How much car insurance you need depends on several factors, including where you live & what car you drive. Learn more about how much car insurance you need.
You need at least $50,000 in bodily injury liability car insurance coverage in most states, along with at least $25,000 in property damage liability insurance. Some states also require drivers to have uninsured motorist coverage and either PIP or MedPay.
A good rule of thumb is to supplement your state’s required auto insurance with enough extra coverage to match your net worth. This may entail increasing your liability coverage limits as well as adding optional types of car insurance such as collision and comprehensive coverage.
Car Insurance Requirements by State Types of Auto Insurance CoverageGetting Caught Driving Without Auto InsuranceVideo: How Much Car Insurance Do I Need?Ask The ExpertsFAQ About How Much Car Insurance You Need
State
Bodily Injury Liability (per person)
Bodily Injury Liability (per accident)
Property Damage Liability
Other Requirements
Alabama$25,000$50,000$25,000N/AAlaska$50,000$100,000$25,000N/AArizona$25,000$50,000$15,000N/AArkansas$25,000$50,000$25,000N/ACalifornia$15,000$30,000$5,000N/AColorado$25,000$50,000$15,000N/AConnecticut$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentDelaware$25,000$50,000$10,000Personal Injury Protection:$15,000 per person$30,000 per accidentFloridaN/AN/A$10,000Personal Injury Protection: $10,000Georgia$25,000$50,000$25,000N/AHawaii$20,000$40,000$10,000Personal Injury Protection: $10,000Idaho$25,000$50,000$15,000N/AIllinois$25,000$50,000$20,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentIndiana$25,000$50,000$25,000N/AIowa$20,000$40,000$15,000N/AKansas$25,000$50,000$25,000Personal Injury Protection: $4,500Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentKentucky$25,000$50,000$25,000N/ALouisiana$15,000$30,000$25,000N/AMaine$50,000$100,000$25,000Uninsured Motorist:$25,000 per person$50,000 per accidentMedPay: $2,000Maryland$30,000$60,000$15,000Uninsured Motorist:$30,000 bodily injury per person$60,000 bodily injury per accident$15,000 property damageMassachusetts$20,000$40,000$5,000Personal Injury Protection: $8,000Uninsured Motorist:$20,000 bodily injury per person$40,000 bodily injury per accidentMichigan$50,000$100,000$10,000Personal Injury Protection: $250,000 for most driversProperty Protection Insurance: $1,000,000Minnesota$30,000$60,000$10,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentPersonal Injury Protection: $40,000Mississippi$25,000$50,000$25,000N/AMissouri$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentMontana$25,000$50,000$20,000N/ANebraska$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentNevada$25,000$50,000$20,000N/ANew Hampshire$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentMedPay: $1,000New JerseyN/AN/A$5,000Personal Injury Protection: $15,000 (up to $250,000 for certain injuries)New Mexico$25,000$50,000$10,000N/ANew York$25,000$50,000$10,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentPersonal Injury Protection: $50,000North Carolina$30,000$60,000$25,000Uninsured Motorist:$30,000 bodily injury per person$60,000 bodily injury per accident$25,000 property damageNorth Dakota$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentPersonal Injury Protection: $30,000Ohio$25,000$50,000$25,000N/AOklahoma$25,000$50,000$25,000N/AOregon$25,000$50,000$20,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentPersonal Injury Protection: $15,000Pennsylvania$15,000$30,000$5,000Personal Injury Protection: $5,000Rhode Island$25,000$50,000$25,000N/ASouth Carolina$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accident$25,000 property damageSouth Dakota$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentTennessee$25,000$50,000$15,000N/ATexas$30,000$60,000$25,000N/AUtah$25,000$65,000$15,000Personal Injury Protection: $3,000Vermont$25,000$50,000$10,000Uninsured Motorist: $50,000 bodily injury per person$100,000 bodily injury per accident$10,000 property damage per accidentVirginia$30,000$60,000$20,000Uninsured Motorist:$30,000 bodily injury per person$60,000 bodily injury per accident$20,000 property damageWashington$25,000$50,000$10,000N/AWest Virginia$25,000$50,000$25,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accident$25,000 property damageWisconsin$25,000$50,000$10,000Uninsured Motorist:$25,000 bodily injury per person$50,000 bodily injury per accidentWyoming$25,000$50,000$20,000N/A
Liability insurance includes both bodily injury liability insurance and property damage liability insurance and pays for the other driver’s expenses after accidents that you cause. It can also cover your legal expenses if you are sued after you cause an accident.
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