What are the Required Car Insurance Limits of Every U.S. State?


Every state in the United States requires certain limits of coverage for every auto insurance coverage in which a person, specifically a motorist owning a policy, should have. Limits of coverage, meaning an insurance coverage a motorist should not be lower than what the specified amounts are required by laws on each state.

These limits are characterized by three numbers, which are pertaining to bodily injury and property damage liability coverage. Before knowing these three digits that should be strictly followed by motorist when purchasing auto insurance, it is appropriate to know what these bodily injury and property damage liability coverages are first.

Bodily Injury Liability Coverage is a type that insures a policy holder if in case he/she is involved in a vehicular accident. He/she is insured by the auto insurance company from paying medical of funeral expenses needed by all people that are involved in the accident and are injured or dead, if the policy holder is found to be at fault to that accident.

Meanwhile Property Damage Liability Coverage is the one that is responsible for insuring a policy holder from paying all necessary property repair expenses. For all the property/s of the other parties that are involved in the accident. And it is only applicable in accidents where in the policy holder is found at fault.

Both bodily injury and property damage are sometimes included in a single policy, which is the Liability Coverage, depending on the car insurance company that will provide it.

Now that the bodily injury liability and the property damage liability coverage are properly understood, here are the specified limits of coverage a motorist should at least have that stated by laws on every state in the United States (states are arranged in alphabetical order):

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, and New Hampshire 25/50/25.

Next are for the states of 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 15/30/10, 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.

Remember that the first two numbers refer to the bodily injury liability limits and the third number is to the property damage liability limit that a car insurance coverage should have. In a combination like 50/100/25, the first two, 50 and 100 would represent that in an accident each injured person would receive a maximum amount of 50 (50,000) each, but only 100 (100,000) is allowed per accident. As for the third digit, which is 25, it would represent that in every accident the allotted coverage for all vehicle damage is 25 (25,000).