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