Auto Insurance List – Competitive Quotes And Auto Insurance Requirements For Each State

Here at AutoInsureList.com we believe it is important for all drivers to obtain auto insurance, at the most competitive rates with the best level of cover available. Securing the right auto insurance policy at a competitive price used to be a daunting experience but now due to our state of the art comparison service you can save both time and money, without the hassle of searching around and filling out multiple quote forms.

Most states require you to have a minimum level of liability insurance for bodily injury and property damage before you can legally drive your vehicle. Even in states that do not carry this requirement it makes sense to obtain car insurance to save yourself from the risk of hefty out-of-pocket expenses should you be unfortunate enough to become involved in an automobile accident.

All states have financial responsibility laws and drivers must be able to provide proof of financial responsibility up to at least these minimums. The easiest way to comply with these laws is to purchase auto liability insurance.

The table provided below for reference is an auto insurance list of the minimum level of liability cover required in order to comply with automobile financial responsibility laws for each state.

State Minimum Auto Insurance Liability Personal Injury Protection Required? Uninsured Motorist Cover Required? Underinsured Motorist Cover Required? Notes
Alabama 25/50/25 No No No
Alaska 50/100/25 No No No
Arizona 15/30/10 No No No
Arkansas 25/50/25 Yes No No
California 15/30/5 No No No Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
Colorado 25/50/15 No No No
Connecticut 20/40/10 No Yes Yes
Delaware 15/30/10 Yes No No
D.C. 25/50/10 No Yes No
Florida 10/20/10 Yes No No Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Georgia 25/50/25 No No No
Hawaii 20/40/10 Yes No No
Idaho 25/50/15 No No No
Illinois 20/40/15 No Yes No
Indiana 25/50/10 No No No
Iowa 20/40/15 No No No
Kansas 25/50/10 Yes Yes No
Kentucky 25/50/10 Yes No No
Louisiana 15/30/25 No No No
Maine 50/100/25 No Yes Yes In addition, policyholders must also carry at least $1,000 for medical payments.
Maryland 20/40/15 Yes Yes Yes PIP may be waived for the policyholder but is compulsory for passengers.
Massachusetts 20/40/5 Yes Yes No
Michigan 20/40/10 Yes No No
Minnesota 30/60/10 Yes Yes Yes
Mississippi 25/50/25 No No No
Missouri 25/50/10 No Yes No
Montana 25/50/10 No No No
Nebraska 25/50/25 No No No
Nevada 15/30/10 No No No
New Hampshire 25/50/25 No Yes No In addition, policyholders must also carry at least $1,000 for medical payments.
New Jersey 15/30/5 Yes Yes Yes Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy.
New Mexico 25/50/10 No No No
New York 25/50/10 Yes Yes No In addition, policyholders must have 50/100 for wrongful death coverage.
North Carolina 30/60/25 No Yes Yes
North Dakota 25/50/25 Yes Yes Yes
Ohio 12.5/25/7.5 No No No
Oklahoma 25/50/25 No No No
Oregon 25/50/20 Yes Yes No
Pennsylvania 15/30/5 Yes No No
Rhode Island 25/50/25 No Yes No Policyholders can decline to purchase uninsured coverage if he or she chooses to buy only the minimum limits of bodily injury and property damage liability coverage.
South Carolina 25/50/25 No Yes No
South Dakota 25/50/25 No Yes No
Tennessee 25/50/15 No No No Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Texas 25/50/25 No No No
Utah 25/65/15 Yes No No Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Vermont 25/50/10 No No No
Virginia 25/50/20 No Yes Yes
Washington 25/50/10 No No No
West Virginia 20/40/10 No Yes No
Wisconsin 50/100/15 No Yes No
Wyoming 25/50/20 No No No

Table compiled with data obtained from the Insurance Information Institute