Auto insurance regulations by state
Each state has it's own minimum coverage that is required by law in order for a driver to maintain their driver's license in that state.
There are six basic auto insurance coverage components. They are:
- Bodily injury liability (Required in most states): For injuries the policyholder causes to someone else.
- Property damage liability (Required in most states): For damage the policyholder causes to someone else's property (usually vehicles).
- Medical payments or personal injury protection (PIP) (Required in some states): For treatment of injuries to the driver and passengers of the policyholder's car.
- Collision (Generally optional): For damage to the policyholder's car from a collision. The collision could be with another vehicle or a tree etc.
- Comprehensive (Generally optional): For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks may include fire, theft, vandalism etc.
- Uninsured motorist (Required in some states): For treatment of the policyholder's injuries that result from a collision with an uninsured driver. This coverage comes into play when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your damages.
Requirements by State
| State | Coverage Type(s) Required | Minimum Liability Limits* ($000) |
| AL | Bodily Injury and Property Damage Liability (effective 6/2000) | 20/40/10 |
| AK | Bodily Injury and Property Damage Liability | 50/100/25 |
| AZ | Bodily Injury and Property Damage Liability | 15/30/10 |
| AR | Bodily Injury and Property Damage Liability | 25/50/25 |
| CA | Bodily Injury and Property Damage Liability | 15/30/5 |
| CO | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/50/15 |
| CT | Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist | 20/40/10 |
| DE | Bodily Injury and Property Damage Liability, Personal Injury Protection | 15/30/5 |
| DC | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/10 |
| FL | Property Damage Liability, Personal Injury Protection | 10/20/10 |
| GA | Bodily Injury and Property Damage Liability | 25/50/25 |
| HI | Bodily Injury and Property Damage Liability, Personal Injury Protection | 20/40/10 |
| ID | Bodily Injury and Property Damage Liability | 25/50/15 |
| IL | Bodily Injury and Property Damage Liability, Uninsured Motorist | 20/40/15 |
| IN | Bodily Injury and Property Damage Liability | 25/50/10 |
| IA | Bodily Injury and Property Damage Liability | 20/40/15 |
| KS | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| KY | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/50/10 |
| LA | Bodily Injury and Property Damage Liability | 10/20/10 |
| ME | Bodily Injury and Property Damage Liability, Uninsured Motorist, Underinsured Motorist | 50/100/25 |
| MD | Bodily Injury and Property Damage Liability, Personal Injury Protection (may be waived for policyholder but compulsory for passengers), Uninsured Motorist | 20/40/10 |
| MA | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 20/40/5 |
| MI | Bodily Injury and Property Damage Liability, Personal Injury Protection | 20/40/10 |
| MN | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist | 30/60/10 |
| MS | Bodily Injury and Property Damage Liability | 10/20/5 |
| MO | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/10 |
| MT | Bodily Injury and Property Damage Liability | 25/50/10 |
| NE | Bodily Injury and Property Damage Liability | 25/50/25 |
| NV | Bodily Injury and Property Damage Liability | 15/30/10 |
| NH | Financial Responsibility Only, Underinsured Motorist | 25/50/25 |
| NJ | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 15/30/5 |
| NM | Bodily Injury and Property Damage Liability | 25/50/10 |
| NY | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| NC | Bodily Injury and Property Damage Liability | 30/60/25 |
| ND | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/25 |
| OH | Bodily Injury and Property Damage Liability | 12.5/25/7.5 |
| OK | Bodily Injury and Property Damage Liability | 10/20/10 |
| OR | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| PA | Bodily Injury and Property Damage Liability, Medical Payments | 15/30/5 |
| RI | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/25 |
| SC | Bodily Injury and Property Damage Liability, Uninsured Motorist | 15/30/10 |
| SD | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/25 |
| TN | Financial Responsibility Only | 25/50/10 |
| TX | Bodily Injury and Property Damage Liability | 20/40/15 |
| UT | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/50/15 |
| VT | Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist | 25/50/10 |
| VA | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/20 |
| WA | Bodily Injury and Property Damage Liability | 25/50/10 |
| WV | Bodily Injury and Property Damage Liability, Uninsured Motorist | 20/40/10 |
| WI | Financial Responsibility Only, Uninsured Motorist | 25/50/10 |
| WY | Bodily Injury and Property Damage Liability | 25/50/20 |