How does car insurance work?
State
Minimum mandatory requirements
Alabama
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Alaska
BI: $50,000 per person
BI: $100,000 per accident
PD: $25,000 per accident
Arizona
BI: $25,000 per person
BI: $50,000 per accident
PD: $15,000 per accident
Arkansas
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
California
BI: $15,000 per person
BI: $30,000 per accident
PD: $5,000 per accident
Colorado
BI: $25,000 per person
BI: $50,000 per accident
PD: $15,000 per accident
Connecticut
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
District of Columbia
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
UM/UIM PD: $5,000
Delaware
BI: $25,000 per person
BI: $50,000 per accident
BI: $10,000 per accident
PIP: $15,000 per person
PIP: $30,000 per accident
Florida
PD: $10,000 per accident
PIP: $10,000 per person
Georgia
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Hawaii
BI: $20,000 per person
BI: $40,000 per accident
PD: $10,000 per accident
PIP: $10,000 per person
Idaho
BI: $25,000 per person
BI: $50,000 per accident
PD: $15,000 per accident
Illinois
BI: $25,000 bodily injury liability per person
BI: $50,000 bodily injury liability per accident
PD: $20,000 property damage liability per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
Indiana
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Iowa
BI: $20,000 per person
BI: $40,000 per accident
PD: $15,000 per accident
Kansas
BI: $25,000 person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
PIP per person:
$4,500 for medical expenses
$900 per month to a year of disability or loss of income coverage
$25 a day for in-home services
$4,500 for rehabilitation-related expenses
$2,000 for funeral, burial, or cremation expenses
Other:
Survivor benefits of up to $900 per month up to a year for disability or loss of income and $25 per day for in-home services
Kentucky
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
PIP: $10,000 per person
Louisiana
BI: $15,000 per person
BI: $30,000 per accident
PD: $25,000 per accident
Maine
BI: $50,000 per person
BI: $100,000 per accident
PD: $25,000 per accident
UM/UIM BI: $50,000 per person
UM/UIM BI: $100,000 per accident
MedPay: $2,000
Maryland
BI: $30,000 per person
BI: $60,000 per accident
PD: $15,000 per accident
UM/UIM BI: $30,000 per person
UM/UIM BI: $60,000 per accident
Massachusetts
BI: $20,000 per person
BI: $40,000 per accident
PD: $5,000 per accident
UM/UIM BI: $20,000 per person
UM/UIM BI: $40,000 per accident
PIP: $8,000 per accident
Michigan
BI: $20,000 per person
BI: $40,000 per accident
PIP: Unlimited
Property protection: $1 million
Minnesota
BI: $30,000 per person
BI: $60,000 per accident
PD: $10,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
PIP: $40,000 per person
Mississippi
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Missouri
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
Montana
BI: $25,000 per person
BI: $50,000 per accident
PD: $20,000 per accident
Nebraska
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
Nevada
BI: $25,000 per person
BI: $50,000 per accident
PD: $20,000 per accident
New Hampshire
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
UM/UIM PD: $25,000
MedPay: $1,000
Car insurance is not mandatory, but these are the requirements for those who opt in.
New Jersey
PD: $5,000 per accident
PIP: $1,000 per person
New Mexico
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 per accident
New York
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
PIP: $50,000 personal injury protection per person
Other:
$50,000 liability for death per person
$100,000 liability for death per accident
North Carolina
BI: $30,000 per person
BI: $60,000 per accident
PD: $25,000 per accident
UM/UIM BI: $30,000 per person
UM/UIM BI: $60,000 per accident
UM/UIM PD: $25,000
North Dakota
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
PIP: $30,000 per person
Ohio
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Oklahoma
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
Oregon
BI: $25,000 per person
BI: $50,000 per accident
PD: $20,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
PIP: $15,000 per person
Pennsylvania
BI: $15,000 per person
BI: $30,000 per accident
PD: $5,000 per accident
MedPay: $5,000
Rhode Island
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
South Carolina
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
South Dakota
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
Tennessee
BI: $25,000 per person
BI: $50,000 per accident
PD: $15,000 per accident
Texas
BI: $30,000 per person
BI: $60,000 per accident
PD: $25,000 per accident
Utah
BI: $25,000 per person
BI: $65,000 per accident
PD: $15,000 per accident
PIP: $3,000 per person
Vermont
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 property damage liability per accident
UM/UIM BI: $50,000 per person
UM/UIM BI: $100,000 per accident
UM/UIM PD: $10,000
Virginia
BI: $25,000 per person
BI: $50,000 per accident
PD: $20,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
UM/UIM PD: $20,000
Car insurance is not mandatory, but these are the requirements for those who opt in.
Washington
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 per accident
West Virginia
BI: $25,000 per person
BI: $50,000 per accident
PD: $25,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
UM/UIM PD: $25,000
Wisconsin
BI: $25,000 per person
BI: $50,000 per accident
PD: $10,000 per accident
UM/UIM BI: $25,000 per person
UM/UIM BI: $50,000 per accident
Wyoming
BI: $25,000 per person
BI: $50,000 per accident
PD: $20,000 per accident
