InsuranceWay logo
Call us

US Auto Liability Insurance Requirements:

What is Required in Your State?

Find your state's exact auto liability insurance requirements in this complete 50-state guide, ensuring you meet legal minimums while avoiding costly fines and legal complications.

5 stars
Trusted by 30,000 drivers per year
Are you active military, a veteran, or an immediate family member of someone who has served?
Liberty Mutual
Progressive
State Farm
Farmers
USAA
Travelers

What is Auto Liability Insurance?

Auto liability insurance is a type of car insurance coverage that pays for damages you cause to other people and their property in an accident. It consists of two main components:

  1. Bodily injury liability covers medical expenses, lost wages, pain and suffering, and legal costs when you injure someone else or cause a death in an accident.
  2. Property damage liability pays for repairs or replacement of other people’s vehicles, buildings, fences, or any other property you damage in an accident.

Most states legally require drivers to carry minimum amounts of liability insurance to ensure they can compensate others for harm they cause while driving. The coverage amounts are typically expressed as three numbers (like 25/50/25), representing bodily injury per person, bodily injury per accident, and property damage limits in thousands of dollars.

Liability Insurance Requirements by State

Alabama

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Alaska

  • Bodily Injury: $50,000 per person / $100,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Arizona

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: None

Arkansas

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

California

  • Bodily Injury: $15,000 per person / $30,000 per accident
  • Property Damage: $5,000
  • Additional Requirements: Uninsured Motorist ($15,000/$30,000)

Colorado

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: None

Connecticut

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Delaware

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection ($15,000), Uninsured Motorist ($25,000/$50,000)

Florida

  • Bodily Injury: Not required (PIP state)
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection ($10,000) - No-fault state

Georgia

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Hawaii

  • Bodily Injury: $20,000 per person / $40,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection ($10,000), Uninsured Motorist ($20,000/$40,000) - No-fault state

Idaho

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: None

Illinois

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Indiana

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Iowa

  • Bodily Injury: $20,000 per person / $40,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: None

Kansas

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Personal Injury Protection ($4,500), Uninsured Motorist ($25,000/$50,000) - No-fault state

Kentucky

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Personal Injury Protection ($10,000) - No-fault state

Louisiana

  • Bodily Injury: $15,000 per person / $30,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Maine

  • Bodily Injury: $50,000 per person / $100,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($50,000/$100,000)

Maryland

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: Personal Injury Protection ($2,500), Uninsured Motorist ($30,000/$60,000)

Massachusetts

  • Bodily Injury: $20,000 per person / $40,000 per accident
  • Property Damage: $5,000
  • Additional Requirements: Personal Injury Protection ($8,000), Uninsured Motorist ($20,000/$40,000) - No-fault state

Michigan

  • Bodily Injury: $50,000 per person / $100,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection (Unlimited) - No-fault state

Minnesota

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection ($30,000), Uninsured Motorist ($25,000/$50,000) - No-fault state

Mississippi

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Missouri

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Montana

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: None

Nebraska

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Nevada

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: None

New Hampshire

  • Bodily Injury: No insurance required*
  • Property Damage: No insurance required*
  • Additional Requirements: Must prove financial responsibility if at fault in an accident
  • *Note: “Live Free or Die” - Only state with no mandatory insurance requirement

New Jersey

  • Bodily Injury: $15,000 per person / $30,000 per accident
  • Property Damage: $5,000
  • Additional Requirements: Personal Injury Protection ($15,000), Uninsured Motorist ($15,000/$30,000) - No-fault state

New Mexico

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: None

New York

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Personal Injury Protection ($50,000), Uninsured Motorist ($25,000/$50,000) - No-fault state

North Carolina

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($30,000/$60,000)

North Dakota

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $30,000
  • Additional Requirements: Personal Injury Protection ($30,000), Uninsured Motorist ($30,000/$60,000) - No-fault state

Ohio

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Oklahoma

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Oregon

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: Personal Injury Protection ($15,000), Uninsured Motorist ($25,000/$50,000)

Pennsylvania

  • Bodily Injury: $15,000 per person / $30,000 per accident
  • Property Damage: $5,000
  • Additional Requirements: Personal Injury Protection (Variable) - Choice no-fault state

Rhode Island

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

South Carolina

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

South Dakota

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Tennessee

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: None

Texas

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: None

Utah

  • Bodily Injury: $25,000 per person / $65,000 per accident
  • Property Damage: $15,000
  • Additional Requirements: Personal Injury Protection ($3,000) - No-fault state

Vermont

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Uninsured Motorist ($50,000/$100,000)

Virginia

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: Uninsured Motorist ($30,000/$60,000)

Washington

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: None

West Virginia

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $25,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Wisconsin

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $10,000
  • Additional Requirements: Uninsured Motorist ($25,000/$50,000)

Wyoming

  • Bodily Injury: $25,000 per person / $50,000 per accident
  • Property Damage: $20,000
  • Additional Requirements: None

Key Notes

  • No-fault states require Personal Injury Protection (PIP) coverage, which pays for your own medical expenses regardless of who caused the accident
  • Uninsured Motorist coverage protects you when hit by a driver without insurance
  • These are minimum requirements - most insurance experts recommend carrying higher limits
  • Requirements can change - always verify current requirements with your state’s Department of Motor Vehicles or insurance department
  • Some states allow alternative forms of financial responsibility (bonds, deposits) instead of insurance

Disclaimer: This information is for educational purposes only. Always consult with a licensed insurance agent or your state’s insurance department for the most current and accurate requirements. The information above is accurate as of July 2025.