State-by-State Guide to Car Insurance Minimums

When it comes to car insurance, understanding the minimum requirements in your state is crucial. Each state in the U.S. has its own regulations concerning the minimum amounts of liability coverage that drivers must carry. This article provides a comprehensive state-by-state guide to car insurance minimums in the United States, ensuring you remain compliant and protected on the road.

1. Alabama

In Alabama, the minimum liability coverage required is:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage

2. Alaska

Alaska mandates the following minimum coverage:

$50,000 for bodily injury per person
$100,000 for total bodily injury per accident
$25,000 for property damage

3. Arizona

In Arizona, drivers must have at least:

$15,000 for bodily injury per person
$30,000 for total bodily injury per accident
$10,000 for property damage

4. Arkansas

The minimum coverage required in Arkansas includes:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage

5. California

California requires drivers to carry minimum coverage of:

$15,000 for bodily injury per person
$30,000 for total bodily injury per accident
$5,000 for property damage

6. Colorado

The minimum insurance requirements in Colorado are:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$15,000 for property damage

7. Connecticut

Connecticut has the following minimum coverage requirements:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage

8. Delaware

In Delaware, drivers must meet these minimums:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$10,000 for property damage

9. Florida

Florida follows a no-fault insurance system and requires:

$10,000 in Personal Injury Protection (PIP)
$10,000 for property damage liability

10. Georgia

Minimum coverage in Georgia includes:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage

11. Hawaii

Hawaii necessitates that drivers have:

$20,000 for bodily injury per person
$40,000 for total bodily injury per accident
$10,000 for property damage

12. Idaho

The minimum liability requirements in Idaho are:

$15,000 for bodily injury per person
$30,000 for total bodily injury per accident
$5,000 for property damage

13. Illinois

In Illinois, the mandatory minimums include:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$20,000 for property damage