Minimum-Limit Car Insurance Explained

At SafeAuto, we talk a lot about state minimum car insurance. In fact, our motto asserts that state minimum car insurance is exactly what we offer. But, do you know the minimum car insurance needed in your state in order to be considered legal to drive?

When it comes to car insurance, state minimums are written like this: xx/xx/xx. The first two numbers refer to bodily injury liability limits and the third number refers to property damage liability limits. According to about.com, if your states car insurance minimums looked like 25/50/20, “the first two numbers  would mean in an accident each person injured would receive a maximum of up to $25,000 with only $50,000 allowed per accident (ex. 2 people needing $25,000, if the need is more such as 3 people needing $25,000 then whoever files first gets first access to the $50,000 limit and you may be sued for the rest if the accident was your fault.) The last number refers to the total coverage per accident for property damage, which in this case would be $20,000.”

Do You Know the State Minimum Car Insurance Needed in Your State?

For your reference, below is a listing of each state’s minimum car insurance requirements:

  • Alaska 50/100/25
  • Alabama 25/50/25
  • Arkansas 25/50/25
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/10
  • Florida 10/20/10
  • Georgia 25/50/25
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 15/30/25
  • Maine 50/100/25
  • Maryland 30/60/15
  • Massachusetts 20/40/5
  • Michigan 20/40/10
  • Minnesota 30/60/10
  • Mississippi 25/50/25
  • Missouri 25/50/10
  • Montana 25/50/10
  • Nebraska 25/50/25
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 25/50/25
  • Oregon 25/50/20
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 25/50/25
  • South Dakota 25/50/25
  • Tennessee 25/50/15
  • Texas 30/60/25
  • Utah 25/65/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 50/100/55
  • West Virginia 20/40/10
  • Wyoming 25/100/15

If you have any questions about this formula or about the car insurance process in general, please feel free to give us a call at 1-800-SAFEAUTO. For a free auto insurance quote, visit us online at www.safeauto.com.

 

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