State Minimum Car Insurance

Nearly every state requires a minimum amount of car insurance to be legally allowed to drive. Depending on where you live, the amount and types of coverage you need will vary.

Most states require some level of liability insurance. Liability covers the other party in the event you cause an accident. No-fault states, which include 12 states plus Washington D.C., also usually require medical payments (MedPay) or personal injury protection (PIP) coverage, which cover medical costs. Uninsured and underinsured motorist coverage may also be required.

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Minimum Coverage Requirements by State

State minimum coverage requirements vary wildly between states. Different states require both different types of coverage and different amounts of coverage. For example, a liability state might have a state minimum of 30/50/15 -- or $30,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability. There are states that require more than just liability insurance as well.

Given how different each state’s standards are, it’s important that you keep up with the state minimum standards of your state in particular. Find your state’s minimum requirements on the table below:

State Minimum Requirements for

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $15,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $15,000 per person, $30,000 per accident
  • Property damage liability: $5,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $15,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist bodily damage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection: $15,000 per person, $30,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured motorist property damage coverage: $5,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection: $10,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $20,000 per person, $40,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection: $10,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $15,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $20,000 per person, $40,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Personal injury protection: $4,500 for medical expenses per person, $900 for disability or loss of income per month, $4,500 for rehabilitation services, $25 for in-home services per day, $2,000 for funeral costs
  • Survivor benefits: $900 per month for up to a year for disability or loss of income, $25 for in-home services per day
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $15,000 per person, $30,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $50,000 per person, $100,000 per accident
  • MedPay coverage: $2,000
  • Bodily injury liability: $30,000 per person, $60,000 per accident
  • Property damage liability: $15,000 per accident
  • Uninsured/underinsured motorist coverage: $30,000 per person, $60,000 per accident
  • Uninsured/underinsured property damage coverage: $15,000 per accident
  • Personal injury protection: $2,500
  • Bodily injury liability: $20,000 per person, $40,000 per accident
  • Property damage liability: $5,000 per accident
  • Uninsured motorist coverage: $20,000 per person, $40,000 per accident
  • Personal injury protection: $8,000
  • Bodily injury liability: $20,000 per person, $40,000 per accident
  • Property damage liability: $10,000 per accident
  • Property protection insurance: $1 million per accident within Michigan
  • Personal injury protection: opt-out, $50,000, $250,000, $500,000, unlimited
  • Bodily injury liability: $30,000 per person, $60,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Personal injury protection: $40,000
  • Bodily injury liability: $25,000 per person, $65,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $25,000
  • MedPay coverage: $1,000
  • Car insurance is optional in New Hampshire. For drivers that opt to purchase insurance, these are the minimum requirements.
  • Property damage liability: $5,000 per accident
  • Personal injury protection: $15,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Liability for death: $50,000 per person, $100,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
  • Personal injury protection: $50,000
  • Bodily injury liability: $30,000 per person, $60,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $30,000 per person, $60,000 per accident
  • Uninsured motorist property damage coverage: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Personal injury protection: $30,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Personal injury protection: $15,000
  • Bodily injury liability: $15,000 per person, $30,000 per accident
  • Property damage liability: $5,000 per accident
  • Medical benefits: $5,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured motorist property damage coverage: $25,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $15,000 per accident
  • Bodily injury liability: $30,000 per person, $60,000 per accident
  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $25,000 per person, $65,000 per accident
  • Property damage liability: $15,000 per accident
  • Personal injury protection: $3,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $50,000 per person, $100,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $10,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $20,000 per accident
  • Car insurance is optional in Virginia. Drivers that don’t purchase insurance must pay a $500 fee. For drivers that opt to purchase insurance, these are the minimum requirements.
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured motorist property damage coverage: $5,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Uninsured motorist property damage coverage: $25,000
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident

Is State Minimum Coverage Enough?

State minimum insurance can cover you in a minor accident but may not be enough for anything more serious. When considering medical bills, property damages, and lawsuits, a car accident with injuries could easily cost $100,000 or more, depending on the severity.

Though state minimum insurance will have the lowest rates and premiums, purchasing a policy with greater or full coverage can provide more peace of mind, and in the event of an accident, make more financial sense in the long run. For those in a liability state, aiming for coverage around 100/300/50 -- or $100,000 in bodily injury per person, $300,000 in bodily injury per accident, and $50,000 in property damage -- is often recommended. Note that opting for a higher deductible and making sure that you take advantage of all available discounts could help make your premium more affordable when purchasing higher coverage.

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