| As you shop online for the best auto insurance | | | | subject to a limit of $25,000 for one individual, and |
| deals you may begin to ask yourself what | | | | $10,000 coverage for property damage. |
| exactly is required by law when it comes to auto | | | | Alabama 20/40/10 Alaska 50/100/25 Arizona 15 |
| insurance. Fortunately this article outlines the auto | | | | 30/10 Arkansas 25/50/25 |
| liability insurance state minimums that you are | | | | California 15/30/5 Colorado 25/50/15 Connecticut |
| required to have in order to legally drive in the | | | | 20/40/10 Delaware 15/30/5 |
| United States. No matter what state you drive in | | | | D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 |
| all of them have financial responsibility laws and | | | | Hawaii 20/40/10 |
| require motorists to purchase minimum amounts | | | | Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 |
| of auto liability insurance except for Tennessee, | | | | Iowa 20/40/15 |
| Wisconsin and New Hampshire. | | | | Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10 |
| Many websites and advocates of insurance (to | | | | 20/10 Maine 50/100/25 |
| include myself) recommend having a minimum of | | | | Maryland 20/40/15 Massachusetts 20/40/5 |
| $100,000 for bodily injury protection per person | | | | Michigan 20/40/10 Minnesota 30/60/10 |
| and at least $300,000 for property damage costs | | | | Mississippi 10/20/05 Missouri 25/50/10 Montana 25 |
| and physical injury costs. The main reason for this | | | | 50/10 Nebraska 25/50/25 |
| is due to the increased amount of money needed | | | | Nevada 15/30/10 New Hampshire 25/50/25 New |
| to rectify an accident is usually more then what | | | | Jersey 15/30/5 New Mexico 25/50/10 New York |
| the states declare as the minimum amount of | | | | 25/50/10 North Carolina 30/60/25 North Dakota |
| insurance coverage needed. | | | | 25/50/25 Ohio 12.5/25/7.5 |
| I have compiled the following information from | | | | Oklahoma 10/20/10 Oregon 25/50/10 |
| the American Insurance Association, the Property | | | | Pennsylvania 15/30/5 Rhode Island 25/50/25 |
| Casualty Insurers Association, and the Insurance | | | | South Carolina 15/30/10 South Dakota 25/50/25 |
| Information Institute. It shows the auto liability | | | | Tennessee 25/50/10 Texas 20/40/15 |
| insurance state minimums as required by each | | | | Utah 25/50/15 Vermont 25/50/10 Virginia 25/50 |
| state. In order to understand the numbers you | | | | 20 Washington 25/50/10 |
| must know what the mean. The first two | | | | West Virginia 20/40/10 Wisconsin 25/50/10 |
| numbers are for bodily injury liability and the third | | | | Wyoming 25/50/20 |
| number represents the minimum amount of | | | | Remember these figures only represent auto |
| property damage liability. | | | | insurance liability state minimums. Many experts |
| As an example my home state of Missouri shows | | | | agree that more insurance is needed in order to |
| the following - Missouri 25/50/10. This means | | | | fully protect yourself in the event you're involved |
| Missouri requires as a minimum coverage up to | | | | in an automobile accident. |
| $50,000 for all persons injured in an accident, | | | | |