State Required Limits: Make Sure You’re Covered

Every state has laws regarding the minimum amount of auto insurance coverage that must be carried on each vehicle driven within its jurisdiction.

The required elements of coverage are: total guaranteed minimum payout per accident, total guaranteed minimum payout per person per accident and guaranteed minimum property damage payout per accident. Although the state limits don’t really provide enough coverage for very serious accidents with multiple injuries, they do provide at least some protection. The required minimums for each state are:

Alaska - $100,000 minimum coverage per accident - $50,000 minimum per person, with a property damage minimum of $20,000;

Alabama - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Arkansas - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $15,000;

Arizona - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $10,000;

California - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $5,000;

Colorado - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $15,000;

Connecticut - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Delaware - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Florida - $20,000 minimum coverage per accident - $10,000 minimum per person, with a property damage minimum of $10,000;

Georgia - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $10,000;

Hawaii - $40,000 minimum coverage per accident - $20,000 minimum per person , with a property damage minimum of $10,000;

Idaho - $50,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $15,000;

Illinois - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $15,000;

Indiana - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Iowa - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $15,000;

Kansas - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Kentucky - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Louisiana - $20,000 minimum coverage per accident - $10,000 minimum per person, with a property damage minimum of $10,000;

Maine - $100,000 minimum coverage per accident - $50,000 minimum per person, with a property damage minimum of $25,000;

Maryland - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Massachusetts - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $5,000;

Michigan - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Minnesota - $60,000 minimum coverage per accident - $30,000 minimum per person, with a property damage minimum of $10,000;

Mississippi - $20,000 minimum coverage per accident - $10,000 minimum per person, with a property damage minimum of $5,000;

Missouri - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Montana - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Nebraska - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $25,000;

New Hampshire - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $25,000;

New Jersey - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $5,000;

New Mexico - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Nevada - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $10,000;

New York - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

North Carolina - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

North Dakota - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $25,000;

Ohio - $25,000 minimum coverage per accident - $12,500 minimum per person, with a property damage minimum of $7,500;

Oklahoma - $20,000 minimum coverage per accident - $10,000 minimum per person, with a property damage minimum of $10,000;

Oregon - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Pennsylvania - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $5,000;

Rhode Island - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $25,000;

South Carolina - $30,000 minimum coverage per accident - $15,000 minimum per person, with a property damage minimum of $10,000;

South Dakota - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $25,000;

Tennessee - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Texas - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $15,000;

Utah - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $15,000;

Virginia - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $20,000;

Vermont - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Washington - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

Wisconsin - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $10,000;

West Virginia - $40,000 minimum coverage per accident - $20,000 minimum per person, with a property damage minimum of $10,000;

Wyoming - $50,000 minimum coverage per accident - $25,000 minimum per person, with a property damage minimum of $20,000.