Current Table

Automobile Financial Responsibility Limits By State
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(As of December 2023)

State Insurance required Minimum liability limits (1)
Alabama BI & PD Liability 25/50/25
Alaska BI & PD Liability 50/100/25
Arizona BI & PD Liability 25/50/15
Arkansas BI & PD Liability, PIP 25/50/25
California BI & PD Liability 15/30/5 (2)
Colorado BI & PD Liability 25/50/15
Connecticut BI & PD Liability, UM, UIM 25/50/25
Delaware BI & PD Liability, PIP 25/50/10
DC BI & PD Liability, UM 25/50/10
Florida PD Liability, PIP 10/20/10
Georgia BI & PD Liability 25/50/25
Hawaii BI & PD Liability, PIP 20/40/10
Idaho BI & PD Liability 25/50/15
Illinois BI & PD Liability, UM, UIM 25/50/20
Indiana BI & PD Liability 25/50/25
Iowa BI & PD Liability 20/40/15
Kansas BI & PD Liability, PIP, UM, UIM 25/50/15
Kentucky BI & PD Liability, PIP 25/50/25 (3)
Louisiana BI & PD Liability 15/30/25
Maine BI & PD Liability, MED, UM, UIM 50/100/25 (3)
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15 (3)
Massachusetts BI & PD Liability, PIP, UM 20/40/5
Michigan BI & PD Liability, PIP 250/500/10 (4)
Minnesota BI & PD Liability, PIP, UM, UIM 30/60/10
Mississippi BI & PD Liability 25/50/25
Missouri BI & PD Liability, UM 25/50/25
Montana BI & PD Liability 25/50/20
Nebraska BI & PD Liability, UM, UIM 25/50/25
Nevada BI & PD Liability 25/50/20
New Hampshire FR Only 25/50/25
New Jersey BI & PD Liability, PIP, UM, UIM 25/50/25 (5)
New Mexico BI & PD Liability 25/50/10
New York BI & PD Liability, PIP, UM, UIM 25/50/10 (6)
North Carolina BI & PD Liability, UM, UIM 30/60/25
North Dakota BI & PD Liability, PIP, UM, UIM 25/50/25
Ohio BI & PD Liability 25/50/25
Oklahoma BI & PD Liability 25/50/25
Oregon BI & PD Liability, PIP, UM, UIM 25/50/20
Pennsylvania BI & PD Liability, PIP 15/30/5
Rhode Island BI & PD Liability 25/50/25 (3)
South Carolina BI & PD Liability, UM 25/50/25
South Dakota BI & PD Liability, UM, UIM 25/50/25
Tennessee BI & PD Liability 25/50/25
Texas BI & PD Liability 30/60/25
Utah BI & PD Liability, PIP 25/65/15 (3)
Vermont BI & PD Liability, UM, UIM 25/50/10
Virginia BI & PD Liability, UM, UIM 30/60/20 (7)
Washington BI & PD Liability 25/50/10
West Virginia BI & PD Liability, UM 25/50/25
Wisconsin BI & PD Liability, UM 25/50/10
Wyoming BI & PD Liability 25/50/20

(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) 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.
(2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(4) Lower limits available only with state director approval.
(5) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured 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.
(6) In addition, policyholders must have 50/100 for wrongful death coverage.
(7) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles.

Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory.

Source: State departments of insurance, Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association.

 

Archived Tables

AUTOMOBILE FINANCIAL RESPONSIBILITY LIMITS BY STATE
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State Insurance required  Minimum liability limits (1)
Alabama BI & PD Liab 25/50/25
Alaska BI & PD Liab 50/100/25
Arizona BI & PD Liab 15/30/10
Arkansas BI & PD Liab, PIP 25/50/25
California  BI & PD Liab 15/30/5 (2)
Colorado BI & PD Liab 25/50/15
Connecticut BI & PD Liab, UM, UIM 20/40/10
Delaware BI & PD Liab, PIP 15/30/10
D.C. BI & PD Liab, UM 25/50/10
Florida PD Liab, PIP 10/20/10 (3)
Georgia BI & PD Liab 25/50/25
Hawaii BI & PD Liab, PIP 20/40/10
Idaho BI & PD Liab 25/50/15
Illinois BI & PD Liab, UM 20/40/15
Indiana BI & PD Liab 25/50/10
Iowa BI & PD Liab 20/40/15
Kansas BI & PD Liab, PIP, UM 25/50/10
Kentucky BI & PD Liab, PIP 25/50/10
Louisiana BI & PD Liab 15/30/25
Maine BI & PD Liab, UM, UIM  50/100/25 (4)
Maryland BI & PD Liab, PIP (5), UM, UIM 20/40/15
Massachusetts BI & PD Liab, PIP, UM 20/40/5
Michigan BI & PD Liab, PIP 20/40/10
Minnesota BI & PD Liab, PIP, UM, UIM 30/60/10
Mississippi BI & PD Liab 25/50/25
Missouri BI & PD Liab, UM 25/50/10
Montana BI & PD Liab 25/50/10
Nebraska BI & PD Liab 25/50/25
Nevada BI & PD Liab 15/30/10
New Hampshire FR only, UM 25/50/25 (4)
New Jersey BI & PD Liab, PIP, UM, UIM 15/30/5 (6)
New Mexico BI & PD Liab 25/50/10
New York BI & PD Liab, PIP, UM 25/50/10 (7)
North Carolina BI & PD Liab, UM, UIM 30/60/25
North Dakota BI & PD Liab, PIP, UM, UIM 25/50/25
Ohio BI & PD Liab 12.5/25/7.5
Oklahoma BI & PD Liab 25/50/25
Oregon BI & PD Liab, PIP, UM 25/50/10
Pennsylvania BI & PD Liab, PIP 15/30/5
Rhode Island BI & PD Liab, UM (8) 25/50/25 (8)
South Carolina BI & PD Liab, UM 25/50/25
South Dakota BI & PD Liab, UM 25/50/25
Tennessee BI & PD Liab 25/50/15 (3)
Texas  BI & PD Liab 25/50/25*
Utah BI & PD Liab, PIP 25/65/15 (3)
Vermont BI & PD Liab 25/50/10
Virginia BI & PD Liab, UM, UIM 25/50/20
Washington BI & PD Liab 25/50/10
West Virginia BI & PD Liab, UM 20/40/10
Wisconsin BI & PD Liab**, UM, UIM, Med 50/100/55
Wyoming BI & PD Liab 25/50/20

(1) The first two numbers refer to bodily injury liability limits and the third number to property 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.
(2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(4) In addition, policyholders must also carry at least $1,000 for medical payments.
(5) May be waived for the policyholder but is compulsory for passengers.
(6) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverge not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy.
(7) In addition, policyholders must have 50/100 for wrongful death coverage.
(8) Policyholders can decline to purchase uninsured coverage if he or she chooses to buy only the minimum limits of bodily injury and property damage liability coverage.

*Minimum coverage requirements will increase to 30/60/30 on January 1, 2011.
**Effective June 1, 2010.

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

 
Automobile Financial Responsibility Limits By State
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(As of October 25, 2022)

State Insurance required Minimum liability limits (1)
Alabama BI & PD liability 25/50/25
Alaska BI & PD liability 50/100/25
Arizona BI & PD liability 25/50/15
Arkansas BI & PD liability, PIP 25/50/25
California  BI & PD liability 15/30/5 (2)
Colorado BI & PD liability 25/50/15
Connecticut BI & PD liability, UM, UIM 25/50/25
Delaware BI & PD liability, PIP 25/50/10 (3)
D.C. BI & PD liability, UM 25/50/10
Florida PD liability, PIP 10/20/10 (3)
Georgia BI & PD liability 25/50/25
Hawaii BI & PD liability, PIP 20/40/10
Idaho BI & PD liability 25/50/15
Illinois BI & PD liability, UM, UIM 25/50/20
Indiana BI & PD liability 25/50/25
Iowa BI & PD liability 20/40/15
Kansas BI & PD liability, PIP 25/50/25
Kentucky BI & PD liability, PIP 25/50/25 (3)
Louisiana BI & PD liability 15/30/25
Maine BI & PD liability, UM, UIM 50/100/25 (3), (4)
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15 (3)
Massachusetts BI & PD liability, PIP 20/40/5
Michigan BI & PD liability, PIP 20/40/10
Minnesota BI & PD liability, PIP, UM, UIM 30/60/10
Mississippi BI & PD liability 25/50/25
Missouri BI & PD liability, UM 25/50/25
Montana BI & PD liability 25/50/20
Nebraska BI & PD liability, UM, UIM 25/50/25
Nevada BI & PD liability 25/50/20
New Hampshire FR only 25/50/25
New Jersey BI & PD liability, PIP, UM, UIM 15/30/5 (5)
New Mexico BI & PD liability 25/50/10
New York BI & PD liability, PIP, UM, UIM 25/50/10 (6)
North Carolina BI & PD liability, UM, UIM 30/60/25
North Dakota BI & PD liability, PIP, UM, UIM 25/50/25
Ohio BI & PD liability 25/50/25
Oklahoma BI & PD liability 25/50/25 (3)
Oregon BI & PD liability, PIP, UM, UIM  25/50/20
Pennsylvania BI & PD liability, PIP 15/30/5
Rhode Island BI & PD liability 25/50/25
South Carolina BI & PD liability, UM 25/50/25
South Dakota BI & PD liability, UM, UIM 25/50/25
Tennessee BI & PD liability 25/50/15 (3)
Texas BI & PD liability 30/60/25
Utah BI & PD liability, PIP 25/65/15 (3)
Vermont BI & PD liability, UM, UIM 25/50/10
Virginia BI & PD liability (7), UM, UIM 30/60/20
Washington BI & PD liability 25/50/10
West Virginia BI & PD liability, UM 25/50/25
Wisconsin BI & PD liability, UM 25/50/10
Wyoming BI & PD liability 25/50/20

(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) 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.
(2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(4) In addition, policyholders must carry coverage for medical payments.
(5) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured 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.
(6) In addition, policyholders must have 50/100 for wrongful death coverage.
(7) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles.

Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory.

Source: Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association; state departments of insurance.