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Each state has different requirements for how much liability coverage is required. We've presented a list of minimum requirements for each state below.
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 State |
|
Minimum Liability Requirements (3) |
Proof of insurance required? (1) |
Insurer Verification of Insurance (4) |
Penalties for Non-Compliance (First Offense) |
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At Registration |
At time of Accident |
At all times in vehicle |
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| AL | BI & PD Liab | 20/40/10 | Yes | Yes | Yes | c | $500 fine, license suspension (6) |
| AK | BI & PD Liab | 50/100/25 | No | No (5) | Yes | b | license suspension/revocation (6) |
| AZ | BI & PD Liab | 15/30/10 | No (7) | Yes | Yes | a,b,d | $250 fine, license suspension |
| AR | BI & PD Liab, PIP | 25/50/25 | Yes | No | No | b,d | $50-$250 fine |
| CA | BI & PD Liab | 15/30/5 (8) | Yes | Yes | Yes | a,b,d | $100-$200 fine |
| CO | BI & PD Liab | 25/50/15 | Yes | Yes | Yes | a,d | $500 fine |
| CT | BI & PD Liab, UM, UIM | 20/40/10 | Yes | Yes | Yes | a | registration suspension |
| DE | BI & PD Liab, PIP | 15/30/10 | No | Yes | Yes | b,c,d | $1,500-$2,000 fine; six-month license suspension |
| DC | BI & PD Liab, UM | 25/50/10 | Yes | Yes | Yes | a,c | $300-$500 fine or maximum 30 days jail |
| FL | PD Liab, PIP | 10/20/10 (9) | Yes | Yes | Yes | a,d | license/registration revocation (6) |
| GA | BI & PD Liab | 25/50/25 | Yes | Yes | Yes | a,d | $200-$1,000 fine, maximum 12 months jail (6) |
| HI | BI & PD Liab, PIP | 20/40/10 | No | Yes | Yes | a | $500 fine |
| ID | BI & PD Liab | 25/50/15 | No | Yes | Yes | none | $75 fine |
| IL | BI & PD Liab, UM | 20/40/15 | Yes | Yes | Yes | b,c | $500-$1,000 fine |
| IN | BI & PD Liab | 25/50/10 | Yes | Yes | No | a | 1-year license and/or registration suspension |
| IA | BI & PD Liab | 20/40/15 | No | Yes | Yes | a | removal of license plates/registration receipt, possible impoundment |
| KS | BI & PD Liab, PIP, UM | 25/50/10 | Yes | No | No | a | $300-$1,000 fine, maximum 6 months jail |
| KY | BI & PD Liab, PIP | 25/50/10 | Yes | Yes | Yes | a,d | $500-$1,000 fine and/or up to 90 days in jail |
| LA | BI & PD Liab | 10/20/10 | Yes | No (5) | Yes | a,d | $50 reinstatement fee, confiscation of plates |
| ME | BI & PD Liab, UM, UIM | 50/100/25 (10) | No | Yes | Yes | a,b | $100-$500 fine, 30-day license and registration suspension (6) |
| MD | BI & PD Liab, PIP (11), UM | 20/40/15 | Yes | No | No | a | up to $1,000 fine and/or 1-year jail (6) |
| MA | BI & PD Liab, PIP, UM | 20/40/5 | Yes | No | No | a,d | $500-$5,000 fine or maximum 1-year jail (6) |
| MI | BI & PD Liab, PIP | 20/40/10 | Yes | No | No | a | $200-$500 fine or maximum 1-year jail (6) |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 | No | Yes | Yes | c | $200-$1,000 fine, maximum 90-days jail (6) |
| MS | BI & PD Liab | 25/50/25 | No | Yes | Yes | a | $500 fine, license suspension |
| MO | BI & PD Liab, UM | 25/50/10 | Yes | Yes | Yes | a,d | license and registration revocation, $20 reinstatement fee (6) |
| MT | BI & PD Liab | 25/50/10 | No | Yes | Yes | a | $250-$500 fine or not more than 10 days in jail |
| NE | BI & PD Liab | 25/50/25 | Yes | Yes | Yes | a,b | $500 fine (6), license and registration suspension |
| NV | BI & PD Liab | 15/30/10 | No | Yes | Yes | a,d | up to $1,000 fine (6) |
| NH | FR only, UM | 25/50/25 | No | No (5) | No | None | none |
| NJ | BI & PD Liab, PIP, UM | 15/30/5 (12) | No | Yes | Yes | a,d | $300-$1,000 fine, community service, 1-year license suspension |
| NM | BI & PD Liab | 25/50/10 | Yes | No | No | a,c,d | up to $300 fine, registration suspension (6) |
| NY | BI & PD Liab, PIP, UM | 25/50/10 (13) | Yes | Yes | Yes | a,d | $150-$1,500 fine, maximum 15-days jail |
| NC | BI & PD Liab | 30/60/25 | No | No | No | a,d | $50 fine, 30-day registration suspension (6) |
| ND | BI & PD Liab, PIP, UM | 25/50/25 | No | No (5) | No | c | $150 fine, registration revocation, license suspension |
| OH | BI & PD Liab | 12.5/25/7.5 | No | Yes | Yes | a,c | 90-day license suspension, $75 reinstatement fee |
| OK | BI & PD Liab | 25/50/25 | Yes | Yes | Yes | a,d* | $250 fine, no more than 30 days jail, license and registration suspension (6) |
| OR | BI & PD Liab, PIP, UM | 25/50/10 | No | Yes | Yes | a,c | license suspension and/or revocation (6) |
| PA | BI & PD Liab, PIP | 15/30/5 | No | Yes | Yes | a | $300 fine, license and registration suspension (6) |
| RI | BI & PD Liab, UM | 25/50/25 (9) | No | No | No | c | $100-$500 fine, up to 3 months license/registration suspension |
| SC | BI & PD Liab, UM | 25/50/25 | Yes | Yes | Yes | a,d | $100-$200 fine, less than 30 days jail |
| SD | BI & PD Liab, UM | 25/50/25 | No | Yes | Yes | a | up to 1-year license suspension (6) |
| TN | BI & PD Liab | 25/50/10 (9) | No | No | Yes | a | up to $100 fine |
| TX | BI & PD Liab | 20/40/15 | Yes | Yes | No | a,b** | $175-$350 fine |
| UT | BI & PD Liab, PIP | 25/50/15 (9) | No | Yes | Yes | d | $400 fine |
| VT | BI & PD Liab, UM, UIM | 25/50/10 | No | Yes | Yes | c | less than $100 fine, license suspension (6) |
| VA | BI & PD Liab, UM | 25/50/20 | No | No | No | a,b,c,d | none |
| WA | BI & PD Liab | 25/50/10 | No | No | No | a | $250 fine, community restitution (6) |
| WV | BI & PD Liab, UM | 20/40/10 | Yes | Yes | Yes | a | 30-day license suspension, registration revocation, $200-$5,000 fine |
| WI | FR only, UM | 25/50/10 | No | No | No | a | license and or registration revocation (6) |
| WY | BI & PD Liab | 25/50/20 | Yes | Yes | Yes | c,d* | up to $750 fine; up to six months in jail |
| (1) Proof of valid insurance. The form of evidence varies by state and may take the form of an insurance policy, binder, certificate of self-insurance, surety bonds, or certificate of deposit. Many states require insurance identification cards issued by the insurer. Self-certification, where the driver is required to identify the insurer and policy number in writing rather than in person, is not included. "Yes" in "At all times" columns includes states where drivers must produce proof on demand. (2) Compulsory Coverages: BI Liab=Bodily injury liability PD Liab=Property damage liability UM=Uninsured motorist PD=Physical damage Med=First party (policyholder) medical expenses UIM=Underinsured motorist PIP=Personal Injury Protection. Mandatory in no-fault states. Includes medical, rehabilitation, loss of earnings and funeral expenses. In some states PIP includes essential services such as child care. FR=Financial responsibility only. Insurance not compulsory. (3) The first two numbers refer to bodily injury liability limits and the third number to property liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage. (4) a. Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. b. Insurer must verify financial responsibility or insurance after an accident or arrest. c. Insurer must verify randomly selected insurance policies upon request. d. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law. (6) Penalties are provided for in the law but may not be mandatory for first offenses. (7) Proof of insurance must be presented within 30 days of registration. (8) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3. (9) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state. (10) In addition, policyholders must also carry at least $1,000 for medical payments. (11) May be waived for the policyholder but is compulsory for passengers. (12) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverge not available under the basic policy but uninsured motorist coverage is required under the standard policy. (13) In addition, policyholders must have 50/100 for wrongful death coverage. |
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