In this article, we’ll talk about state-by-state car insurance requirements and minimum liability limits.
As a licensed insurance agent, I hope to inform you of everything you need to know about insurance. So if you have any questions about insurance requirements in your state or want to move out of state, keep reading!
Table of contents
- Liability Limit Requirements
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Puerto Rico
Liability Limit Requirements
Here is a list of all of the states and their required minimum bodily injury liability limits for car insurance.
| State | Minimum Bodily Injury Coverage | Minimum Property Damage Liability |
| Alabama | $25,000 per person and $50,000 per accident | $25,000 |
| Alaska | $50,000 per person and $100,000 per accident | $50,000 |
| Arizona | $15,000 per person and $30,000 per accident | $15,000 |
| Arkansas | $25,000 per person and $50,000 per accident | $25,000 |
| California | $15,000 per person and $30,000 per accident | $5,000 |
| Colorado | $25,000 per person and $50,000 per accident | $15,000 |
| Connecticut | $25,000 per person and $50,000 per accident | $25,000 |
| Delaware | $25,000 per person and $50,000 per accident | $10,000 |
| Florida | $10,000 per person and $20,000 per accident | $10,000 |
| Georgia | $25,000 per person and $50,000 per accident | $25,000 |
| Hawaii | $20,000 per person and $40,000 per accident | $10,000 |
| Idaho | $25,000 per person and $50,000 per accident | $25,000 |
| Illinois | $25,000 per person and $50,000 per accident | $20,000 |
| Indiana | $25,000 per person and $50,000 per accident | $25,000 |
| Iowa | $20,000 per person and $40,000 per accident | $15,000 |
| Kansas | $25,000 per person and $50,000 per accident | $25,000 |
| Kentucky | $25,000 per person and $50,000 per accident | $10,000 |
| Louisiana | $15,000 per person and $30,000 per accident | $10,000 |
| Maine | $50,000 per person and $100,000 per accident | $25,000 |
| Maryland | $30,000 per person and $60,000 per accident | $15,000 |
| Massachusetts | $20,000 per person and $40,000 per accident | $5,000 |
| Michigan | $20,000 per person and $40,000 per accident | $10,000 |
| Minnesota | $30,000 per person and $60,000 per accident | $40,000 |
| Mississippi | $25,000 per person and $50,000 per accident | $25,000 |
| Missouri | $25,000 per person and $50,000 per accident | $10,000 |
| Montana | $25,000 per person and $50,000 per accident | $25,000 |
| Nebraska | $25,000 per person and $50,000 per accident | $25,000 |
| Nevada | $25,000 per person and $50,000 per accident | $20,000 |
| New Hampshire | $25,000 per person and $50,000 per accident | $25,000 |
| New Jersey | $15,000 per person and $30,000 per accident | $5,000 |
| New Mexico | $25,000 per person and $50,000 per accident | $10,000 |
| New York | $25,000 per person and $50,000 per accident | $25,000 |
| North Carolina | $30,000 per person and $60,000 per accident | $25,000 |
| North Dakota | $25,000 per person and $50,000 per accident | $25,000 |
| Ohio | $25,000 per person and $50,000 per accident | $25,000 |
| Oklahoma | $25,000 per person and $50,000 per accident | $25,000 |
| Oregon | $25,000 per person and $50,000 per accident | $25,000 |
| Pennsylvania | $15,000 per person and $30,000 per accident | $5,000 |
| Rhode Island | $25,000 per person and $50,000 per accident | $25,000 |
| South Carolina | $25,000 per person and $50,000 per accident | $25,000 |
| South Dakota | $25,000 per person and $50,000 per accident | $25,000 |
| Tennessee | $25,000 per person and $50,000 per accident | $25,000 |
| Texas | $30,000 per person and $60,000 per accident | $25,000 |
| Utah | $25,000 per person and $65,000 per accident | $15,000 |
| Vermont | $25,000 per person and $50,000 per accident | $25,000 |
| Virginia | $25,000 per person and $50,000 per accident | $25,000 |
| Washington | $25,000 per person and $50,000 per accident | $10,000 |
| West Virginia | $25,000 per person and $50,000 per accident | $25,000 |
| Wisconsin | $25,000 per person and $50,000 per accident | $10,000 |
| Wyoming | $25,000 per person and $50,000 per accident | $25,000 |
| Puerto Rico | $10,000 per person and $20,000 per accident | $10,000 |
It’s important to note that these are just the minimum requirements for car insurance in each state. You may purchase a policy with higher liability limits for added protection depending on your situation. Additionally, these limits may vary depending on your specific policy and the insurance company.
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Alabama
The required minimum liability limits for car insurance in Alabama are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Alabama also requires drivers to have uninsured/underinsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Alaska
The required minimum liability limits for car insurance in Alaska are:
- Bodily injury: $50,000 per person and $100,000 per accident
- Property damage: $50,000
In addition to liability coverage, Alaska also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
Arizona
The required minimum liability limits for car insurance in Arizona are:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $10,000
In addition to liability coverage, Arizona also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident
Arkansas
The required minimum liability limits for car insurance in Arkansas are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Arkansas also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
California
The required minimum liability limits for car insurance in California are:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $5,000
In addition to liability coverage, California also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident
Colorado
The required minimum liability limits for car insurance in Colorado are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $15,000
In addition to liability coverage, Colorado also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Connecticut
The required minimum liability limits for car insurance in Connecticut are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Connecticut also requires drivers to have uninsured/underinsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Delaware
The required minimum liability limits for car insurance in Delaware are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Delaware also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Florida
The required minimum liability limits for car insurance in Florida are:
- Bodily injury: $10,000 per person and $20,000 per accident
- Property damage: $10,000
In addition to liability coverage, Florida also requires drivers to have personal injury protection (PIP) coverage. PIP covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident. The required minimum limits for PIP coverage in Florida are $10,000.
Georgia
The required minimum liability limits for car insurance in Georgia are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Georgia also requires drivers to have uninsured/underinsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Hawaii
The required minimum liability limits for car insurance in Hawaii are:
- Bodily injury: $20,000 per person and $40,000 per accident
- Property damage: $10,000
In addition to liability coverage, Hawaii also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $20,000 per person and $40,000 per accident
Idaho
The required minimum liability limits for car insurance in Idaho are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Idaho also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Illinois
The required minimum liability limits for car insurance in Illinois are:
- Bodily injury: $20,000 per person and $40,000 per accident
- Property damage: $20,000
In addition to liability coverage, Illinois also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $20,000 per person and $40,000 per accident
Indiana
The required minimum liability limits for car insurance in Indiana are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Indiana also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Iowa
The required minimum liability limits for car insurance in Iowa are:
- Bodily injury: $20,000 per person and $40,000 per accident
- Property damage: $15,000
In addition to liability coverage, Iowa also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $20,000 per person and $40,000 per accident
Kansas
The required minimum liability limits for car insurance in Kansas are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Kansas also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Kentucky
The required minimum liability limits for car insurance in Kentucky are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Kentucky also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Louisana
The required minimum liability limits for car insurance in Louisiana are:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $25,000
In addition to liability coverage, Louisiana also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident
Maine
The required minimum liability limits for car insurance in Maine are:
- Bodily injury: $50,000 per person and $100,000 per accident
- Property damage: $25,000
In addition to liability coverage, Maine also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
Maryland
The required minimum liability limits for car insurance in Maryland are:
- Bodily injury: $30,000 per person and $60,000 per accident
- Property damage: $15,000
In addition to liability coverage, Maryland also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
Massachusetts
The required minimum liability limits for car insurance in Massachusetts are:
- Bodily injury: $20,000 per person and $40,000 per accident
- Property damage: $5,000
In addition to liability coverage, Massachusetts also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $20,000 per person and $40,000 per accident
Michigan
The required minimum liability limits for car insurance in Michigan are:
- Bodily injury: $20,000 per person and $40,000 per accident
- Property damage: $10,000
In addition to liability coverage, Michigan also requires drivers to have personal injury protection (PIP) coverage, which covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident. The required minimum limits for PIP coverage in Michigan are $250,000.
Minnesota
The required minimum liability limits for car insurance in Minnesota are:
- Bodily injury: $30,000 per person and $60,000 per accident
- Property damage: $10,000
In addition to liability coverage, Minnesota also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Mississippi
The required minimum liability limits for car insurance in Mississippi are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Mississippi also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Missouri
The required minimum liability limits for car insurance in Missouri are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Missouri also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Nebraska
The required minimum liability limits for car insurance in Nebraska are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Nebraska also requires drivers to have uninsured motorist coverage, with the following minimum limits:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Nevada
The required minimum liability limits for car insurance in Nevada are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $20,000
In addition to liability coverage, Nevada also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
New Hampshire
The required minimum liability limits for car insurance in New Hampshire are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
New Hampshire does not require drivers to carry uninsured motorist coverage. However, it is generally a good idea to purchase this type of coverage, as it can help protect you in the event that you are involved in an accident with an uninsured driver.
New Jersey
The required minimum liability limits for car insurance in New Jersey are:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $5,000
In addition to liability coverage, New Jersey also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident.
New Mexico
The required minimum liability limits for car insurance in New Mexico are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, New Mexico also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
New York
The required minimum liability limits for car insurance in New York are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, New York also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
North Carolina
The required minimum liability limits for car insurance in North Carolina are:
- Bodily injury: $30,000 per person and $60,000 per accident
- Property damage: $25,000
In addition to liability coverage, North Carolina also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
North Dakota
The required minimum liability limits for car insurance in North Dakota are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, North Dakota also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Ohio
The required minimum liability limits for car insurance in Ohio are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Ohio also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Oklahoma
The required minimum liability limits for car insurance in Oklahoma are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Oklahoma also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Oregon
The required minimum liability limits for car insurance in Oregon are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $20,000
In addition to liability coverage, Oregon also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Pennsylvania
The required minimum liability limits for car insurance in Pennsylvania are:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $5,000
In addition to liability coverage, Pennsylvania also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $15,000 per person and $30,000 per accident
Rhode Island
The required minimum liability limits for car insurance in Rhode Island are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, Rhode Island also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
South Carolina
The required minimum liability limits for car insurance in South Carolina are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, South Carolina also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
South Dakota
The required minimum liability limits for car insurance in South Dakota are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, South Dakota also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Tennessee
The required minimum liability limits for car insurance in Tennessee are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $15,000
In addition to liability coverage, Tennessee also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Texas
The required minimum liability limits for car insurance in Texas are:
- Bodily injury: $30,000 per person and $60,000 per accident
- Property damage: $25,000
In addition to liability coverage, Texas also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
Utah
The required minimum liability limits for car insurance in Utah are:
- Bodily injury: $25,000 per person and $65,000 per accident
- Property damage: $15,000
In addition to liability coverage, Utah also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $65,000 per accident
Vermont
The required minimum liability limits for car insurance in Vermont are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Vermont also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
Virginia
The required minimum liability limits for car insurance in Virginia are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $20,000
In addition to liability coverage, Virginia also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Washington
The required minimum liability limits for car insurance in Washington are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Washington also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
West Virginia
The required minimum liability limits for car insurance in West Virginia are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000
In addition to liability coverage, West Virginia also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Wisconsin
The required minimum liability limits for car insurance in Wisconsin are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $10,000
In addition to liability coverage, Wisconsin also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Wyoming
The required minimum liability limits for car insurance in Wyoming are:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $20,000
In addition to liability coverage, Wyoming also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Puerto Rico
Puerto Rico is an unincorporated territory of the United States, and its residents are required to have car insurance in order to operate a vehicle on its roads. The required minimum liability limits for car insurance in Puerto Rico are:
- Bodily injury: $10,000 per person and $20,000 per accident
- Property damage: $10,000
In addition to liability coverage, Puerto Rico also requires drivers to have the following minimum limits for uninsured motorist coverage:
- Uninsured motorist bodily injury: $10,000 per person and $20,000 per accident
