Insurance Coverage Requirements by State

Each state has its own department of insurance, which implements its own regulations and laws that dictate automobile insurance, so the legal amount of coverage will vary from state to state. However, no matter what state you live in, insurance is mandatory. It provides financial protection from any damages, whether physical or bodily injuries, from any car accident. Some vehicle insurance policies may include a form of coverage that will protect you in the event that your vehicle is stolen or damaged from other ways other than a collision. Because the federal government leaves the automobile insurance regulations up to each state, you want to be sure to check with your state before purchasing coverage to ensure that you have the proper and legal amount of protection on your insurance policy. Your state also dictates how insurance is sold in the minimum amount that you must purchase. For instance, most states require the driver to purchase the basic or minimum amount of liability, which covers damages to the other person's property or any injuries they may have gotten from the accident. Because car insurance claims are often in the thousands, and even millions, federal and state laws mandate that insurance companies have a certain amount of money put aside to handle these claims.

When you receive a ticket or are involved in an automobile accident in a different state other than where your insurance is from, it can get a little confusing because of the different regulations that each state governs. Because of this, you will have to treat each scenario differently. If you are traveling, it's best to check that state's insurance laws so that you are properly insured in the event that the unfortunate occurs. To do so, simply check out the State Department of Motor Vehicles website. Your insurance provider is also a good source of knowledge as they will know what to do in these types of situations and offer you any additional temporary coverage that you might need on your journey. Worst case scenario, that you do not have the adequate insurance coverage for that specific state, your insurance policy will adjust to meet the legal requirements of the state in which the accident occurred. Furthermore, if you are involved in an accident in a no fault state, then your car insurance policy will automatically adjust to a no fault policy. However, if you intend on staying in another state for a long period of time, then it is best to switch your insurance policy to meet the legal requirements of the state you plan to be in.

    Alabama:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Alaska:
  • $50,000 for injury/death to one person
  • $100,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Arizona:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Arkansas:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    California:
  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage property.
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Colorado:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Connecticut:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and uninsured motorist required
  • No fault insurance not required.
    Delaware:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance not required.
    Washington DC:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance IS required.
    Florida:
  • $10,000 for injury/death to one person
  • $20,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance IS required.
    Georgia:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Hawaii:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance IS required.
    Idaho:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability and uninsured motorist required
  • No fault insurance not required.
    Illinois:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Indiana:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Iowa:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Kansas:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance IS required.
    Kentucky:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance IS required.
    Louisiana:
  • $10,000 for injury/death to one person
  • $20,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Maine:
  • $50,000 for injury/death to one person
  • $100,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability and uninsured motorist required
  • No fault insurance not required.
    Maryland:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability and uninsured and underinsured motorist required
  • No fault insurance not required.
    Massachusetts:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $5,000 for damage property
  • Bodily injury and property damage liability and personal injury protection, uninsured motorist required
  • No fault insurance IS required.
    Michigan:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection required
  • No fault insurance IS required.
    Minnesota:
  • $30,000 for injury/death to one person
  • $60,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and personal injury protection, uninsured motorist required
  • No fault insurance IS required.
    Mississippi:
  • $10,000 for injury/death to one person
  • $20,000 for injury/death to more than one person
  • $5,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Missouri:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and uninsured motorist required
  • No fault insurance not required.
    Montana:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability and required
  • No fault insurance not required.
    Nebraska:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability, uninsured and underinsured motorist required
  • No fault insurance not required.
    Nevada:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    New Hampshire:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Proof of financial responsibility, medical payments, uninsured motorist required
  • No fault insurance not required.
    New Jersey:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for damage property
  • Bodily injury and property damage liability, personal injury protection, uninsured motorist required
  • No fault insurance IS required.
    New Mexico:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    New York:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability, uninsured motorist, personal injury protection required
  • No fault insurance IS required.
    North Carolina:
  • $30,000 for injury/death to one person
  • $60,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    North Dakota:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
  • No fault insurance IS required.
    Ohio:
  • $12,500 for injury/death to one person
  • $25,000 for injury/death to more than one person
  • $7,500 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Oklahoma:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Oregon:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Pennsylvania:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for damage property
  • Bodily injury and property damage liability, medical payments required
  • No fault insurance IS required.
    Rhode Island:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    South Carolina:
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability, uninsured motorist required
  • No fault insurance not required.
    South Dakota:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage property
  • Bodily injury and property damage liability, uninsured motorist required
  • No fault insurance not required.
    Tennessee:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Proof of financial responsibility required
  • No fault insurance not required.
    Texas:
  • $30,000 for injury/death to one person
  • $60,000 for injury/death to more than one person
  • $30,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    Utah:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $15,000 for damage property
  • Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
  • No fault insurance IS required.
    Vermont:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability, uninsured motorist required
  • No fault insurance not required.
    Virginia:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $20,000 for damage property
  • Bodily injury and property damage liability, uninsured and underinsured motorist required
  • No fault insurance not required.
    Washington:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.
    West Virginia:
  • $20,000 for injury/death to one person
  • $40,000 for injury/death to more than one person
  • $10,000 for damage property
  • Bodily injury and property damage liability, uninsured motorist
  • No fault insurance not required.
    Wisconsin:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $10,000 for damage property
  • Proof of financial responsibility, uninsured motorist
  • No fault insurance not required.
    Wyoming:
  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $20,000 for damage property
  • Bodily injury and property damage liability required
  • No fault insurance not required.

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