What insurance is required by law in the US?

What insurance is required by law in the US?



MINIMUM MANDATORY CAR INSURANCE LIMITS BY STATE





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

See also  Are you insured if you don't have road tax?





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


See also  What is an insurance quote?

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

See also  Do copays apply to deductible?





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