Minimum Car Insurance Coverage Requirements by State

What do you understand by insurance coverage?

Insurance coverage is simply the protection you enjoy when you enter into agreement with your insurance company to pay an agreed amount called premium. Having paid the insurance premium, the insurance company will pay for damages in case of eventuality in line with the specific insurance policy. Car insurance coverage is compulsory for every driver. The reason is to provide protection for drivers, passengers, pedestrians and general public.  If it is not made compulsory, you will realise that some drivers will not deem it necessary to insure their cars. Since car insurance is compulsory for all drivers, it becomes an obligation for people to insure their cars. Failure to do this shall be regarded as a break of law and this can attract untold penalties. In other to ensure compliance, each state has minimum car insurance coverage requirements. What this means is that, if at all a driver cannot afford full insurance coverage, he should be able to buy the prescribed the minimum car insurance coverage before he could be allowed to drive a car. The minimum car insurance coverage requirements vary from state to state. That is, the minimum car insurance coverage requirements in New York may not necessarily be the same as minimum car insurance coverage requirements  in Texas. Before I take you through the minimum car insurance coverage requirements as applicable in each State, it is important that you understand the different types of car insurance. This will help you to decide whether you are comfortable with minimum car insurance coverage requirements or not. There are different types of car insurance coverage. Some major or popular ones are discussed below:

Bodily Injury Liability

This insurance coverage protects you and family members listed on the policy against injuries caused to someone else when driving your car or someone else’s car. However, it is expected that you drive someone else’s car with their permission. Without their permission, you should not expect that you will enjoy this insurance coverage. In case of accident, your car insurance company will have to pay for medical bills, pains, suffering, loss of income and funeral expenses (in case of death) of person(s) in the accident in which you are legally responsible for. Under bodily injury liability insurance coverage, your insurer will pay for legal and court costs incurred to defend you in case of lawsuit arising from the accident. However, if the amount involved is large, your state required minimum car insurance coverage may not provide you adequate protection. That is why it is advisable that you have enough liability insurance to ensure that your assets such as home or savings are protected from claims.

Medical Payment or Personal Injury Protection (PIP)

Just as the name implies, this insurance coverage pays for the medical expenses of the injured driver and passengers in your car. You may need to find out from your state or your auto insurance company whether this insurance coverage will apply if you are injured by a vehicle as a pedestrian. This can also cover lost wages, funeral burial or cremation costs of the injured person

Property Damage Liability

If you are the one responsible for the accident, this insurance coverage will pay for damage you may cause to someone else’s property. Please note that this does not cover not cover any damage to your car. That is, it covers the cost to repair the other person’s property and the costs of repair of anything you hit with your vehicle. This may be street lamp, telephone posts, fence, building or any other structure. This insurance coverage is among the required minimum car insurance in most states in the United States.

Collision

This insurance coverage pays for damage to your car as a result of collision with another car or object. It also covers damage caused by potholes. One good thing about this insurance coverage is that, even if you are responsible for the accident, you will still be reimbursed for the costs of repairing your car. However, in case you bought the insurance with deductibles, this will be deducted. If the investigation proves that you are not at fault, your auto insurance company can help you recover the cost of repairing your car from the other driver. This means that your car insurance company will reimburse you the deductibles.

Comprehensive

This insurance coverage pays you if your car is stolen, or damaged caused by something other than a collision by anything other than car accidents such as storms, floods, falling objects, explosions, earthquakes, vandalism or contact with an animal, such as hitting a deer. This insurance coverage will also reimburse you for cracked windshield. You may need to find out if your car insurance company offer this insurance coverage with deductible. If you want to keep your premiums low, you will be at liberty to choose a deductible that you can easily pay out of pocket in case of any accident.

Uninsured and Underinsured Motorist Coverage

This insurance coverage will reimburse you the cost of injuries to you or your passengers if you’re hit by a driver who doesn’t have enough, or any, car insurance.  You will be paid the medical expenses and related expenses you have incurred up to your insurance coverage limits

Read Also: How to Get Really Cheap Car Insurance Quotes

Minimum Car Insurance Coverage Requirements

For people interested in lowering their car insurance premium or those who don’t want full coverage car insurance, below is the minimum car insurance coverage requirements as allowed by laws from each state.

Alabama

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

$25,000

$50,000

$25,000

Alaska

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$50,000

$100,000

$25,000

Arizona

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$25,000

$50,000

$25,000

Arkansas

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$15,000

$30,000

$10,000

California

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$15,000

$30,000

$5,000

Colorado

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$15,000

Connecticut

bodily injury liability per person

bodily injury liability per accident

property damage liability per accident

uninsured/under-insured motorist coverage per person

Uninsured/under-insured motorist coverage per accident 

 

$20,000

$40,000

$10,000

$20,000

$40,000

Delaware

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$15,000

$30,000

$10,000

Florida

Property Damage Liability Per Accident

Personal Injury Protection 

 

$10,000

$10,000

Georgia

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$25,000

Hawaii

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Personal Injury Protection 

 

$20,000

$40,000

$10,000

$10,000

Idaho

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$25,000

$50,000

$15,000

Illinois

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

 

$25,000

$50,000

$20,000

$25,000

$50,000

Indiana

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$10,000

Iowa

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$20,000

$40,000

$15,000

Kansas

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Underinsured Motorist Coverage Per Person

Uninsured/Underinsured Motorist Coverage Per Accident

$4,500 per person for medical expenses, $900 per month for one year for disability per loss of income, $25 per day for in-home services, $2,000 for funeral, burial or cremation expense, $4,500 for rehabilitation expense

 

$25,000

$50,000

$10,000

$25,000

$50,000

Kentucky

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Personal Injury Protection 

 

$25,000

$50,000

$10,000

$10,000

Louisiana

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$15,000

$30,000

$25,000

Maine

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Medical Payments Coverage 

 

$50,000

$100,000

$25,000

$50,000

$100,000

$2,000

Maryland

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$30,000

$60,000

$15,000

Massachusetts

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Personal Injury Protection

 

$20,000

$40,000

$5,000

$20,000

$40,000

$8,000

Michigan

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Personal Injury Protection

Property Protection

 

$20,000

$40,000

$10,000

No limit

$1,000,000

Minnesota

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Underinsured Motorist Coverage Per Person

Uninsured/Underinsured Motorist Coverage Per Accident

Personal Injury Protection 

 

$30,000

$60,000

$10,000

$25,000

$50,000

$40,000

Mississippi

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$25,000

Missouri

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident 

 

$25,000

$50,000

$10,000

$25,000

$50,000

Montana

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$10,000

Nebraska

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident 

 

$25,000

$50,000

$25,000

$25,000

$50,000

Nevada

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$15,000

$30,000

$10,000

New Hampshire

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Under-insured Motorist Coverage Per Person

Uninsured/Under-insured Motorist Coverage Per Accident

Uninsured/Under-insured Motorist Property Damage Coverage

Medical Payments Coverage 

 

$25,000

$50,000

$25,000

$25,000

$50,000

$25,000

$1,000

New Jersey

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Personal Injury Protection 

 

$15,000

$30,000

$5,000

$15,000

New Mexico

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$10,000

New York

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Liability For Death Per Person

Liability For Death Per Accident

Property Damage Liability Per Accident

Personal Injury Protection

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

 

$25,000

$50,000

$50,000

$100,000

$10,000

$50,000

$25,000

$50,000

North Carolina

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Uninsured Motorist Property Damage Coverage Per Accident

 

$30,000

$60,000

$25,000

$30,000

$60,000

$25,000

North Dakota

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Underinsured Motorist Coverage Per Person

Uninsured/Underinsured Motorist Coverage Per Accident

Personal Injury Protection

 

$25,000

$50,000

$25,000

$25,000

$50,000

$30,000

Ohio

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$25,000

Oklahoma

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$25,000

Oregon

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Personal Injury Protection 

 

$25,000

$50,000

$20,000

$25,000

$50,000

$15,000

Pennsylvania

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Medical Benefits 

 

$15,000

$30,000

$5,000

$5,000

Rhode Island

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$25,000

South Carolina

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Uninsured Motorist Property Damage Coverage 

 

$25,000

$50,000

$25,000

$25,000

$50,000

$25,000

South Dakota

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Underinsured Motorist Coverage Per Person

Uninsured/Underinsured Motorist Coverage Per Accident 

 

$25,000

$50,000

$25,000

$25,000

$50,000

Tennessee

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$15,000

Texas

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$30,000

$60,000

$25,000

Utah

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Personal Injury Protection 

 

$25,000

$65,000

$15,000

$3,000

Virginia

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$20,000

Vermont

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Underinsured Motorist Coverage Per Person

Uninsured/Underinsured Motorist Coverage Per Accident

Uninsured/Underinsured Motorist Property Damage Coverage Per Accident 

 

$25,000

$50,000

$10,000

$50,000

$100,000

$10,000

Washington

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident 

 

$25,000

$50,000

$10,000

Washington D.C.

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured/Under-insured Motorist Coverage Per Person

Uninsured/Under-insured Motorist Coverage Per Accident

Uninsured/Under-insured Motorist Property Damage Coverage Per Accident 

 

$25,000

$50,000

$10,000

$25,000

$50,000

$5,000

West Virginia

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident

Uninsured Motorist Property Damage Coverage 

 

$25,000

$50,000

$25,000

$25,000

$50,000

$25,000

Wisconsin

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

Uninsured Motorist Coverage Per Person

Uninsured Motorist Coverage Per Accident 

 

$25,000

$50,000

$10,000

$25,000

$50,000

Wyoming

Bodily Injury Liability Per Person

Bodily Injury Liability Per Accident

Property Damage Liability Per Accident

 

$25,000

$50,000

$20,000

Please note that the minimum car insurance coverage in each state may not be sufficient for you. However, you are allowed to buy additional insurance coverage. What each state did was to provide a minimum benchmark which all drivers are expected to comply with.

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