AUTOMOBILE FINANCIAL RESPONSIBILITY LIMITS AND ENFORCEMENT BY STATE

(As of September 2016)

State Insurance required (1) Minimum liability limits (2) Insurer verification of insurance (3)
AL BI & PD Liab 25/50/25 c, d
AK BI & PD Liab 50/100/25 a
AZ BI & PD Liab 15/30/10 a, b
AR BI & PD Liab, PIP 25/50/25 b, d
CA BI & PD Liab 15/30/5 (4) a, b, d
CO BI & PD Liab 25/50/15 a, d
CT BI & PD Liab, UM, UIM 20/40/10 d
DE BI & PD Liab, PIP 15/30/10 a, b, c, d
DC BI & PD Liab, PIP, UM 25/50/10 a, c, d
FL PD Liab, PIP 10/20/10 (5) a, d
GA BI & PD Liab 25/50/25 a, d
HI BI & PD Liab, PIP 20/40/10 a
ID BI & PD Liab 25/50/15 d
IL BI & PD Liab, UM, UIM 25/50/20 a, b, c
IN BI & PD Liab 25/50/25* a
IA BI & PD Liab 20/40/15 a
KS BI & PD Liab, PIP 25/50/25** a,c, d
KY BI & PD Liab, PIP 25/50/10 (5) a, d
LA BI & PD Liab 15/30/25 a, d
ME BI & PD Liab, UM 50/100/25 (6) b
MD BI & PD Liab, PIP, UM, UIM 30/60/15 a, d
MA BI & PD Liab, PIP, UM 20/40/5 a, d
MI BI & PD Liab, PIP 20/40/10 a
MN BI & PD Liab, PIP, UM, UIM 30/60/10 a, c
MS BI & PD Liab 25/50/25 a, d
MO BI & PD Liab, UM 25/50/10 a, c, d
MT BI & PD Liab 25/50/20 d
NE BI & PD Liab, UM, UIM 25/50/25 a, b, d
NV BI & PD Liab 15/30/10 a, d
NH FR only, UM 25/50/25 (6) a
NJ BI & PD Liab, PIP, UM, UIM 15/30/5 (7) a, d
NM BI & PD Liab 25/50/10 a, c
NY BI & PD Liab, PIP, UM 25/50/10 (8) a, d
NC BI & PD Liab, UM, UIM (9) 30/60/25 a, d
ND BI & PD Liab, PIP, UM, UIM 25/50/25 c
OH BI & PD Liab 25/50/25 a, c
OK BI & PD Liab 25/50/25 a, c, d
OR BI & PD Liab, PIP, UM, UIM 25/50/20 a, c, d
PA BI & PD Liab, PIP 15/30/5 a
RI BI & PD Liab 25/50/25 (5) d
SC BI & PD Liab, UM 25/50/25 a, d
SD BI & PD Liab, UM, UIM 25/50/25 a
TN BI & PD Liab 25/50/15 (5) a, d
TX BI & PD Liab 30/60/25 a, d***
UT BI & PD Liab, PIP 25/65/15 (5) d
VT BI & PD Liab, UM, UIM 25/50/10 c
VA BI & PD Liab (10), UM, UIM 25/50/20 a, b, c, d
WA BI & PD Liab 25/50/10 a
WV BI & PD Liab, UM 25/50/25 a, d
WI BI & PD Liab, UM 25/50/10 a
WY BI & PD Liab 25/50/20 c, d

(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) a. Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
      b. Insurer must verify financial responsibility or insurance after an accident or arrest.
      c.Insurer must verify randomly selected insurance policies upon request.
      d. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law or online verification system. Also includes cases where insurers are required to report new issues and/or renewals.
(4) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(5) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(6) In addition, policyholders must also have coverage for medical payments. Amounts vary by state.
(7) 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.
(8) In addition, policyholders must have 50/100 for wrongful death coverage.
(9) UIM Mandatory in policies with UM limits exceeding certain limits. Amount vary by state.
(10) Compulsory to buy insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

* Effective July 1, 2017.
**Effective January 1, 2017.
***Implementation by January 1, 2017.

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