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Car Insurance Requirements - Minimum Levels Of Car Insurance By State

Updated on March 27, 2011

Sufficient Liability Insurance Coverage

It is the responsibility of each motorist to ensure that he/she carry sufficient liability insurance coverage in the event of an accident happening. The liability insurance coverage should be sufficient enough to cover the cost of injuries to people and damage to property in the event of a car accident.

Car Insurance Requirements - Minimum Levels Of Car Insurance By State
Car Insurance Requirements - Minimum Levels Of Car Insurance By State

Minimum Insurance Requirements

Every state has its own laws and minimum insurance requirements for its residents. Meeting your state’s minimum insurance requirements is all you ever need to legally have your car on the road. But as a responsible driver you need to ask if what the state ask as minimum insurance requirement is sufficient to cover you in case of an accident. Time changes and the economy changes but the state’s law on minimum car insurance requirements may not be adjusted accordingly with changing times and economy. Remember any extra charges that your insurance does not cover will have to be paid by you, and this can as well put you in jail if you fail to pay.

Split Limit Liability Coverage Policy

The minimum levels of car insurance are usually in a split limit liability coverage policy that splits the coverage into property damage and bodily injury. For example: a state minimum liability limits, X/Y/Z, of  say, $20,000/$40,000/$15,000 means the insurance company will pay $20,000 of one person’s medical bill. If there are other people injured, then the insurance company will not pay more than $40,000 for their medical bills. This means that if three people are injured each requiring $20,000 medical bills, then the insurance company will have to pay a maximum of $40,000 and the deficit of $20,000 will have to be billed to you. In addition, the insurance company will not pay more than $15,000 for any damage you may have caused to other properties. If you had been involved in an accident where you hit another vehicle, then that other vehicle will have to be paid from the $15,000.

Defining Split Limit Liability Coverage

In summary, the split limit liability coverage policy, X/Y/Z, is defined as follows:

1. X: Amounts in thousand of dollars that that will cover bodily injury liability maximum for one person injured in an accident.

2. Y: Amounts in thousand of dollars that that will cover bodily injury liability maximum for all injuries in one accident.

3. Z: Amounts in thousand of dollars that that will cover property damage liability maximum for one accident.

From the example above, one can see that what is called a state’s minimum insurance requirements may not always be sufficient to cover bodily injury liability and property damage liability.

Listing of the Minimum Levels of Car Insurance by State

The table below shows the listing of the minimum levels of car insurance by state for every state.

Car Insurance Requirements - Minimum Levels Of Car Insurance By State

(click column header to sort results)
State's Name  
Minimum Car Insurance  
Alabama
25/50/25
Alaska
50/100/25
Arizona
15/30/10
Arkansas
25/50/25
California
15/30/5
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
15/30/25
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
25/50/15
Texas
30/60/30
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
50/100/55
Wyoming
25/50/20
Car Insurance Requirements - Minimum Levels Of Car Insurance By State

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    • stefegzmbu profile image

      stefegzmbu 

      6 years ago

      thank you! quickly found the information I was looking for

    • profile image

      Car Crash Claim 

      7 years ago

      Finally i got information which i was search, really hubpages are useful. Keep it up!!

      Thanks...

    • msorensson profile image

      msorensson 

      8 years ago

      Very informative and helpful. Thank you for sharing.

    • Hello, hello, profile image

      Hello, hello, 

      8 years ago from London, UK

      A very comprehensive hub and helpful to people. Thank you.

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