How Much Car Insurance Does Each State Require?
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By Matic
When it comes to buying car insurance, it’s normal to have questions. Whether you’re a new driver buying your first policy, or a seasoned roadster thinking about switching carriers, one of the most commonly asked questions is: How much car insurance do I need?
Unfortunately, there is no single answer that will apply to every driver in every circumstance. How much car insurance you need will vary depending on your financial situation and other factors — like the state you live in.
That’s right: Each state sets its own car insurance requirements. At a minimum, drivers need to carry the amount of coverage required by the state in which they live.
Below, we’ve compiled an easy-to-use chart to help you find your state’s minimum coverage requirements. We also answer other questions you may have so that you’ll be in a better position to purchase the coverage that’s right for you.
Types of Coverage Required
Car insurance policies provide different types of coverage. With this in mind, states typically set a minimum amount of coverage for each coverage type that is required by law in that state. Most commonly, you will find that states specify a minimum amount of coverage for:
- Bodily injury liability per person
- Bodily injury liability per accident
- Property damage liability per accident
That being said, some states may have minimum requirements for other types of coverage as well, such as:
- Uninsured/underinsured motorist coverage per person
- Uninsured/underinsured motorist coverage per accident
- Personal injury protection per person
- Personal injury protection per accident
- Medical payments coverage
Car Insurance Requirements by State
| State | Liability Coverage Requirements | Other Coverage Requirements |
|---|---|---|
| Alabama | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Alaska | $50,000 bodily injury per person $100,000 bodily injury per accident $25,000 property damage per accident | None |
| Arizona | $25,000 bodily injury per person $50,000 bodily injury per accident $15,000 property damage per accident | None |
| Arkansas | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| California | $15,000 bodily injury per person $30,000 bodily injury per accident $5,000 property damage per accident | None |
| Colorado | $25,000 bodily injury per person $50,000 bodily injury per accident $15,000 property damage per accident | None |
| Connecticut | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident |
| Delaware | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | $15,000 personal injury protection per person $30,000 personal injury protection per accident |
| Florida | $10,000 property damage per accident | $10,000 personal injury protection |
| Georgia | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Hawaii | $20,000 bodily injury per person $40,000 bodily injury per accident $10,000 property damage per accident | $10,000 personal injury protection |
| Idaho | $25,000 bodily injury per person $50,000 bodily injury per accident $15,000 property damage per accident | None |
| Illinois | $25,000 bodily injury per person $50,000 bodily injury per accident $20,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
| Indiana | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Iowa | $20,000 bodily injury per person $40,000 bodily injury per accident $15,000 property damage per accident | None |
| Kansas | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $4,500 personal injury protection per accident |
| Kentucky | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $10,000 personal injury protection per accident |
| Louisiana | $15,000 bodily injury per person $30,000 bodily injury per accident $25,000 property damage per accident | None |
| Maine | $50,000 bodily injury per person $100,000 bodily injury per accident $25,000 property damage per accident | $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $2,000 medical payments coverage |
| Maryland | $30,000 bodily injury per person $60,000 bodily injury per accident $15,000 property damage per accident | $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $15,000 uninsured/underinsured property damage coverage per accident |
| Massachusetts | $20,000 bodily injury per person $40,000 bodily injury per accident $5,000 property damage per accident | $20,000 uninsured motorist coverage per person $40,000 uninsured motorist coverage per accident $8,000 personal injury protection |
| Michigan | $50,000 bodily injury per person $100,000 bodily injury per accident $10,000 property damage per accident | $1 million property protection insurance per accident $250,000 personal injury protection |
| Minnesota | $30,000 bodily injury per person $60,000 bodily injury per accident $10,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $40,000 personal injury protection |
| Mississippi | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Missouri | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
| Montana | $25,000 bodily injury per person $50,000 bodily injury per accident $20,000 property damage per accident | None |
| Nebraska | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident |
| Nevada | $25,000 bodily injury per person $50,000 bodily injury per accident $20,000 property damage per accident | None |
| New Hampshire | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $1,000 medical payments coverage |
| New Jersey | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $15,000 personal injury protection |
| New Mexico | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | None |
| New York | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection |
| North Carolina | $30,000 bodily injury per person $60,000 bodily injury per accident $25,000 property damage per accident | $30,000 uninsured motorist coverage per person $60,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage per accident |
| North Dakota | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $30,000 personal injury protection |
| Ohio | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Oklahoma | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| Oregon | $25,000 bodily injury per person $50,000 bodily injury per accident $20,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $15,000 personal injury protection |
| Pennsylvania | $15,000 bodily injury per person $30,000 bodily injury per accident $5,000 property damage per accident | $5,000 medical benefits |
| Rhode Island | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | None |
| South Carolina | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage |
| South Dakota | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident |
| Tennessee | $25,000 bodily injury per person $50,000 bodily injury per accident $15,000 property damage per accident | None |
| Texas | $30,000 bodily injury per person $60,000 bodily injury per accident $25,000 property damage per accident | None |
| Utah | $25,000 bodily injury per person $65,000 bodily injury per accident $15,000 property damage per accident | $3,000 personal injury protection |
| Vermont | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $10,000 uninsured/underinsured motorist property damage coverage per accident |
| Virginia | $30,000 bodily injury per person $60,000 bodily injury per accident $20,000 property damage per accident | $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $20,000 uninsured/underinsured motorist property damage coverage per accident |
| Washington | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | None |
| Washington, D.C. | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $5,000 uninsured motorist property damage coverage per accident |
| West Virginia | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage |
| Wisconsin | $25,000 bodily injury per person $50,000 bodily injury per accident $10,000 property damage per accident | $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
| Wyoming | $25,000 bodily injury per person $50,000 bodily injury per accident $20,000 property damage per accident | None |
States Where Car Insurance Isn’t Required
Are there any states where car insurance isn’t required? Yes, there are.
In New Hampshire, residents that are able to prove they have sufficient resources are allowed to forego car insurance. Individuals who do not meet the resource requirements but still choose not to purchase car insurance face the suspension of their license and car registration.
Car insurance is required in Virginia, but the state allows residents to opt out of the insurance requirements by paying a $500 annual uninsured motorist fee. Importantly, this fee does not provide coverage; it simply waives the requirement to carry car insurance.
Even if you live in a state that does not require car insurance, in order to protect your finances in the event you have an accident, it is typically recommended that you carry insurance.
Is minimum coverage enough?
By law, you must carry at least the minimum amount of coverage required by the state in which you live. But does that mean that minimum coverage is enough?
The answer: It depends.
State requirements often provide enough coverage to financially protect you from most minor accidents. But if you are involved in a more serious accident, the required amounts listed above may not fully cover the full costs of the incident. At the end of the day, only you can decide how much coverage is right for you, based on your personal financial circumstances.
Here at Matic, we want to make purchasing car insurance as easy and stress free as possible. Just answer a few questions, and in less than a minute you’ll receive a personalized quote pairing you with recommended coverage from one of our trusted partners.
What are the car insurance requirements in…
Alabama
In Alabama, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Alabama does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Alaska
In Alaska, drivers are required to carry at least:
- $50,000 bodily injury liability coverage per person
- $100,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Alaska does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Alaska residents who live in extremely remote regions may be allowed to waive coverage requirements.
Arizona
In Arizona, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
As of June 2023, Arizona does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Arkansas
In Arkansas, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Arkansas does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
California
In California, drivers are required to carry at least:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage per accident
California recommends that drivers carry a minimum of $15,000 uninsured/underinsured motorist coverage per person ($30,000 per accident). That being said, as of June 2023, this coverage is not required, and can be rejected by the driver.
Colorado
In Colorado, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
As of June 2023, Colorado does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Connecticut
In Connecticut, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Connecticut also requires that drivers carry a minimum of $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Delaware
In Delaware, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Delaware also requires drivers to carry at least $15,000 personal injury protection per person and $30,000 personal injury protection per accident.
Florida
In Florida, the only type of liability coverage drivers must carry is $10,000 of property damage liability coverage per accident. Drivers must also carry $10,000 of personal injury protection per accident.
Florida recommends that drivers carry a minimum of $10,000 uninsured/underinsured motorist coverage per person ($20,000 per accident). That being said, as of June 2023, this coverage is not required, and can be rejected by the driver.
Georgia
In Georgia, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Georgia does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Hawaii
In Hawaii, drivers are required to carry at least:
- $20,000 bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Hawaii also requires drivers to carry at least $10,000 personal injury protection per accident. As of June 2023, the state does not require drivers to carry uninsured/underinsured motorist coverage.
Idaho
In Idaho, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
As of June 2023, Idaho does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Illinois
In Illinois, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
Illinois also requires that drivers carry a minimum of $25,000 uninsured motorist coverage per person ($50,000 per accident).
Indiana
In Indiana, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
The state recommends that drivers carry uninsured/underinsured motorist coverage, but this can be rejected in writing. The minimums recommended by the state are:
- $25,000 uninsured motorist bodily injury coverage per person
- $25,000 uninsured motorist bodily injury coverage per accident
- $25,000 uninsured motorist property damage coverage per accident
- $50,000 underinsured motorist bodily injury per person, per accident
Iowa
In Iowa, drivers are required to carry at least:
- $20,000 bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
As of June 2023, Iowa does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Kansas
In Kansas, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Kansas also requires that drivers carry a minimum of $4,500 personal injury protection per accident, and $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Kentucky
In Kentucky, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Kentucky also requires that drivers carry at least $10,000 in personal injury protection coverage. Kentucky does not require drivers to carry uninsured/underinsured motorist coverage, or other types of coverage.
Louisiana
In Louisiana, drivers are required to carry at least:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Louisiana does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Maine
In Maine, drivers are required to carry at least:
- $50,000 bodily injury liability coverage per person
- $100,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Maine also requires that drivers carry a minimum of $2,000 in medical payments coverage per person, and $50,000 uninsured/underinsured motorist coverage per person ($100,000 per accident).
Maryland
In Maryland, drivers are required to carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
Maryland also requires that drivers carry a minimum of $30,000 uninsured/underinsured motorist coverage per person ($60,000 per accident) and $15,000 uninsured/underinsured property damage coverage per accident.
Massachusetts
In Massachusetts, drivers are required to carry at least:
- $20,000 bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage per accident
Massachusetts also requires that drivers carry a minimum of $8,000 in personal injury protection, and $20,000 uninsured motorist coverage per person ($40,000 per accident).
Michigan
In Michigan, drivers are required to carry at least:
- $50,000 bodily injury liability coverage per person
- $100,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Michigan also requires that drivers carry $1 million in property protection insurance (per accident) and $250,000 in personal injury protection. Drivers who are currently on Medicare or Medicaid may qualify for lower PIP requirements. As of June 2023, Michigan does not currently require uninsured/underinsured motorist coverage
Minnesota
In Minnesota, drivers are required to carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
The state also requires that drivers carry a minimum of $40,000 in personal injury protection, and $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Mississippi
In Mississippi, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Mississippi does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Missouri
In Missouri, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Missouri also requires that drivers carry a minimum of $25,000 uninsured motorist coverage per person ($50,000 per accident).
Montana
In Montana, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
As of June 2023, Montana does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Nebraska
In Nebraska, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Nebraska also requires that drivers carry a minimum of $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Nevada
In Nevada, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
As of June 2023, Nevada does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
New Hampshire
In New Hampshire, drivers are required to either meet certain asset thresholds or else carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
New Hampshire also requires that drivers carry a minimum of $1,000 in medical payments coverage, and $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
New Jersey
In New Jersey, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
New Jersey also requires that drivers carry a minimum of $15,000 in personal injury protection, and $25,000 uninsured motorist coverage per person ($50,000 per accident).
New Mexico
In New Mexico, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
As of June 2023, New Mexico does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
New York
In New York, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
New York also requires that drivers carry a minimum of $50,000 in personal injury protection, and $25,000 uninsured motorist coverage per person ($50,000 per accident).
North Carolina
In North Carolina, drivers are required to carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
North Carolina also requires that drivers carry a minimum of $30,000 uninsured motorist coverage per person ($60,000 per accident) and $25,000 in uninsured motorist property damage coverage.
North Dakota
In North Dakota, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
North Dakota also requires that drivers carry a minimum of $30,000 in personal injury protection, and $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Ohio
In Ohio, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Ohio does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Oklahoma
In Oklahoma, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
As of June 2023, Oklahoma does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Oregon
In Oregon, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
Oregon also requires that drivers carry a minimum of $15,000 in personal injury protection, and $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Pennsylvania
In Pennsylvania, drivers are required to carry at least:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage per accident
Pennsylvania also requires that drivers carry a minimum of $5,000 in personal injury protection. While the state recommends that drivers carry $15,000 uninsured/underinsured motorist coverage per person ($30,000 per accident), this coverage can be waived.
Rhode Island
In Rhode Island, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
While Rhode Island recommends that drivers carry $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident), this coverage can be waived.
South Carolina
In South Carolina, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
South Carolina also requires that drivers carry a minimum of $25,000 uninsured motorist coverage per person ($50,000 per accident) and $25,000 uninsured motorist property damage coverage.
South Dakota
In South Dakota, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
South Dakota also requires that drivers carry a minimum of $25,000 uninsured/underinsured motorist coverage per person ($50,000 per accident).
Tennessee
In Tennessee, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
As of June 2023, Tennessee does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Texas
In Texas, drivers are required to carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
While the state recommends that drivers carry a minimum of $30,000 uninsured/underinsured motorist coverage per person ($60,000 per accident) and $25,000 uninsured/underinsured motorist property damage coverage, as of June 2023, these are not required.
Utah
In Utah, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $65,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
Utah also requires drivers to carry at least $3,000 in personal injury protection. As of June 2023, Utah does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Vermont
In Vermont, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Vermont also requires drivers to carry at least $50,000 uninsured/underinsured motorist coverage per person ($100,000 per accident) and $10,000 uninsured/underinsured motorist property damage coverage.
Virginia
In Virginia, drivers are required to carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
Virginia also requires drivers to carry at least $30,000 uninsured/underinsured motorist coverage per person ($60,000 per accident) and $20,000 uninsured/underinsured motorist property damage coverage.
Drivers who don’t wish to carry insurance are allowed to pay a $500 annual uninsured motorist fee in order to waive these requirements.
Washington
In Washington, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
As of June 2023, Washington does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Washington, D.C.
In Washington, D.C., drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
The District of Columbia also requires drivers to carry at least $25,000 uninsured motorist coverage per person ($50,000 per accident) and $5,000 uninsured motorist property damage coverage.
West Virginia
In West Virginia, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
West Virginia also requires drivers to carry at least $25,000 uninsured motorist coverage per person ($50,000 per accident) and $25,000 uninsured motorist property damage coverage.
Wisconsin
In Wisconsin, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Wisconsin also requires drivers to carry at least $25,000 uninsured motorist coverage per person ($50,000 per accident).
Wyoming
In Wyoming, drivers are required to carry at least:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
As of June 2023, Wyoming does not require drivers to carry uninsured/underinsured motorist coverage, personal injury protection, or other types of coverage.
Official state-specific bureau of motor vehicle websites or similar publications were referenced to create this article in July 2023. For the most up-to-date information, visit your state’s official BMV or DMV website.
