AUTOMOBILE FINANCIAL RESPONSIBILITY LIMITS BY STATE
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.