Auto insurance limits by state

If you've been shopping for auto insurance for some time now you probably already know that there are minimum requirements concerning the amount of third party liability. These minimums differ from state to state and you should meet those of the state your car is registered in. If you fail to do so your policy will be considered as invalid and the penalty will be comparable to that of driving without any auto insurance coverage. Fortunately, these requirements only concern the third party liability portion of your policy, which is actually the only mandatory part of auto insurance.

These requirements are primarily based on local repair and medical costs, which can vary significantly from state to state. The main idea is that the basic policy to cover an average accident with the minimum amount of third party liability coverage included.

The figures shown below near each state represent thousands of dollars in coverage. The first figure refers to the bodily injury coverage for a single person to be carried by the policy. The second represents the amount of bodily injury coverage for the whole accident. The third figure reflects property damage coverage for the accident accident. If your policy has respective types of coverage equal or above these figures than you can rest assured that it complies with local regulations. But is it actually enough to cover an average accident?

Most auto insurance experts agree that it's best to buy more coverage than it is required by local regulations if you don't want to risk being short of insurance in case of a serious accident. Since repair and medical costs are constantly on the rise these days you can easily end up in a situation when the minimum amount will only pay for the part of the costs involved in an accident and you will have to cover the rest out of own pocket. That's why you should always get more third party liability coverage than it's required in your state.

Alaska 50/100/25

Alabama 25/50/25

Arkansas 25/50/25

Arizona 15/30/10

California 15/30/5

Colorado 25/50/15

Connecticut 20/40/10

Delaware 15/30/10

Florida 10/20/10

Georgia 25/50/25

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 15/30/25

Maine 50/100/25

Maryland 30/60/15

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 25/50/25

Oregon 25/50/20

Pennsylvania 15/30/5

Rhode Island 25/50/25

South Carolina 25/50/25

South Dakota 25/50/25

Tennessee 25/50/15

Texas 30/60/25

Utah 25/65/15

Virginia 25/50/20

Vermont 25/50/10

Washington 25/50/10

Wisconsin 50/100/55

West Virginia 20/40/10

Wyoming 25/100/15

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