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What Are The Legal Auto Insurance
Minimums For Your State?
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What Are The Legal Auto Insurance Minimums That You Need To Drive Your Car Legally
Most of the companies we have researched,
including the larger ones, such as Geico, Allstate and others, recommend
having at least $250,000 for property damage costs and a minimum of
$100,000 for bodily injury protection per person. This is because the
amount of money needed to pay for an accident is usually more than what
the states declare as the
minimum legal amount of insurance coverage
that is needed to legally drive your vehicle.
Here is some information from the American Insurance Association, the
Property Casualty Insurers Association, and the Insurance Information
Institute. It shows the auto liability insurance
state minimums as
required by each state. In order to understand the numbers you must know
what they mean. The first two numbers are for bodily injury liability
and the third
number represents the minimum amount of property damage
liability.
As an example the State of Alabama shows the following - Alabama
20/40/10. This means Alabama requires as a minimum coverage up to
$40,000 for all persons injured in an accident,
subject to a limit of
$20,000 for one individual, and $10,000 coverage for property damage.
(subject to change - please ask your insurance agent for the exact
amount of coverage you need for your area)
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 D.C. 25/50/10 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 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 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 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state
minimums. Many experts agree that more insurance is needed
in order to
fully protect yourself in the event you’re involved in an automobile
accident.
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