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Required Liability Insurance Limits for each StateThe liability limits listed below are the "minimum" liability insurance requirements by law. This means that you have to have at least the amounts listed below according to where you live. Most insurance policies will allow you to purchase more liability coverage. Refer to "auto insurance" for a detailed description of the types of coverages required.Alaska Bodily Injury Liability $50,000/$100,000 Limit Property Damage Liability $25,000 Limit Alabama Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $10,000 Limit Arkansas Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Arizona Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $10,000 Limit California Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $5,000 Limit Colorado Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $15,000 Limit Connecticut Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $20,000/$40,000 Limit Delaware Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $10,000 Limit Personal Injury Protection $15,000/$30,000 Limit District of Columbia Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Uninsured Motorist Property Damage $5,000 Limit Florida Property Damage Liability $10,000 Limit Personal Injury Protection $10,000 Limit Georgia Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Hawaii Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $10,000 Limit Personal Injury Protection or Managed Care $10,000 Limit Iowa Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $15,000 Limit Idaho Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $15,000 Limit Illinois Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $15,000 Limit Uninsured/Underinsured Motorist Bodily Injury $20,000/$40,000 Limit Indiana Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Kansas Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $4,500 Medical/$900 Work loss Kentucky Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Personal Injury Protection $10,000 Limit Louisiana Bodily Injury Liability $10,000/$20,000 Limit Property Damage Liability $10,000 Limit Massachusetts Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $5,000 Limit Uninsured Motorist Bodily Injury $20,000/$40,000 Limit Personal Injury Protection $8,000 Limit Maine Bodily Injury Liability $50,000/$100,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $50,000/$100,000 Limit Medical Payments $1,000 Limit Maryland Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $15,000 Limit Uninsured/Underinsured Motorist Bodily Injury $20,000/$40,000 Limit Uninsured Motorist Property Damage $15,000 Limit Personal Injury Protection $2,500 Limit Michigan Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $10,000 Limit Property Protection Insurance $1,000,000 Limit Personal Injury Protection – Medical and work loss Minnesota Bodily Injury Liability $30,000/$60,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $40,000 Limit Missouri Bodily Injury Liability 250,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Mississippi Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Montana Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit North Carolina Bodily Injury Liability $30,000/$60,000 Limit Property Damage Liability $25,000 Limit North Dakota Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $30,000 Limit Nebraska Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Nevada Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $10,000 Limit New Hampshire Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit New Jersey Basic Policy: Property Damage Liability $5,000 Limit Personal Injury Protection $15,000 Limit Standard Policy: Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $5,000 Limit Uninsured/Underinsured Motorist Bodily Injury $15,000/$30,000 Limit Uninsured Motorist Property Damage $5,000 Limit Personal Injury Protection $15,000 Limit Both policies include $250,000 personal injury protection limit for permanent injury New Mexico Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit New York Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $50,000 Limit Ohio Bodily Injury Liability $12,500/$25,000 Limit Property Damage Liability $7,500 Limit Oklahoma Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Oregon Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $15,000 Limit Pennsylvania Bodily Injury Liability $15,000/$30,000 Limit Property Damage Liability $5,000 Limit Personal Injury Protection: $5,000 Rhode Island Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit South Carolina Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $25,000 Limit South Dakota Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Tennessee Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Texas Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $25,000 Limit Utah Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $15,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Personal Injury Protection $3,000 Limit Virginia Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $20,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Uninsured/Underinsured Motorist Property Damage $20,000 Limit Vermont Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $50,000/$100,000 Limit Uninsured/Underinsured Motorist Property Damage $10,000 Limit Washington Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit West Virginia Bodily Injury Liability $20,000/$40,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $20,000/$40,000 Limit Uninsured/Underinsured Motorist Property Damage $10,000 Limit Wisconsin Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $10,000 Limit Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000 Limit Wyoming Bodily Injury Liability $25,000/$50,000 Limit Property Damage Liability $20,000 Limit |
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