State-by-State Insurance Requirements: Detailed breakdown for each state.

Navigating the world of auto insurance can feel like wandering through a maze with twists and turns at every corner. Each state in the U.S. has its own set of rules and requirements, making it essential to know what’s needed in your particular location. Buckle up as we take a journey across the country, exploring the unique insurance landscapes from coast to coast.

Alabama: Understanding Minimum Coverage

Liability Insurance Requirements

Alabama mandates that drivers carry liability insurance. This covers:

• Bodily Injury Liability: At least $25,000 per person.
• Property Damage Liability: A minimum of $25,000 per accident.

Uninsured Motorist Coverage

While not required, Alabama strongly encourages adding uninsured motorist coverage to protect yourself against drivers without insurance.

Alaska: Coverage in the Last Frontier

Liability Insurance Essentials

Alaska requires:

• Bodily Injury: Minimum of $50,000 per person.
• Property Damage: At least $25,000 per accident.

Optional Coverages

Consider adding collision and comprehensive coverage to guard against the unique risks of Alaskan roads, like wildlife collisions and harsh weather conditions.

Arizona: Desert Driving Insurance Needs

Mandatory Liability Insurance

Arizona’s requirements are:

• Bodily Injury: $25,000 per person.
• Property Damage: $15,000 per accident.

Recommended Add-Ons

Given the desert terrain, comprehensive coverage for damages not caused by collisions is advisable.

Arkansas: Meeting the Minimums

Basic Liability Coverage

Arkansas demands:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Personal Injury Protection

Arkansas is a no-fault state, so Personal Injury Protection (PIP) is required to cover medical expenses and lost wages regardless of who’s at fault.

California: Golden State Requirements

Liability Coverage

California’s minimums are:

• Bodily Injury: $15,000 per person.
• Property Damage: $5,000 per accident.

Additional Considerations

Given California’s high cost of living and frequent accidents, higher coverage limits and uninsured motorist coverage are highly recommended.

Colorado: Mile-High Insurance

Liability Insurance Minimums

Colorado requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $15,000 per accident.

MedPay Coverage

MedPay, or medical payments coverage, is mandatory in Colorado to help cover medical expenses after an accident.

Connecticut: Comprehensive Coverage

Liability Requirements

Connecticut mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage is also required to protect you against drivers without sufficient insurance.

Delaware: First State Insurance Rules

Basic Liability Insurance

Delaware requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Personal Injury Protection

PIP is mandatory, ensuring coverage for medical expenses, lost wages, and other accident-related costs.

Florida: Sunshine State Insurance Essentials

Personal Injury Protection (PIP)

Florida’s no-fault law requires:

• PIP: $10,000 minimum.

Property Damage Liability

In addition, drivers must carry at least $10,000 in property damage liability.

Georgia: Peach State Coverage

Liability Insurance Minimums

Georgia’s requirements include:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Optional but recommended to protect against uninsured drivers.

Hawaii: Island Insurance Requirements

Liability Coverage

Hawaii mandates:

• Bodily Injury: $20,000 per person.
• Property Damage: $10,000 per accident.

No-Fault Insurance

PIP is required, providing at least $10,000 for medical expenses.

Idaho: Gem State Insurance

Liability Minimums

Idaho requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $15,000 per accident.

Uninsured Motorist Coverage

While not mandatory, it’s a wise addition given the rural roads and long distances between towns.

Illinois: Land of Lincoln Insurance

Liability Coverage

Illinois mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $20,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring you’re protected against uninsured drivers.

Indiana: Crossroads of America Coverage

Liability Requirements

Indiana’s minimums are:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Optional Coverages

Adding comprehensive and collision coverage is advisable for full protection.

Iowa: Hawkeye State Insurance

Liability Insurance

Iowa requires:

• Bodily Injury: $20,000 per person.
• Property Damage: $15,000 per accident.

Underinsured Motorist Coverage

Not required but recommended, given the rural nature of the state and higher accident risks.

Kansas: Sunflower State Coverage

Liability Minimums

Kansas mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

No-Fault Insurance

PIP is required, covering medical expenses, lost wages, and rehabilitation costs.

Kentucky: Bluegrass State Insurance

Liability Requirements

Kentucky requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

No-Fault Insurance

PIP is mandatory, ensuring at least $10,000 in medical benefits.

Louisiana: Bayou State Insurance

Liability Coverage

Louisiana mandates:

• Bodily Injury: $15,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Highly recommended due to the high number of uninsured drivers.

Maine: Pine Tree State Coverage

Liability Insurance

Maine requires:

• Bodily Injury: $50,000 per person.
• Property Damage: $25,000 per accident.

MedPay and Uninsured Motorist Coverage

MedPay is required at a minimum of $2,000, and uninsured motorist coverage must match the liability limits.

Maryland: Old Line State Insurance

Liability Minimums

Maryland’s requirements include:

• Bodily Injury: $30,000 per person.
• Property Damage: $15,000 per accident.

Personal Injury Protection

PIP is mandatory, covering at least $2,500 in medical expenses.

Massachusetts: Bay State Insurance

Liability Requirements

Massachusetts mandates:

• Bodily Injury: $20,000 per person.
• Property Damage: $5,000 per accident.

Personal Injury Protection

PIP is required, offering at least $8,000 in coverage for medical expenses and lost wages.

Michigan: Great Lakes State Coverage

No-Fault Insurance

Michigan requires unlimited PIP coverage, which is unique and ensures comprehensive protection.

Liability Insurance

Additionally, drivers must carry:

• Bodily Injury: $50,000 per person.
• Property Damage: $10,000 per accident.

Minnesota: Land of 10,000 Lakes Insurance

Liability Minimums

Minnesota requires:

• Bodily Injury: $30,000 per person.
• Property Damage: $10,000 per accident.

No-Fault Insurance

PIP is mandatory, providing at least $40,000 in medical and economic loss benefits.

Mississippi: Magnolia State Coverage

Liability Requirements

Mississippi mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Optional but beneficial due to the high number of uninsured drivers.

Missouri: Show-Me State Insurance

Liability Insurance

Missouri requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

Montana: Big Sky Country Coverage

Liability Minimums

Montana mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $20,000 per accident.

Optional Coverages

Consider comprehensive and collision coverage for the rural roads and unpredictable weather.

Nebraska: Cornhusker State Insurance

Liability Insurance

Nebraska requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Mandatory to match the liability limits, providing additional protection.

Nevada: Silver State Coverage

Liability Requirements

Nevada mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $20,000 per accident.

Optional Coverages

Given the state’s bustling tourism, comprehensive and collision coverage are advisable.

New Hampshire: Live Free or Die Insurance

Unique Requirements

New Hampshire doesn’t mandate auto insurance if you can prove financial responsibility.

Recommended Coverage

However, if you opt for insurance, minimums are:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

New Jersey: Garden State Insurance

Liability Insurance

New Jersey requires:

• Bodily Injury: $15,000 per person.
• Property Damage: $5,000 per accident.

Personal Injury Protection

PIP is mandatory, ensuring at least $15,000 in medical expenses coverage.

New Mexico: Land of Enchantment Coverage

Liability Requirements

New Mexico mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Uninsured Motorist Coverage

Optional but beneficial, given the high rate of uninsured drivers.

New York: Empire State Insurance

Liability Minimums

New York requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

No-Fault Insurance

PIP is mandatory, offering at least $50,000 in coverage for medical expenses and lost wages.

North Carolina: Tar Heel State Insurance

Liability Requirements

North Carolina mandates:

• Bodily Injury: $30,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring additional protection.

North Dakota: Peace Garden State Coverage

Liability Minimums

North Dakota requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

No-Fault Insurance

PIP is mandatory, providing at least $30,000 in medical expenses coverage.

Ohio: Buckeye State Insurance

Liability Requirements

Ohio mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Optional but recommended, given the high number of uninsured drivers.

Oklahoma: Sooner State Coverage

Liability Insurance

Oklahoma requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Optional but beneficial, ensuring additional protection.

Oregon: Beaver State Insurance

Liability Minimums

Oregon mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $20,000 per accident.

Personal Injury Protection

PIP is required, providing at least $15,000 in medical expenses coverage.

Pennsylvania: Keystone State Insurance

Liability Requirements

Pennsylvania requires:

• Bodily Injury: $15,000 per person.
• Property Damage: $5,000 per accident.

No-Fault Insurance

PIP is mandatory, ensuring at least $5,000 in medical expenses coverage.

Rhode Island: Ocean State Coverage

Liability Insurance

Rhode Island mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

South Carolina: Palmetto State Insurance

Liability Minimums

South Carolina requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Mandatory to match the liability limits, providing additional protection.

South Dakota: Mount Rushmore State Coverage

Liability Insurance

South Dakota mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

Tennessee: Volunteer State Insurance

Liability Minimums

Tennessee requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Optional but recommended, given the high number of uninsured drivers.

Texas: Lone Star State Coverage

Liability Requirements

Texas mandates:

• Bodily Injury: $30,000 per person.
• Property Damage: $25,000 per accident.

Optional Coverages

Given Texas’s vast size, consider comprehensive and collision coverage for added protection.

Utah: Beehive State Insurance

Liability Minimums

Utah requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $15,000 per accident.

No-Fault Insurance

PIP is mandatory, providing at least $3,000 in medical expenses coverage.

Vermont: Green Mountain State Coverage

Liability Insurance

Vermont mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

Virginia: Old Dominion State Insurance

Liability Minimums

Virginia requires:

• Bodily Injury: $30,000 per person.
• Property Damage: $20,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

Washington: Evergreen State Coverage

Liability Insurance

Washington mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Optional Coverages

Consider comprehensive and collision coverage for the state’s diverse weather conditions.

West Virginia: Mountain State Insurance

Liability Minimums

West Virginia requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $25,000 per accident.

Uninsured Motorist Coverage

Mandatory to match the liability limits, providing additional protection.

Wisconsin: Badger State Coverage

Liability Insurance

Wisconsin mandates:

• Bodily Injury: $25,000 per person.
• Property Damage: $10,000 per accident.

Uninsured Motorist Coverage

Required to match the liability limits, ensuring full protection.

Wyoming: Equality State Insurance

Liability Minimums

Wyoming requires:

• Bodily Injury: $25,000 per person.
• Property Damage: $20,000 per accident.

Optional Coverages

Consider comprehensive and collision coverage for the state’s rugged terrain and weather conditions.

Conclusion

Understanding your state’s insurance requirements can feel like decoding a secret language, but it’s crucial for ensuring you’re properly protected. Each state has its own rules and minimums, and while it might seem overwhelming, knowing these details helps you make informed decisions. Always consider optional coverages based on your personal needs and driving conditions to ensure full protection. Safe travels on your insurance journey!