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Automobile Financial Responsibility Laws By State

(As of July 2018)

State Insurance required (1) Minimum liability limits (2)
AL BI & PD Liab 25/50/25
AK BI & PD Liab 50/100/25
AZ BI & PD Liab 15/30/10
AR BI & PD Liab, PIP 25/50/25
CA BI & PD Liab 15/30/5 (3)
CO BI & PD Liab 25/50/15
CT BI & PD Liab, UM, UIM 25/50/20*
DE BI & PD Liab, PIP 25/50/10
DC BI & PD Liab, UM 25/50/10
FL PD Liab, PIP 10/20/10 (4)
GA BI & PD Liab 25/50/25
HI BI & PD Liab, PIP 20/40/10
ID BI & PD Liab 25/50/15
IL BI & PD Liab, UM, UIM 25/50/20
IN BI & PD Liab 25/50/25*
IA BI & PD Liab 20/40/15
KS BI & PD Liab, PIP 25/50/25
KY BI & PD Liab, PIP, UM, UIM 25/50/25 (4)*
LA BI & PD Liab 15/30/25
ME BI & PD Liab, UM, UIM, Medpay 50/100/25 (5)
MD BI & PD Liab, PIP, UM, UIM 30/60/15
MA BI & PD Liab, PIP 20/40/5
MI BI & PD Liab, PIP 20/40/10
MN BI & PD Liab, PIP, UM, UIM 30/60/10
MS BI & PD Liab 25/50/25
MO BI & PD Liab, UM 25/50/25*
MT BI & PD Liab 25/50/20
NE BI & PD Liab, UM, UIM 25/50/25
NV BI & PD Liab 25/50/20
NH FR only 25/50/25
NJ BI & PD Liab, PIP, UM, UIM 15/30/5 (6)
NM BI & PD Liab 25/50/10
NY BI & PD Liab, PIP, UM, UIM 25/50/10 (7)
NC BI & PD Liab, UM, UIM 30/60/25
ND BI & PD Liab, PIP, UM, UIM 25/50/25
OH BI & PD Liab 25/50/25
OK BI & PD Liab 25/50/25
OR BI & PD Liab, PIP, UM, UIM 25/50/20
PA BI & PD Liab, PIP 15/30/5
RI BI & PD Liab 25/50/25
SC BI & PD Liab, UM, UIM 25/50/25
SD BI & PD Liab, UM, UIM 25/50/25
TN BI & PD Liab 25/50/15 (4)
TX BI & PD Liab, PIP 30/60/25
UT BI & PD Liab, PIP 25/65/15 (4)
VT BI & PD Liab, UM, UIM 25/50/10
VA BI & PD Liab (9), UM, UIM 25/50/20
WA BI & PD Liab 25/50/10
WV BI & PD Liab, UM, UIM 25/50/25
WI BI & PD Liab, UM, Medpay 25/50/10
WY BI & PD Liab 25/50/20

(1) Compulsory Coverages:
BI Liab=Bodily injury liability
PD Liab=Property damage liability
UM=Uninsured motorist
PD=Physical damage
Med=First party (policyholder) medical expenses
UIM=Underinsured motorist
PIP=Personal Injury Protection. Mandatory in no-fault states. Includes medical, rehabilitation, loss of earnings and funeral expenses. In some states PIP includes essential services such as child care.
FR=Financial responsibility only. Insurance not compulsory.
(2) The first two numbers refer to bodily injury liability limits and the third number to property damage liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(3) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(4) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(5) In addition, policyholders must also have coverage for medical payments. Amounts vary by state.
(6) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit.
(7) In addition, policyholders must have 50/100 for wrongful death coverage.
(8) UIM Mandatory in policies with UM limits exceeding certain limits. Amounts vary by state.
(9) Compulsory to buy insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

*Effective January 1, 2019.

Source: Property Casualty Insurers Association of America; state departments of insurance and motor vehicles.