State-by State Requirements

Each state has its own laws on minimum car insurance requirements. These requirements are listed as a series of three numbers divided by slashes. For example, the State of California has a minimum requirement of 15/30/5. The first number refers to the maximum amount, in thousands, that each injured person will receive in case of an accident. The second number refers to the total amount, in thousands, that will be awarded for injuries, and the last number refers to the total amount of coverage, in thousands, that will be awarded for property damage. In California, the minimum requirements are $15,000 per person, $30,000 for total injuries, and $5,000 for property damage.  The following are more examples of minimum requirements by state:

    * Alaska 50/100/25
    * Alabama 20/40/10
    * Arkansas 25/50/15
    * Arizona 15/30/10
    * California 15/30/5
    * Colorado 25/50/15
    * Connecticut 20/40/10
    * Delaware 15/30/5
    * Florida 10/20/10
    * Georgia 15/30/10
    * Hawaii 20/40/10
    * Idaho 20/50/15
    * Illinois 20/40/15
    * Indiana 25/50/10
    * Iowa 20/40/15
    * Kansas 25/50/10
    * Kentucky 25/50/10
    * Louisiana 10/20/10
    * Maine 50/100/25
    * Maryland 20/40/10
    * Massachusetts 20/40/5
    * Michigan 20/40/10
    * Minnesota 30/60/10
    * Mississippi 25/50/25
    * Missouri 25/50/10
    * Montana 25/50/10
    * Nebraska 25/50/25
    * New Hampshire 25/50/25
    * New Jersey 15/30/5
    * New Mexico 25/50/10
    * Nevada 15/30/10
    * New York 25/50/10
    * North Carolina 30/60/25
    * North Dakota 25/50/25
    * Ohio 12.5/25/7.5
    * Oklahoma 10/20/10
    * Oregon 25/50/10
    * Pennsylvania 15/30/5
    * Rhode Island 25/50/25
    * South Carolina 25/50/25
    * South Dakota 25/50/25
    * Tennessee 25/50/10
    * Texas 20/40/15
    * Utah 25/65/15
    * Virginia 25/50/20
    * Vermont 25/50/10
    * Washington 25/50/10
    * Wisconsin 25/50/10
    * West Virginia 20/40/10
    * Wyoming 25/50/20 

It’s important to remember, that meeting the bare minimum of your state’s requirements may not be enough for quality protection. These values may not cover all of the costs of a car accident. You may want to speak to your agent to learn more about choosing the right amount of coverage in your state.