Friday, September 17, 2010

Minimum State Requirements for Auto Insurance

Every state has minimum requirements that you have to have when you buy auto insurance. These requirements vary from state to state, but they are the law in every state. When you move to another state, it is your responsibility to make sure that you meet that state's minimum requirements.

It's not always the best option to have the bare minimum when you buy insurance. In fact, your agent may tell you that.

For example, in Wyoming the minimum requirements for auto insurance are 25/50/20. The first two numbers are injury liability limits and the last number is the property damage liability limit. In an accident, every person injured would receive a maximum of up to 25,000 dollars with only 50,000 dollars available. So if there are 2 people who need it, then no problem. But if there are 3, then whoever files first will have access to the 50,000 dollars. You can be sued for the rest if the accident was determined to be your fault. The last number means that there is $20,000 available to cover any property damage.
It's easy to see that in some cases these limits will not cover everything you might be responsible for paying for, or that you need paid for. Below is a listing of each state, and the minimum amount of insurance it requires. This can be useful for those who want to get as much coverage as possible as well as for those who can only afford the minimum.

Minimum Car Insurance Requirements By 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 25/50/15
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 20/40/15
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 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 25/50/25
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Washington D.C. 25/50/10
Wisconsin 50/100/55
West Virginia 20/40/10
Wyoming 25/50/20


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