Your State’s Minimum Requirements And What They Mean






minimum-insurance-requirements1These days, automobile insurance has become not just a necessity, but a requirement. All states have different requirements and you need to understand what you’re looking at before you can make an informed decision on the insurance company you wish to contract with.

The first number is the maximum amount of coverage your insurance company is giving you for bodily injury for one person injured in an accident (these are all in thousands). The second number is the maximum coverage for bodily injury for one accident. The third number is the maximum amount of property damage inflicted in one accident.

For example, in the state of California, required insurance coverage is 15/30/5, this means $15,000.00 bodily injury per person, $30,000.00 total bodily injury and $5,000.00 total property damage.

You’ll also want to make sure that you are covered for uninsured motorists, some policies automatically have it and some don’t.

Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/5
Florida 10/20/10
Georgia 15/30/10
Hawaii 20/40/10
Idaho 20/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/10
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 10/20/10
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 15/30/10
South Dakota 25/50/25
Tennessee 25/50/10
Texas 20/40/15
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Wisconsin 25/50/10
West Virginia 20/40/10
Wyoming 25/50/20


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