How Much Car Insurance Does Each State Require?

Joyful young African American woman drives car covered by auto insurance in her state.

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

StateLiability Coverage RequirementsOther 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.