Minimum Auto Insurance Requirements by State

 

Auto insurance requirements differ by state, ensuring that drivers are financially responsible in case of accidents. Here's a breakdown of the most common required coverage types and how they vary across the U.S.

1. Liability Insurance

Liability insurance is mandatory in almost every state. It covers expenses if you're at fault in an accident, including:

• Bodily Injury Liability (BI): Covers medical expenses for injuries you cause to others.
• Property Damage Liability (PD): Covers damages to someone else’s property, such as their car.

2. Personal Injury Protection (PIP)

Required in no-fault states, PIP covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.

3. Uninsured/Underinsured Motorist Coverage

This covers your expenses if you're in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage.

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Examples of State Requirements:

• California: 15/30/5 (Liability)

  • $15,000 for injury/death per person
  • $30,000 total for injury/death per accident
  • $5,000 for property damage

• Texas: 30/60/25 (Liability)

  • $30,000 for injury/death per person
  • $60,000 total for injury/death per accident
  • $25,000 for property damage

• Florida: 10/20/10 + PIP

  • $10,000 for injury/death per person
  • $20,000 total for injury/death per accident
  • $10,000 for property damage
  • PIP is required in this no-fault state.

• New York: 25/50/10 + PIP + Uninsured Motorist

  • $25,000 for injury/death per person
  • $50,000 total for injury/death per accident
  • $10,000 for property damage

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The map provided above shows a visual breakdown of insurance requirements, including states with liability-only coverage, no-fault states requiring PIP, and those requiring additional coverages like uninsured motorist protection.