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Liability Requirements By State
State
State Requirements
  
  Liability PIP Uninsured Motorist No-Fault Liability Minimums*  Comments
Alabama Y N N N 25/50/25  
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 drives 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. Amounts vary by state.
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 15/30/25  
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  
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. Amounts vary by state.
South Carolina Y N Y N 25/50/25  
South Dakota Y N Y N 25/50/25  
Tennessee Y N N N 25/50/15 Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
Texas Y N N N 30/60/30  
Utah Y Y N Y 25/65/15 Policyholders can satisfy the policy limit requirement with a single combined policy. Amounts vary by state.
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 Y** N Y N 50/100/55  **Affective June 1, 2010
Wyoming Y N N N 25/50/20  

*  Liability Minimums: aa/bb/cc
    aa = Bodily Injury Coverage per Person
    bb = Bodily Injury Coverage per Accident
    cc = Property Damage Coverage

Note that this information is provided as a general guideline. For the actual state requirements, talk to your carrier or your state insurance commission.

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