Minimum Level of Auto Insurance Coverage Per State

Just about every state in America requires some form of car insurance. This is to make sure that you, as a driver, will have financial resources available to pay another driver should you be responsible for a car accident that results in damages to the other driver. All states will require minimum amounts of coverage, and these minimums will vary from state to state.

If you live in California, for example, you will face a host of minimum auto insurance coverage requirements. The state of California requires that everyone have auto insurance, and that this coverage meets the following minimum requirements: $15,000 for bodily injury to another person; $30,000 for the total number of people injured; and $5,000 for damage to property. In addition, some states require drivers to have Personal Injury Protection (PIP) coverage; No-Fault Coverage (designed to minimize fraud); and Uninsured Motorist protection.

Minimum levels of auto insurance coverage vary by state. In Alaska the minimum levels of auto insurance are quite high in comparison to other states – $50,000 for bodily injury to another person; $100,000 for bodily injury to all persons injured in an accident, and $25,000 for damage to property.

According to the Insurance Information Bureau, state-by-state minimums for bodily injury to one person, all injuries to all persons in an accident, and property damage are as follows:

Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California15/30/5
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 25/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/15
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
Nevada 15/30/10
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
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 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/10
Texas 25/50/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
Washington D.C. 25/50/10
West Virginia 20/40/10
Wisconsin 25/50/10
Wyoming 25/50/20

Before you get auto insurance, be sure to call or meet with an auto insurance professional. Each of these states will have specific details regarding their minimum levels of coverage, beyond the numbers listed here.