkansas

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Notes: Arkansas also requires car insurance companies to offer a PIP policy with a minimum limit of $5,000. Drivers can choose to reject this coverage.

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California

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $15,000
  • Bodily injury liability coverage per accident: $30,000
  • Property damage liability coverage: $5,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Notes: California also helps low-income drivers who otherwise would not procure car insurance get a policy through the California Automobile Assigned Risk Plan. The minimum liability limits for one of these policies is 15/30/5.

Image Credit: Art Wager.

Colorado

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Connecticut

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

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Delaware

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: $15,000 per person: $30,000 per accident
  • Uninsured/underinsured motorist coverage: Optional

Notes: The BI and PD minimums are effective as of December 13, 2017. Worried about if current events affecting your rates? Learn what to do if tariffs make your insurance more expensive

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District of Columbia

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 BI per person; $50,000 BI per accident and $5,000 PD per accident

Image Credit: Sean Pavone.

Florida

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: Optional, unless otherwise specified by the state ($10,000)
  • Bodily injury liability coverage per accident: Optional, unless otherwise specified by the state ($20,000)
  • Property damage liability coverage: $10,000
  • Personal injury protection: $10,000
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: RyanJLane.

Georgia

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: SeanPavonePhoto.

Hawaii

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $40,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: $10,000
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: Art Wager.

Idaho

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Illinois

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

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Indiana

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Notes: Indiana specifies insurers include UM/UMI at $25,000 per person and $50,000 per accident unless it is expressly rejected in writing.

Image Credit: f11photo.

Iowa

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $40,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: JoeChristensen.

Kansas

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: $4,500 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Image Credit: Michael Pham.

Kentucky

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: $10,000 per accident
  • Uninsured/underinsured motorist coverage: Optional, but Kentucky specifies the insurer include UM/UMI at $25,000 per person and $50,000 per accident unless you expressly reject it in writing.

Image Credit: Thomas Kelley.

Louisiana

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $15,000
  • Bodily injury liability coverage per accident: $30,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: DenisTangneyJr.

Maine

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $50,000
  • Bodily injury liability coverage per accident: $100,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: While not technically PIP since it applies solely to medical expenses, Maine requires motorists to carry $2,000 in coverage for any injuries they or their passengers incur.
  • Uninsured/underinsured motorist coverage: $50,000 per person; $100,000 per accident

Image Credit: DenisTangneyJr.

Maryland

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $30,000
  • Bodily injury liability coverage per accident: $60,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: $2,500 per incident
  • Uninsured/underinsured motorist coverage: $30,000 per person; $60,000 per incident; and $15,000 in PD coverage

Image Credit: James_Lane.

Massachusetts

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $40,000
  • Property damage liability coverage: $5,000
  • Personal injury protection: $8,000 per person in accident
  • Uninsured/underinsured motorist coverage: $20,000 per person; $40,000 per incident.

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Michigan

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $20,000
  • Bodily injury liability coverage per accident: $40,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Amount varies depending on health insurance (see notes)
  • Uninsured/underinsured motorist coverage: Optional

Notes: Michigan requires drivers to carry PIP coverage, though the exact amount required depends on the type and amount of health insurance coverage they have. Michigan also requires property protection insurance (PPI), with a minimum limit of $1 million in property damage coverage. PPI can cover damages regardless of who caused the accident, as Michigan is a no fault state.

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Minnesota

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $30,000
  • Bodily injury liability coverage per accident: $60,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: $20,000 per accident; $20,000 for loss of income per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Image Credit: JoeChristensen.

Mississippi

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Missouri

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per incident

Notes: Missouri drivers can comply with these rules without buying car insurance – drivers can instead submit proof of financial responsibility to the Department of Revenue. However, insurance is a much more common and cheaper way to comply with these rules.

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Montana

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: Optional
    Uninsured/underinsured motorist coverage: Optional

Notes: Insurers have to offer uninsured/underinsured motorist coverage but it can be declined by the driver in writing.

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Nebraska

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
    Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

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Nevada

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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New Hampshire

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: Legally optional, but, if purchased, $25,000
  • Bodily injury liability coverage per accident: Legally optional, but, if purchased, $50,000
  • Property damage liability coverage: Legally optional, but, if purchased, $25,000
  • Personal injury protection: Legally optional, but, if purchased, $1,000 per accident for medical expenses solely.
  • Uninsured/underinsured motorist coverage: Legally optional, but, if purchased, must match your liability limits.

Notes: New Hampshire doesn’t mandate drivers carry car insurance. However, motorists are still responsible for paying for bodily injury and property damages if they cause a car accident. (The easiest way to do this? Insurance.) And, if you do choose to buy car insurance in New Hampshire, you must meet the minimums above. If you can’t afford to buy car insurance, you may get coverage through the New Hampshire Automobile Insurance Plan.

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New Jersey

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $15,000 (Standard)
  • Bodily injury liability coverage per accident: $30,000 (Standard)
  • Property damage liability coverage: $5,000 (Basic/Standard)
  • Personal injury protection: $15,000 per accident, plus up to $250,000 for severe injuries for a standard policy (Basic/Standard)
  • Uninsured/underinsured motorist coverage: Must match liability limits if purchasing a standard policy

Notes: New Jersey mandates motorists carry Basic or Standard policy. The Basic Policy, a result of the Automobile Insurance Cost Reduction Act, costs less but provides limited coverage (with no bodily injury liability available).

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New Mexico

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
    Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Need more room in your budget for your auto insurance? Here are some tips on how to save on rent in New York.

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New York

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: $50,000 per person
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Notes: New York also requires motorists carry wrongful death coverage, with minimum limits of $50,000 for one death per accident and $100,000 for multiple deaths per accident.

Image Credit: Frederic Prochasson.

North Carolina

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $30,000
  • Bodily injury liability coverage per accident: $60,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Must match highest BI minimum ($60,000 per accident)

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North Dakota

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: $30,000 per person
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

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Ohio

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Oklahoma

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Oregon

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: $15,000 per person
  • Uninsured/underinsured motorist coverage: Equal to the state’s liability minimums ($25,000 per person and $50,000 per accident)

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Pennsylvania

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $15,000
  • Bodily injury liability coverage per accident: $30,000
  • Property damage liability coverage: $5,000
  • Personal injury protection: $5,000 per person in medical benefit coverage
  • Uninsured/underinsured motorist coverage: Optional

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Rhode Island

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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South Carolina

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Coverage must equal liability limits ($25,000 per person and $50,000 per accident)

Image Credit: SeanPavonePhoto.

South Dakota

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 person incident

Image Credit: RiverNorthPhotography.

Tennessee

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

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Texas

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $30,000
  • Bodily injury liability coverage per accident: $60,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: DenisTangneyJr.

Utah

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $65,000
  • Property damage liability coverage: $15,000
  • Personal injury protection: $3,000 per person
  • Uninsured/underinsured motorist coverage: Optional

Notes: Utah drivers can choose a single bodily injury + property damage coverage option of $80,000.

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Vermont

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $50,000 per person; $100,000 per accident; and $10,000 PD

Image Credit: ” DonLand”.

Virginia

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Coverage must match your liability limits, so $25,000 per person and $50,000 per incident

Notes: In lieu of car insurance, you can pay the Virginia DMV a fee of $500 to drive uninsured. This will not protect you financially, and if you cause a car accident, you are financially responsible for all bodily injuries and property damage that you cause.

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Washington

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Image Credit: 4nadia.

West Virginia

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $25,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Coverage must equal liability coverage ($25,000 per person and $40,000 per accident). But there’s also a state maximum of 100/300/50.

Image Credit: ” Chayanisa Puttamata”.

Wisconsin

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $10,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Image Credit: FierceAbin.

Wyoming

How much car insurance is required in each state?

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage: $20,000
  • Personal injury protection: Optional
  • Uninsured/underinsured motorist coverage: Optional

Now that you know how much is required in each state, be sure to check out this step-by-step guide that explains how to buy a car insurance policy.

This article originally appeared on Policygenius and was syndicated by MediaFeed.org.

Image Credit: AnujSahaiPhotography.

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