Do you want to know how much auto insurance you have to carry? The state you live in influences your answer. The particular types and sums of required coverage range from one state to another. If you want to know information about minimum requirements by states, see the following table.
In the last column the first two figures refer to bodily injury liability limits and the third figure refers to the property damage liability limit. For instance, 20/40/10 means coverage up to $20,000 for each person hurt in a crash, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage.
State-by-state requirements
State | Type(s) of Coverage Required | Minimum Liability Limits | | Alabama | Bodily Injury and Property Damage Liability (effective 6/2000) | 20/40/10 | | Alaska | Bodily Injury and Property Damage Liability | 50/100/25 | | Arizona | Bodily Injury and Property Damage Liability | 15/30/10 | | Arkansas | Bodily Injury and Property Damage Liability | 25/50/15 | | California | Bodily Injury and Property Damage Liability, Personal Injury Protection | 15/30/5 | | Colorado | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/50/15 | | Connecticut | Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist | 20/40/10 | | Delaware | Bodily Injury and Property Damage Liability, Personal Injury Protection | 15/30/5 | | Florida | Property Damage Liability, Personal Injury Protection | 10/20/10 | | Georgia | Bodily Injury and Property Damage Liability | 15/30/10 | | Hawaii | Bodily Injury and Property Damage Liability, Personal Injury Protection | 20/40/10 | | Idaho | Bodily Injury and Property Damage Liability | 25/50/15 | | Illinois | Bodily Injury and Property Damage Liability, Uninsured Motorist | 20/40/15 | | Indiana | Bodily Injury and Property Damage Liability | 25/50/10 | | Iowa | Bodily Injury and Property Damage Liability | 20/40/15 | | Kansas | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 | | Kentucky | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/50/10 | | Louisiana | Bodily Injury and Property Damage Liability | 10/20/10 | | Maine | Bodily Injury and Property Damage Liability, Uninsured Motorist | 50/100/25 |
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State's Minimum Requirements