|
Liability Requirements By State
|
| State |
State Requirements
|
|
|
Liability |
PIP |
Uninsured Motorist |
No-Fault |
Liability Minimums* |
Comments |
| Alabama |
Y |
N |
N |
N |
20/40/10 |
|
| Alaska |
Y |
N |
N |
N |
50/100/25 |
|
| Arizona |
Y |
N |
N |
N |
15/30/10 |
|
| Arkansas |
Y |
Y |
N |
N |
25/50/25 |
|
| California |
Y |
N |
N |
N |
15/30/5 |
Low-cost policy limits for drivers in the California Automobile Assigned Risk Plan are 10/20/3 |
| Colorado |
Y |
N |
N |
N |
25/50/15 |
|
| Connecticut |
Y |
N |
Y |
N |
20/40/10 |
|
| Delaware |
Y |
Y |
N |
N |
15/30/10 |
|
| Florida |
Y |
Y |
N |
Y |
10/20/10 |
Policyholders can satisfy the policy limit requirement with a single combined policy. |
| Georgia |
Y |
N |
N |
N |
25/50/25 |
|
| Hawaii |
Y |
Y |
Y |
N |
20/40/10 |
|
| Idaho |
Y |
JN |
N |
Y |
25/50/15 |
|
| Illinois |
Y |
N |
Y |
N |
20/40/15 |
|
| Indiana |
Y |
N |
N |
N |
25/50/10 |
|
| Iowa |
Y |
N |
N |
N |
20/40/15 |
|
| Kansas |
Y |
Y |
Y |
Y |
25/50/10 |
|
| Kentucky |
Y |
Y |
Y |
N |
25/50/10 |
|
| Louisiana |
Y |
N |
N |
N |
10/20/10 |
|
| Maine |
Y |
N |
Y |
N |
50/100/25 |
Policyholders must additionally carry $1,000 for medical payments. |
| Maryland |
Y |
Y |
Y |
N |
20/40/15 |
PIP may be waived for the policyholder, but it is required for passengers. |
| Massachusetts |
Y |
Y |
Y |
Y |
20/40/5 |
|
| Michigan |
Y |
Y |
N |
Y |
20/40/10 |
|
| Minnesota |
Y |
Y |
Y |
Y |
30/60/10 |
|
| Mississippi |
Y |
N |
N |
N |
25/50/25 |
|
| Missouri |
Y |
N |
Y |
N |
25/50/10 |
|
| Montana |
Y |
N |
N |
N |
25/50/10 |
|
| Nebraska |
Y |
N |
N |
N |
25/50/25 |
|
| Nevada |
Y |
N |
N |
N |
15/30/10 |
|
| New Hampshire |
N |
N |
Y |
N |
25/50/25 |
|
| New Jersey |
Y |
Y |
Y |
Y |
15/30/5 |
Policyholders may choose a basic policy with limits of 10/10/5. UM/UIM coverage is not available under a basic policy, but UIM is required under a standard policy. |
| New Mexico |
Y |
N |
N |
N |
25/50/10 |
|
| New York |
Y |
Y |
Y |
Y |
25/50/10 |
Policyholders must additionally carry 50/100 wrongful death coverage. |
| North Carolina |
Y |
N |
N |
N |
30/60/25 |
|
| North Dakota |
Y |
Y |
Y |
Y |
25/50/25 |
|
| Ohio |
Y |
N |
N |
N |
12.5/25/7.5 |
|
| Oklahoma |
Y |
N |
N |
N |
25/50/25 |
|
| Oregon |
Y |
Y |
Y |
N |
25/50/10 |
|
| Pennsylvania |
Y |
Y |
N |
Y |
15/30/5 |
|
| Rhode Island |
Y |
N |
Y |
N |
25/50/25 |
Policyholders can satisfy the policy limit requirement with a single combined policy. |
| South Carolina |
Y |
N |
Y |
N |
25/50/25 |
|
| South Dakota |
Y |
N |
Y |
N |
25/50/25 |
|
| Tennessee |
Y |
N |
N |
N |
25/50/10 |
Policyholders can satisfy the policy limit requirement with a single combined policy. |
| Texas |
Y |
N |
N |
N |
25/50/25 |
|
| Utah |
Y |
Y |
N |
Y |
25/50/15 |
Policyholders can satisfy the policy limit requirement with a single combined policy. |
| Vermont |
Y |
N |
Y |
N |
25/50/10 |
|
| Virginia |
Y |
Y |
Y |
N |
25/50/20 |
|
| Washington |
Y |
N |
N |
N |
25/50/10 |
|
| Washington D.C. |
Y |
N |
Y |
N |
25/50/10 |
|
| West Virginia |
Y |
N |
Y |
N |
20/40/10 |
|
| Wisconsin |
N |
N |
Y |
N |
25/50/10 |
|
| Wyoming |
Y |
N |
N |
N |
25/50/20 |
|