Do the minimum Auto Insurance Requirements provide enough coverage?
This table represents only required minimum auto insurance requirements. But our agency suggest it to be in your best interest to purchase coverage above the minimums if and when you can afford to. With bodily injury liability, for instance, most insurance professionals recommend that your coverage limits be at least $100,000 per person and $300,000 per accident, especially if you are a homeowner. And in Texas, when you increase you limits to 50/100/50, you almost double your coverage, but the cost is minimal.
State-by-state minimum auto insurance requirements
The following table provides up-to-date information on each state’s minimum coverage requirements. The first two figures refer to bodily injury liability limits, and the third figure refers to the property damage liability limit. For example, 25/50/25 means coverage up to $20=5,000 for each person injured in an accident, up to a maximum of $50,000 for the entire accident, and $25,000 worth of coverage for property damage. The state minimums are based on the most current information available. But you should always check your specific state requirements to verify these figures. As of August 1, 2016:
| State | Type(s) of Coverage Required | Minimum Liability Limits |
| AL | Bodily Injury and Property Damage Liability | 25/50/25 |
| 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 | 25/50/15 |
| CT | Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist | 20/40/10 |
| DE | Bodily Injury and Property Damage Liability, Personal Injury Protection | 15/30/10 |
| 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 | 15/30/25 |
| ME | Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist | 50/100/25 |
| MD | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 20/40/15 |
| 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/Underinsured Motorist | 30/60/10 |
| MS | Bodily Injury and Property Damage Liability | 25/50/25 |
| 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, Uninsured Motorist | 25/50/25 |
| NJ | Bodily Injury and Property Damage Liability (Standard Limits Shown), 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 | 25/50/25 |
| OR | Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| PA | Bodily Injury and Property Damage Liability, Personal Injury Protection | 15/30/5 |
| RI | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/25 |
| SC | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/25 |
| SD | Bodily Injury and Property Damage Liability, Uninsured Motorist | 25/50/25 |
| TN | Bodily Injury and Property Damage Liability | 25/50/15 |
| TX | Bodily Injury and Property Damage Liability | 30/60/25 |
| UT | Bodily Injury and Property Damage Liability, Personal Injury Protection | 25/65/15 |
| VT | Bodily Injury and Property Damage Liability, Uninsured/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 | 50/100/15 |
| WY | Bodily Injury and Property Damage Liability | 25/50/20 |
