Automobile Financial Responsibility Limits By State

(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.