|
Minimum State Insurance Requirements
|
| State |
Liability required? liability
limits (in thousands of dollars) |
Personal Injury Protection
PIP required? |
No-fault state? |
Uninsured motorist coverage
required? |
Alabama1
|
Yes, 20/40/10 |
No |
No |
No |
Alaska
|
Yes, 50/100/25 |
No |
No |
No |
Arizona
|
Yes, 15/30/10 |
No |
No |
No |
Arkansas
|
Yes, 25/50/15 |
No |
No |
No |
California2
|
Yes, 15/30/5 |
No |
No |
No |
Colorado
|
Yes, 25/50/15 |
Yes |
Yes |
No |
Connecticut
|
Yes, 20/40/10 |
No |
No |
No |
Delaware
|
Yes, 15/30/5 |
Yes |
Yes |
No |
D.C.
|
Yes, 25/50/10 |
No |
No |
No |
Florida3
|
Yes, 10/20/10 |
Yes |
Yes |
No |
Georgia
|
Yes, 15/30/10 |
No |
No |
No |
Hawaii
|
Yes, 20/40/10 |
Yes |
Yes |
No |
Idaho
|
Yes, 25/50/15 |
No |
No |
No |
Illinois
|
Yes, 20/40/15 |
No |
No |
No |
Indiana
|
Yes, 25/50/10 |
No |
No |
No |
Iowa
|
Yes, 20/40/15 |
No |
No |
No |
Kansas
|
Yes, 25/50/10 |
Yes |
Yes |
Yes |
Kentucky
|
Yes, 25/50/10 |
Yes |
Yes |
No |
Louisiana
|
Yes, 10/20/10 |
No |
No |
No |
Maine
|
Yes, 50/100/25 |
No |
No |
Yes |
Maryland4
|
Yes, 20/40/10 |
Yes |
Yes |
Yes |
Massachusetts
|
Yes, 20/40/5 |
Yes |
Yes |
Yes |
Michigan
|
Yes, 20/40/10 |
Yes |
Yes |
No |
Minnesota
|
Yes, 30/60/10 |
Yes |
Yes |
Yes |
Mississippi5
|
No, 10/20/5 |
No |
No |
No |
Missouri
|
Yes, 25/50/10 |
No |
No |
Yes |
Montana
|
Yes, 25/50/10 |
No |
No |
No |
Nebraska
|
Yes, 25/50/25 |
No |
No |
No |
Nevada
|
Yes, 15/30/10 |
No |
No |
No |
New Hampshire
|
No, 25/50/25 |
No |
No |
No |
New Jersey6
|
Yes, 15/30/5 |
Yes |
Yes |
Yes |
New Mexico
|
Yes, 25/50/10 |
No |
No |
No |
New York7
|
Yes, 25/50/10 |
Yes |
Yes |
Yes |
North Carolina
|
Yes, 25/50/15 |
No |
No |
No |
North Dakota
|
Yes, 25/50/25 |
Yes |
Yes |
Yes |
Ohio
|
Yes, 12.5/25/7.5 |
No |
No |
No |
Oklahoma
|
Yes, 10/20/10 |
No |
No |
No |
Oregon
|
Yes, 25/50/10 |
No |
Yes |
Yes |
Pennsylvania8
|
Yes, 15/30/5 |
Yes |
Yes |
No |
Rhode Island
|
Yes, 25/50/25 |
No |
No |
Yes |
South Carolina
|
Yes, 15/30/10 |
No |
No |
Yes |
South Dakota
|
Yes, 25/50/25 |
No |
No |
Yes |
Tennessee
|
No, 25/50/10 |
No |
No |
No |
Texas
|
Yes, 20/40/15 |
No |
No |
No |
Utah
|
Yes, 25/50/15 |
Yes |
Yes |
No |
Vermont
|
Yes, 25/50/10 |
No |
No |
Yes |
Virginia
|
Yes, 25/50/20 |
No |
No |
Yes |
Washington
|
Yes, 25/50/10 |
No |
No |
No |
West Virginia
|
Yes, 20/40/10 |
No |
No |
Yes |
Wisconsin
|
No, 25/50/10 |
No |
No |
Yes |
Wyoming
|
Yes, 25/50/20 |
No |
No |
No |
|
1Effective June
2000
2Low-cost policy limits
for Los Angeles and San Francisco for low-income drivers in the
California Automobile Assigned Risk Plan are 10/20/3, effective
Jan. 1, 2000, to Jan. 1, 2004
3 Drivers can choose
a standard or basic policy. Basic policy limits are 10/10/5
4 May be waived for
the policyholder but is compulsory for passengers
5 Minimum liability
law goes into effect Jan. 1, 2001
6 Property-damage liability
only is mandatory
7 Liability rises to
50/100 if injury results in death
8 Medical- First party
(policyholder) medical expenses.
Source: Insurance Information Institute
Last updated May 31, 2000
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