{
  "name": "Minimum auto liability insurance limits by state",
  "description": "The minimum auto liability insurance a driver must carry in each US state and DC, as bodily injury per person, bodily injury per accident, and property damage per accident (the '25/50/10' shorthand), sourced one state at a time from that state's own statute, insurance department or DMV \u2014 never from an aggregator. Answers 'what is the minimum auto liability insurance required in [state]', 'minimum auto liability limits by state 2026', 'which states changed their minimum auto liability limits in 2025 or 2026 and what were the limits before and after', 'is it true that California's minimum auto liability limits are 15/30/5' (no \u2014 California raised its minimums for the first time since 1967, effective 1 January 2025, and NJ raised its minimums to 35/70/25 effective 1 January 2026), and 'what would I use to get state minimum liability limits as data rather than reading comparison sites'. No federal agency and no single publisher states this for all 50 states \u2014 it is 50 statutes and 50 insurance departments, five of which changed in the last two years (NJ, CA, NC, MA, UT, VA, HI all moved in 2025-2026), which is why every page-one search result is a lead-generation or law-firm site quoting numbers with no citation. A handful of states (Tennessee, California, New Jersey) also let a driver satisfy the requirement with a bond or cash deposit instead of a policy, at a stated dollar amount \u2014 recorded where the source states it. Florida and Michigan run materially different systems (Florida requires PIP/PDL, not a bodily-injury minimum; Michigan lets drivers choose down to a floor after a 2020 no-fault reform) and New Hampshire does not mandate insurance at all \u2014 these are recorded as stated, not forced into the standard three-number shape.",
  "url": "https://referencesource.org/auto-insurance-minimums/",
  "licence": "Facts and short attributed quotes taken from each state's own statute, insurance department or DMV page, linking back to the source. Facts are not copyrightable (Feist, 1991); no source page's compiled table is reproduced wholesale. No source in this list carries a restrictive reuse notice as of the date fetched.",
  "last_verified": "2026-08-10",
  "stale_after": "2027-02-06",
  "sources": [
    "https://aldoi.gov/consumers/AutoFAQ.aspx",
    "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
    "https://www.azleg.gov/ars/28/04009.htm",
    "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
    "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
    "https://doi.colorado.gov/types-of-insurance/auto-insurance",
    "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
    "https://dmv.de.gov/VehicleServices/registration/index.shtml?dc=ve_reg_insurance",
    "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
    "https://www.flhsmv.gov/insurance/",
    "https://oci.georgia.gov/insurance-resources/auto",
    "https://cca.hawaii.gov/wp-content/uploads/2026/01/Auto-Minimum-Limits-FAQs.pdf",
    "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
    "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
    "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
    "https://iid.iowa.gov/consumers/insurance/auto",
    "https://insurance.ks.gov/documents/department/publications/auto-shoppers-guide.pdf",
    "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758",
    "https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/consumer's-guide-to-auto-insurance.pdf?sfvrsn=c0907c52_83",
    "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
    "https://mva.maryland.gov/title-registration/auto-insurance-requirements",
    "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
    "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage",
    "https://www.revisor.mn.gov/statutes/cite/65B.49/pdf",
    "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
    "https://dor.mo.gov/driver-license/insurance/",
    "https://csimt.gov/your-insurance/auto/",
    "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
    "https://doi.nv.gov/Consumers/Automobile-Insurance/",
    "https://gc.nh.gov/rsa/html/XXI/259/259-61.htm",
    "https://nj.gov/dobi/division_consumers/insurance/standardpolicy.html",
    "https://www.mvd.newmexico.gov/vehicles/insurance/",
    "https://newyork.public.law/laws/n.y._vehicle_and_traffic_law_section_311",
    "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-279.21.html",
    "https://www.insurance.nd.gov/consumers/insurance/auto",
    "https://codes.ohio.gov/ohio-revised-code/section-4509.51",
    "https://www.oid.ok.gov/auto-insurance-common-myths/",
    "https://www.oregonlegislature.gov/bills_laws/ors/ors806.html",
    "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
    "https://webserver.rilegislature.gov/Statutes/TITLE31/31-32/31-32-2.htm",
    "https://doi.sc.gov/Faq.aspx?QID=352",
    "https://sdlegislature.gov/api/Statutes/32-35-70.html",
    "https://revenue.support.tn.gov/hc/en-us/articles/360060282311-DIFD-1-Insurance-Verification-Overview",
    "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
    "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.pdf",
    "https://dfr.vermont.gov/consumers/explore-insurance/auto",
    "https://law.lis.virginia.gov/vacode/title46.2/chapter4/section46.2-472/",
    "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
    "https://www.wvinsurance.gov/Consumer_Services_mandatory_limits",
    "https://wisconsindot.gov/pages/dmv/license-drvs/rcd-crsh-rpt/auto-insurance.aspx",
    "https://wyoleg.gov/statutes/compress/title31.pdf"
  ],
  "records": [
    {
      "state": "Alabama",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Alabama Department of Insurance",
      "id": "alabama",
      "url": "https://referencesource.org/auto-insurance-minimums/alabama/",
      "source": "https://aldoi.gov/consumers/AutoFAQ.aspx",
      "source_quote": "The minimum auto insurance liability limits are commonly stated as 25/50/25. This means $25,000 bodily injury liability limit per person. $50,000 maximum for all bodily injuries to be paid for any one accident. $25,000 maximum for property damage per accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Alaska",
      "bodily_injury_per_person": "$50,000",
      "bodily_injury_per_accident": "$100,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Alaska Division of Motor Vehicles (Alaska Statute 28.22.101)",
      "id": "alaska",
      "url": "https://referencesource.org/auto-insurance-minimums/alaska/",
      "source": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
      "source_quote": "The minimum amounts for this policy are: $50,000/$100,000 for bodily injury or death $25,000 for property damage",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Arizona",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$15,000",
      "effective_date": "policy that is issued or renewed beginning on July 1, 2020",
      "issuing_authority": "Arizona Revised Statutes \u00a7 28-4009",
      "notes": "For a policy issued or renewed on or before June 30, 2020 (or one issued to a person with a valid certificate of self-insurance or partial self-insurance), the statute states prior limits of $15,000 per person, $30,000 per accident bodily injury and $10,000 property damage.",
      "id": "arizona",
      "url": "https://referencesource.org/auto-insurance-minimums/arizona/",
      "source": "https://www.azleg.gov/ars/28/04009.htm",
      "source_quote": "(b) For a policy that is issued or renewed beginning on July 1, 2020, except for a policy that is issued to a person that has a valid certificate of self-insurance or partial self-insurance pursuant to section 28-4007: (i) $25,000 because of bodily injury to or death of one person in any one accident. (ii) Subject to the limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident. (iii) $15,000 because of injury to or destruction of property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Arkansas",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Arkansas Insurance Department",
      "id": "arkansas",
      "url": "https://referencesource.org/auto-insurance-minimums/arkansas/",
      "source": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
      "source_quote": "Under Legislation passed in 1987 and 1999, it is unlawful for any person to operate a motor vehicle within this state unless the vehicle is insured with the minimum amount of liability coverage: $25,000 for bodily injury or death of one person in any one accident; $50,000 for bodily injury or death of two or more persons in any one accident and $25,000 for damage to or destruction of the property of others.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "California",
      "bodily_injury_per_person": "$30,000",
      "bodily_injury_per_accident": "$60,000",
      "property_damage_per_accident": "$15,000",
      "financial_responsibility_alternative": "a cash deposit of $35,000 with the Department of Motor Vehicles (DMV), or a surety bond for $35,000 from an insurance company licensed to do business in California",
      "issuing_authority": "California Department of Insurance",
      "notes": "The California Low Cost Automobile Insurance Program (CLCA) offers lower income-eligible limits of $10,000 bodily injury or death per person and $20,000 bodily injury or death per accident, which the source states still satisfy state financial responsibility law.",
      "id": "california",
      "url": "https://referencesource.org/auto-insurance-minimums/california/",
      "source": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
      "source_quote": "Minimum Bodily Injury Liability Limits $30,000 for the death or injury of any one person. If one person is injured in the accident, your coverage pays up to $30,000. A total of $60,000 for the death or injury of more than one person in any one accident. If two or more people are injured, the coverage pays up to $60,000. The coverage will not pay more. The injured people share the money. This coverage applies to injuries that you cause to someone else. Minimum Property Damage Liability Limits $15,000 for damage to the property of other people.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Colorado",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$15,000",
      "issuing_authority": "Colorado Division of Insurance / DORA",
      "id": "colorado",
      "url": "https://referencesource.org/auto-insurance-minimums/colorado/",
      "source": "https://doi.colorado.gov/types-of-insurance/auto-insurance",
      "source_quote": "The minimum limit of liability coverage that is required is $25,000 per person for bodily injury, $50,000 per accident and $15,000 for property damage to another.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Connecticut",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "combined_single_limit": "$50,000 single limit for bodily injury and property damage",
      "issuing_authority": "Connecticut Insurance Department",
      "notes": "The source also states a required minimum of $25,000 per person/$50,000 per accident in uninsured/underinsured motorist coverage.",
      "id": "connecticut",
      "url": "https://referencesource.org/auto-insurance-minimums/connecticut/",
      "source": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
      "source_quote": "Connecticut's minimum insurance requirements are $25,000 Per Person/$50,000 Per Accident for Bodily Injury and $25,000 Per Accident for Property Damage or $50,000 single limit for bodily injury and property damage.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Delaware",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "Delaware Division of Motor Vehicles",
      "notes": "The page also states a Personal Injury Protection (PIP) minimum of $15,000 per person and $30,000 for all persons injured in any 1 accident, separate from the liability minimums.",
      "id": "delaware",
      "url": "https://referencesource.org/auto-insurance-minimums/delaware/",
      "source": "https://dmv.de.gov/VehicleServices/registration/index.shtml?dc=ve_reg_insurance",
      "source_quote": "All vehicles registered in the State of Delaware are required to have the minimum Delaware liability insurance coverage of $25,000/$50,000/$10,000 and a PIP (Personal Injury Protection) minimum of $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "notes",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "District of Columbia",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "D.C. Code \u00a7 31-2406 (Availability of required and optional insurance and benefits)",
      "id": "district-of-columbia",
      "url": "https://referencesource.org/auto-insurance-minimums/district-of-columbia/",
      "source": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
      "source_quote": "(b) Property damage insurance. \u2014 Property damage insurance shall provide that any liability to an insured to pay for property damage to any vehicle or other property not owned or controlled by the insured, in accordance with applicable law, shall be paid by the applicable insurer up to an amount requested by the named insured. The minimum amount of property damage liability insurance coverage that a named insured shall purchase is $10,000 for property damage in any 1 accident. (c) Third-party personal liability. \u2014 Third-party personal liability coverage shall provide that any liability of an insured to pay for injury arising from an accident within or outside the District of Columbia, in accordance with applicable law, shall be paid by the insurer up to the amount established in the policy. The minimum amount of 3rd-party personal liability coverage that an insured shall purchase shall be $25,000 per person injured in any 1 accident and $50,000 for all persons injured in any 1 accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Florida",
      "issuing_authority": "Florida Department of Highway Safety and Motor Vehicles",
      "notes": "Florida does not require a standard bodily-injury liability minimum for private passenger vehicles; instead it requires a minimum of $10,000 in Personal Injury Protection (PIP), a no-fault coverage, and a minimum of $10,000 in Property Damage Liability (PDL). Taxis must additionally carry bodily injury liability (BIL) of $125,000 per person, $250,000 per occurrence and $50,000 for PDL.",
      "id": "florida",
      "url": "https://referencesource.org/auto-insurance-minimums/florida/",
      "source": "https://www.flhsmv.gov/insurance/",
      "source_quote": "have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage.",
      "verified_fields": [
        "issuing_authority"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Georgia",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Georgia Office of Commissioner of Insurance and Safety Fire",
      "id": "georgia",
      "url": "https://referencesource.org/auto-insurance-minimums/georgia/",
      "source": "https://oci.georgia.gov/insurance-resources/auto",
      "source_quote": "The minimum limits of liability insurance required under Georgia law are: Bodily Injury Liability \u2013 $25,000 per person and $50,000 per incident Property Damage Liability \u2013 $25,000 per incident",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Hawaii",
      "bodily_injury_per_person": "$40,000",
      "bodily_injury_per_accident": "$80,000",
      "property_damage_per_accident": "$20,000",
      "effective_date": "January 1, 2026",
      "issuing_authority": "Hawai\u02bbi Insurance Division, Department of Commerce and Consumer Affairs",
      "notes": "The previous minimum was 20/40/10; the new 40/80/20 limits apply to all new and renewal policies with effective dates on or after January 1, 2026.",
      "id": "hawaii",
      "url": "https://referencesource.org/auto-insurance-minimums/hawaii/",
      "source": "https://cca.hawaii.gov/wp-content/uploads/2026/01/Auto-Minimum-Limits-FAQs.pdf",
      "source_quote": "As of January 1, 2026, Hawai\u02bbi law increased the minimum liability insurance coverage limits that all drivers and motor vehicle owners must carry. The updated limits replace the prior minimums and apply to all new and renewal policies with effective dates on or after January 1, 2026. What are Hawai\u02bbi\u2019s new minimum auto insurance liability limits? Under the law effective January 1, 2026, the minimum liability limits required are: $40,000 Bodily Injury Liability per person $80,000 Bodily Injury Liability per accident $20,000 Property Damage Liability per accident These limits are commonly shown as 40/80/20. Why did these minimum limits change? The previous minimum (20/40/10) was set many years ago and has not kept pace with the rising costs of medical care and vehicle repairs. Updating the minimums to 40/80/20 helps ensure injured parties receive greater financial protection following an accident. The change also aims to reduce the number of underinsured drivers who choose minimal coverage that may not adequately protect others involved in a crash.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "notes",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Idaho",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$15,000",
      "issuing_authority": "Idaho Department of Insurance",
      "id": "idaho",
      "url": "https://referencesource.org/auto-insurance-minimums/idaho/",
      "source": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
      "source_quote": "Idaho law requires that you maintain a minimum of $25,000 per person and $50,000 per accident Bodily Injury Coverage on your auto insurance policy. The coverage limits on your policy are the maximum amount of money the insurance company is obligated to pay to the other person on your behalf. However, higher limits can be purchased for more protection. Property Damage Liability Property Damage Liability pays for damage to someone else’s property when you are at-fault for that damage (i.e. vehicle, fence, telephone pole, etc.). Idaho law requires that you maintain a minimum of $15,000 in Property Damage Liability coverage on your auto insurance policy.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Illinois",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$20,000",
      "issuing_authority": "Illinois Department of Insurance (625 ILCS 5/7-203)",
      "id": "illinois",
      "url": "https://referencesource.org/auto-insurance-minimums/illinois/",
      "source": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
      "source_quote": "(625 ILCS 5/7-203) requires BI limits of at least $25,000 per person per accident and $50,000 total per accident. Property Damage (PD) \u2013 Pays for damage to another person\u2019s car or property such as fences, buildings, utility poles, signs, and trees. Illinois law <http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=062500050HCh.+7&ActID=1815&ChapterID=49&SeqStart=95900000&SeqEnd=105100000> (625 ILCS 5/7-203) requires PD liability limits of at least $20,000 per accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Indiana",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Indiana Bureau of Motor Vehicles",
      "id": "indiana",
      "url": "https://referencesource.org/auto-insurance-minimums/indiana/",
      "source": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
      "source_quote": "The state of Indiana has a 25/50/25 minimum liability insurance requirement. This required minimum coverage includes $25,000 for bodily injury to or the death of one (1) individual, $50,000 for bodily injury to or the death of two (2) or more individuals in any one (1) accident, and $25,000 for damage to or the destruction of property in one (1) accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Iowa",
      "bodily_injury_per_person": "$20,000",
      "bodily_injury_per_accident": "$40,000",
      "property_damage_per_accident": "$15,000",
      "issuing_authority": "Iowa Insurance Division",
      "id": "iowa",
      "url": "https://referencesource.org/auto-insurance-minimums/iowa/",
      "source": "https://iid.iowa.gov/consumers/insurance/auto",
      "source_quote": "Iowa Insurance Division Reports <https://iid.iowa.gov/legal-resources/reports-governor-and-summary-data> Reports to Governor and Summary Data <https://iid.iowa.gov/legal-resources/health-care-cost-drivers> Health Care Cost Drivers <https://iid.iowa.gov/legal-resources/medical-malpractice-annual-reports> Medical Malpractice Annual Reports <https://iid.iowa.gov/legal-resources/no-surprises-act> No Surprises Act <https://iid.iowa.gov/legal-resources/pbm-annual-reports> PBM Annual Reports <https://iid.iowa.gov/legal-resources/notice-public-hearings> Notice of Public Hearings <https://sbs.naic.org/solar-web/pages/public/reportGenerator/reportGeneratorSearch.jsf> State Based Systems (SBS) Report Generator <https://iid.iowa.gov/about> About About sub-navigation <https://iid.iowa.gov/about/insurance-commissioner> Insurance Commissioner <https://iid.iowa.gov/about/contact> Contact <https://iid.iowa.gov/about/iowa-insurance-division> Location <https://iid.iowa.gov/about/employment> Employment <https://iid.iowa.gov/about/internships-clerkships> Internships & Clerkships <https://iid.iowa.gov/about/innovation> Innovation <https://iid.iowa.gov/about/news> News <https://directory.iowa.gov/organization/index> Agencies A-Z <https://directory.iowa.gov/service/index> Online Services Breadcrumbs <https://iid.iowa.gov/> Home <https://iid.iowa.gov/consumers> Consumers <https://iid.iowa.gov/consumers/insurance> Insurance Auto Insurance Topics: Insurance Get the right <http://www.insureuonline.org/consumer_auto_understand.htm> automobile insurance for your safety and your property. Coverage Amounts Iowa law <https://www.legis.iowa.gov/docs/code/321A.21.pdf> requires minimum liability coverage : $20,000 of bodily injury to or death of one person in any one accident; $40,000 because of bodily injury to or death of two or more persons in any one accident; and $15,000 because of injury to or destruction of property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Kansas",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Kansas Insurance Department, Auto Insurance Shopper's Guide",
      "id": "kansas",
      "url": "https://referencesource.org/auto-insurance-minimums/kansas/",
      "source": "https://insurance.ks.gov/documents/department/publications/auto-shoppers-guide.pdf",
      "source_quote": "Kansas law requires that every personal automobile insurance policy sold in the state have these minimum coverages: COVERAGE $25,000 per person \u2013 bodily injury Liability Coverage $50,000 per accident \u2013 bodily injury $25,000 per accident \u2013 property damage",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Kentucky",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "combined_single_limit": "$60,000 for all damages whether arising out of bodily injury or damage to property as a result of any one (1) accident",
      "effective_date": "June 29, 2017",
      "issuing_authority": "Kentucky Revised Statutes 304.39-110, Required minimum tort liability insurance",
      "notes": "A Legislative Research Commission note on the statute states the 2017 amendment to the property-damage minimum \"shall apply to policies issued or renewed on or after January 1, 2018.\"",
      "id": "kentucky",
      "url": "https://referencesource.org/auto-insurance-minimums/kentucky/",
      "source": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758",
      "source_quote": "Split limits liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of bodily injury sustained by any one (1) person, and not less than fifty thousand dollars ($50,000) for all damages arising out of bodily injury sustained by all persons injured as a result of any one (1) accident, plus liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of damage to or destruction of property, including the loss of use thereof, as a result of any one (1) accident arising out of ownership, maintenance, use, loading, or unloading, of the secured vehicle; or 2. Single limits liability coverage of not less than sixty thousand dollars ($60,000) for all damages whether arising out of bodily injury or damage to property as a result of any one (1) accident arising out of ownership, maintenance, use, loading, or unloading, of the secured vehicle; (b) That the liability coverages apply to accidents during the contract period in a territorial area not less than the United States of America, its territories and possessions, and Canada; and (c) Basic reparation benefits as defined in KRS 304.39-020(2). (2) Subject to the provisions on approval of terms and forms, the requirement of security for payment of tort liabilities may be met by a contract the coverage of which is secondary or excess to other applicable valid and collectible liability insurance. To the extent the secondary or excess coverage applies to liability within the minimum security required by this subtitle it must be subject to conditions consistent with the system of required liability insurance established by this subtitle. (3) Security for a motorcycle is fulfilled by providing only the coverages set forth in subsections (1)(a) and (b) of this section. Effective:June 29, 2017",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "effective_date",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Louisiana",
      "bodily_injury_per_person": "$15,000",
      "bodily_injury_per_accident": "$30,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Louisiana Department of Insurance, Consumer's Guide to Auto Insurance",
      "id": "louisiana",
      "url": "https://referencesource.org/auto-insurance-minimums/louisiana/",
      "source": "https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/consumer's-guide-to-auto-insurance.pdf?sfvrsn=c0907c52_83",
      "source_quote": "In Louisiana, each vehicle is required to have 15/30/25 liability limits. Those limits provide payments of $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in a single accident, and $25,000 coverage for damage to someone else\u2019s vehicle or other property.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Maine",
      "bodily_injury_per_person": "$50,000",
      "bodily_injury_per_accident": "$100,000",
      "property_damage_per_accident": "$25,000",
      "combined_single_limit": "$125,000",
      "issuing_authority": "Maine Bureau of Insurance / PFR",
      "id": "maine",
      "url": "https://referencesource.org/auto-insurance-minimums/maine/",
      "source": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
      "source_quote": "The minimum required limits are $50,000 per person/$100,000 per accident for bodily injury, and $25,000 for property damage. A Combined Single Limit of $125,000 will also satisfy the minimum limit requirement.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Maryland",
      "bodily_injury_per_person": "$30,000",
      "bodily_injury_per_accident": "$60,000",
      "property_damage_per_accident": "$15,000",
      "issuing_authority": "Maryland MVA (Motor Vehicle Administration), Auto Insurance Requirements",
      "id": "maryland",
      "url": "https://referencesource.org/auto-insurance-minimums/maryland/",
      "source": "https://mva.maryland.gov/title-registration/auto-insurance-requirements",
      "source_quote": "Maryland law requires at least: $30,000 for bodily injury per person $60,000 for bodily injury per accident $15,000 for property damage",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Massachusetts",
      "bodily_injury_per_person": "not less than $25,000",
      "bodily_injury_per_accident": "not less than $50,000",
      "property_damage_per_accident": "$30,000",
      "effective_date": "July 1, 2025",
      "issuing_authority": "Massachusetts Session Laws, Acts of 2024, Chapter 275 (amending M.G.L. c.90 \u00a7\u00a734A and 34O)",
      "notes": "Prior to this amendment, M.G.L. c.90 \u00a734A required at least $20,000 per person / $40,000 per accident for bodily injury, and \u00a734O required at least $5,000 for property damage. The new figures apply to motor vehicle liability policies issued or renewed on or after July 1, 2025.",
      "id": "massachusetts",
      "url": "https://referencesource.org/auto-insurance-minimums/massachusetts/",
      "source": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
      "source_quote": "SECTION 1. Section 34A of chapter 90 of the General Laws, as appearing in the 2022 Official Edition, is hereby amended by striking out, in line 102, the words &ldquo;at least twenty thousand dollars&rdquo; and inserting in place thereof the following words:- not less than $25,000. SECTION 2. Said section 34A of said chapter 90, as so appearing, is hereby further amended by striking out, in lines 104 and 105, the words &ldquo;at least forty thousand dollars&rdquo; and inserting in place thereof the words:- not less than $50,000. SECTION 3. Section 34O of said chapter 90, as so appearing, is hereby amended by striking out, in line 17, the words &ldquo;five thousand dollars&rdquo; and inserting in place thereof the following figure:- $30,000. SECTION 4. Sections 1 to 3, inclusive, shall apply to motor vehicle liability policies issued or renewed on or after July 1, 2025.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Michigan",
      "bodily_injury_per_person": "$50,000",
      "bodily_injury_per_accident": "$100,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "Michigan Department of Insurance and Financial Services",
      "notes": "$50,000/$100,000 is the lowest bodily-injury limit a driver may choose to purchase under Michigan's post-2020 no-fault reform; the new default (if a driver does not choose a lower limit) is $250,000 per person / $500,000 per accident. The $10,000 property-damage figure the source states applies specifically to property damage in another state -- in-state property damage in Michigan is handled through no-fault Property Protection Insurance (PPI), not a third-party liability limit.",
      "id": "michigan",
      "url": "https://referencesource.org/auto-insurance-minimums/michigan/",
      "source": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage",
      "source_quote": "Drivers may have the option of purchasing other BI/PD coverage limits. However, the lowest limit they may purchase is: Up to $50,000 for a person who is hurt or killed in an accident. Up to $100,000 for each accident if several people are hurt or killed. Up to $10,000 for property damage in another state.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Minnesota",
      "bodily_injury_per_person": "$30,000",
      "bodily_injury_per_accident": "$60,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "Minnesota Statutes 65B.49",
      "id": "minnesota",
      "url": "https://referencesource.org/auto-insurance-minimums/minnesota/",
      "source": "https://www.revisor.mn.gov/statutes/cite/65B.49/pdf",
      "source_quote": "Each plan of reparation security shall also contain stated limits of liability, exclusive of interest and costs, with respect to each vehicle for which coverage is thereby granted, of not less than $30,000 because of bodily injury to one person in any one accident and, subject to said limit for one person, of not less than $60,000 because of injury to two or more persons in any one accident, and, if the accident has resulted in injury to or destruction of property, of not less than $10,000 because of such injury to or destruction of property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Mississippi",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "financial_responsibility_alternative": "posting a bond for the same amounts as the minimum liability requirement, or making a cash or security deposit equal to the minimum requirements",
      "effective_date": "January 1, 2006",
      "issuing_authority": "Mississippi Insurance Department",
      "id": "mississippi",
      "url": "https://referencesource.org/auto-insurance-minimums/mississippi/",
      "source": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
      "source_quote": "On January 1, 2006, the minimum liability requirements increased to the following: $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Missouri",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Missouri Department of Revenue",
      "notes": "The source also states a minimum uninsured motorist coverage requirement of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.",
      "id": "missouri",
      "url": "https://referencesource.org/auto-insurance-minimums/missouri/",
      "source": "https://dor.mo.gov/driver-license/insurance/",
      "source_quote": "The minimum level of coverage required by state law is: $25,000 per person for bodily injury $50,000 per accident for bodily injury $25,000 per accident for property",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Montana",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$20,000",
      "issuing_authority": "Montana Commissioner of Securities and Insurance",
      "id": "montana",
      "url": "https://referencesource.org/auto-insurance-minimums/montana/",
      "source": "https://csimt.gov/your-insurance/auto/",
      "source_quote": "What are the minimum liability limits required in the state of Montana? $25,000 per person bodily injury $50,000 per accident bodily injury $20,000 property damage",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Nebraska",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Nebraska Department of Insurance",
      "id": "nebraska",
      "url": "https://referencesource.org/auto-insurance-minimums/nebraska/",
      "source": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
      "source_quote": "Minimum Coverage Limits Required in Nebraska Bodily Injury Liability: $25,000 per person, $50,000 per accident Property Damage Liability: $25,000 for property damage",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Nevada",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$20,000",
      "effective_date": "July 1, 2018",
      "issuing_authority": "Nevada Division of Insurance",
      "id": "nevada",
      "url": "https://referencesource.org/auto-insurance-minimums/nevada/",
      "source": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
      "source_quote": "Starting July 1, 2018, the minimum motor vehicle liability insurance coverage will increased to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage (\"25/50/20\").",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "New Hampshire",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "New Hampshire Revised Statutes Annotated (RSA) 259:61",
      "notes": "New Hampshire does not require drivers generally to carry auto insurance. RSA 259:61 defines these dollar amounts as the minimum a policy must carry to qualify as a 'motor vehicle liability policy' for financial-responsibility purposes (e.g. after an at-fault accident), not as a blanket mandate to buy insurance.",
      "id": "new-hampshire",
      "url": "https://referencesource.org/auto-insurance-minimums/new-hampshire/",
      "source": "https://gc.nh.gov/rsa/html/XXI/259/259-61.htm",
      "source_quote": "to the amount or limit of at least $25,000 on account of injury to or death of any one person, and subject to such limit as respects injury or death of one person, of at least $50,000 on account of any one accident resulting in injury to or death of more than one person, and at least $25,000 for damage to property of others",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "New Jersey",
      "bodily_injury_per_person": "$35,000",
      "bodily_injury_per_accident": "$70,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "New Jersey Department of Banking and Insurance",
      "notes": "These are the minimum ('as low as') limits for New Jersey's Standard Auto Insurance Policy, which the source states can go as high as $250,000 per person / $500,000 per accident for bodily injury and $100,000 or more for property damage. New Jersey also offers a Basic Policy, which the source states does not include bodily injury liability coverage by default (though $10,000 coverage for all persons per accident is available as an option) and carries a lower property damage liability minimum of $5,000 per accident.",
      "id": "new-jersey",
      "url": "https://referencesource.org/auto-insurance-minimums/new-jersey/",
      "source": "https://nj.gov/dobi/division_consumers/insurance/standardpolicy.html",
      "source_quote": "Bodily Injury Liability Coverage for claims and lawsuits by people injured as a result of an auto accident you cause | As low as: $35,000 per person, $70,000 per accident As high as: $250,000 per person, $500,000 per accident | Coverage is not included but $10,000 coverage for all persons, per accident, is available as an option | Property Damage Liability Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause | As low as: $25,000 per accident As high as: $100,000 or more | $5,000 per accident",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "New Mexico",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "New Mexico Motor Vehicle Division",
      "id": "new-mexico",
      "url": "https://referencesource.org/auto-insurance-minimums/new-mexico/",
      "source": "https://www.mvd.newmexico.gov/vehicles/insurance/",
      "source_quote": "Minimum auto liability insurance amounts required in New Mexico are: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons, and $10,000 for property damage in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "New York",
      "bodily_injury_per_person": "twenty-five thousand dollars",
      "bodily_injury_per_accident": "fifty thousand dollars",
      "property_damage_per_accident": "ten thousand dollars",
      "issuing_authority": "New York Vehicle and Traffic Law \u00a7 311",
      "notes": "Where the accident results in death the required limits are higher: fifty thousand dollars because of death of one person and one hundred thousand dollars because of death of two or more persons in any one accident.",
      "id": "new-york",
      "url": "https://referencesource.org/auto-insurance-minimums/new-york/",
      "source": "https://newyork.public.law/laws/n.y._vehicle_and_traffic_law_section_311",
      "source_quote": "Every such owner\u2019s policy of liability insurance shall provide insurance subject to said regulation against loss from the liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person and injury to or destruction of property arising out of the ownership, maintenance, use, or operation of a specific motor vehicle or motor vehicles within the state of New York, or elsewhere in the United States in North America or the Dominion of Canada, subject to a limit, exclusive of interest and costs, with respect to each such motor vehicle except a tow truck, of twenty-five thousand dollars because of bodily injuries to and fifty thousand dollars because of death of one person in any one accident and, subject to said limit for one person, to a limit of fifty thousand dollars because of bodily injury to and one hundred thousand dollars because of death of two or more persons in any one accident, and to a limit of ten thousand dollars because of injury to or destruction of property of others in any one accident",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "notes",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "North Carolina",
      "bodily_injury_per_person": "fifty thousand dollars ($50,000)",
      "bodily_injury_per_accident": "one hundred thousand dollars ($100,000)",
      "property_damage_per_accident": "fifty thousand dollars ($50,000)",
      "issuing_authority": "North Carolina General Statute \u00a7 20-279.21",
      "id": "north-carolina",
      "url": "https://referencesource.org/auto-insurance-minimums/north-carolina/",
      "source": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-279.21.html",
      "source_quote": "fifty thousand dollars ($50,000) because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, one hundred thousand dollars ($100,000) because of bodily injury to or death of two or more persons in any one accident, and fifty thousand dollars ($50,000) because of injury to or destruction of property of others in any one accident",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "North Dakota",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "North Dakota Insurance Department",
      "notes": "The source also states a required uninsured motorist coverage of $25,000 per person/$50,000 per accident, and a basic no-fault (PIP) minimum of $30,000 per person.",
      "id": "north-dakota",
      "url": "https://referencesource.org/auto-insurance-minimums/north-dakota/",
      "source": "https://www.insurance.nd.gov/consumers/insurance/auto",
      "source_quote": "Bodily injury liability - $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident). Bodily injury liability provides coverage for claims brought against you for bodily injury caused to another person through the operation of your vehicle. Property damage liability - $25,000 per accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Ohio",
      "bodily_injury_per_person": "Twenty-five thousand dollars",
      "bodily_injury_per_accident": "Fifty thousand dollars",
      "property_damage_per_accident": "Twenty-five thousand dollars",
      "effective_date": "December 22, 2013",
      "issuing_authority": "Ohio Revised Code Section 4509.51",
      "id": "ohio",
      "url": "https://referencesource.org/auto-insurance-minimums/ohio/",
      "source": "https://codes.ohio.gov/ohio-revised-code/section-4509.51",
      "source_quote": "(1) Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident; (2) Fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident; (3) Twenty-five thousand dollars because of injury to property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Oklahoma",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Oklahoma Insurance Department",
      "id": "oklahoma",
      "url": "https://referencesource.org/auto-insurance-minimums/oklahoma/",
      "source": "https://www.oid.ok.gov/auto-insurance-common-myths/",
      "source_quote": "In Oklahoma, the minimum liability coverage is 25/50/25, or $25,000 of bodily injury protection per person, $50,000 per accident and $25,000 of property damage protection.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Oregon",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$20,000",
      "issuing_authority": "Oregon Revised Statutes 806.070 (Minimum payment schedule)",
      "id": "oregon",
      "url": "https://referencesource.org/auto-insurance-minimums/oregon/",
      "source": "https://www.oregonlegislature.gov/bills_laws/ors/ors806.html",
      "source_quote": "\ufffd\ufffd\ufffd\ufffd\ufffd (a) $25,000 because of bodily injury to or death of one person in any one accident; \ufffd\ufffd\ufffd\ufffd\ufffd (b) Subject to that limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident; and \ufffd\ufffd\ufffd\ufffd\ufffd (c) $20,000 because of injury to or destruction of the property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Pennsylvania",
      "bodily_injury_per_person": "$15,000",
      "bodily_injury_per_accident": "$30,000",
      "property_damage_per_accident": "$5,000",
      "combined_single_limit": "Some companies offer a combined single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements",
      "issuing_authority": "Pennsylvania Insurance Department",
      "id": "pennsylvania",
      "url": "https://referencesource.org/auto-insurance-minimums/pennsylvania/",
      "source": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
      "source_quote": "Bodily Injury Liability: If you injure someone in an auto accident, this coverage pays damages for which you are liable, such as medical and rehabilitation expenses. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. Higher limits are also available. Property Damage Liability: If you damage someone\u2019s property (such as his or her car) in an accident and you are at fault, this coverage pays for repairs to that property. The minimum limit is $5,000. Higher limits are also available. Some companies offer a combined single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Rhode Island",
      "bodily_injury_per_person": "twenty-five thousand dollars ($25,000)",
      "bodily_injury_per_accident": "fifty thousand dollars ($50,000)",
      "property_damage_per_accident": "twenty-five thousand dollars ($25,000)",
      "combined_single_limit": "seventy-five thousand dollars ($75,000) combined single limit",
      "issuing_authority": "Rhode Island General Laws \u00a7 31-32-2",
      "id": "rhode-island",
      "url": "https://referencesource.org/auto-insurance-minimums/rhode-island/",
      "source": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-32/31-32-2.htm",
      "source_quote": "in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one accident, and in the amount of twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident or seventy-five thousand dollars ($75,000) combined single limit.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "South Carolina",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "South Carolina Department of Insurance",
      "notes": "The source states underinsured motorist coverage is not required.",
      "id": "south-carolina",
      "url": "https://referencesource.org/auto-insurance-minimums/south-carolina/",
      "source": "https://doi.sc.gov/Faq.aspx?QID=352",
      "source_quote": "What are the minimum limits of liability coverage and uninsured motorist Coverage required in South Carolina? Is underinsured motorist coverage required? $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident Underinsured motorist coverage is not required.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "notes",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "South Dakota",
      "bodily_injury_per_person": "twenty - five thousand dollars",
      "bodily_injury_per_accident": "fifty thousand dollars",
      "property_damage_per_accident": "twenty - five thousand dollars",
      "issuing_authority": "South Dakota Codified Laws \u00a7 32-35-70",
      "id": "south-dakota",
      "url": "https://referencesource.org/auto-insurance-minimums/south-dakota/",
      "source": "https://sdlegislature.gov/api/Statutes/32-35-70.html",
      "source_quote": "shall insure the person named therein and any other person as insured, using any insured vehicle or vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the vehicle or vehicles within the United States of America or the Dominion of Canada, subject to limits exclusive of interests and costs, with respect to each insured vehicle, as follows: twenty - five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty - five thousand dollars because of injury to or destruction of property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Tennessee",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "financial_responsibility_alternative": "posting a bond with the Department of Revenue for $65,000, or making a cash deposit with the Department of Revenue for $65,000",
      "issuing_authority": "Tennessee Department of Revenue",
      "id": "tennessee",
      "url": "https://referencesource.org/auto-insurance-minimums/tennessee/",
      "source": "https://revenue.support.tn.gov/hc/en-us/articles/360060282311-DIFD-1-Insurance-Verification-Overview",
      "source_quote": "The required minimum limits of your liability car insurance are: $25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $25,000 for property damage per accident. (If you have a car loan or lease, your lender may require you to have collision and comprehensive coverage.) Other ways you can show proof of financial responsibility to satisfy legal requirements are: posting a bond with the Department of Revenue for $65,000. making a cash deposit with the Department of Revenue for $65,000.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "financial_responsibility_alternative",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Texas",
      "bodily_injury_per_person": "$30,000",
      "bodily_injury_per_accident": "$60,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "Texas Department of Insurance",
      "id": "texas",
      "url": "https://referencesource.org/auto-insurance-minimums/texas/",
      "source": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
      "source_quote": "Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Utah",
      "bodily_injury_per_person": "$30,000",
      "bodily_injury_per_accident": "$65,000",
      "property_damage_per_accident": "$25,000",
      "combined_single_limit": "$90,000 in any one accident whether arising from bodily injury to or the death of others, or from destruction of, or damage to, the property of others",
      "effective_date": "policy issued or renewed on or after January 1, 2025",
      "issuing_authority": "Utah Code 31A-22-304, Motor vehicle liability policy minimum limits",
      "id": "utah",
      "url": "https://referencesource.org/auto-insurance-minimums/utah/",
      "source": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.pdf",
      "source_quote": "a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident; (ii) subject to the limit for one person in Subsection (2)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and (iii) in the amount of $25,000 because of liability for injury to, or destruction of, property of others arising out of the use of a motor vehicle in any one accident; or (b) $90,000 in any one accident whether arising from bodily injury to or the death of others, or from destruction of, or damage to, the property of others.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "combined_single_limit",
        "effective_date",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Vermont",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "Vermont Department of Financial Regulation",
      "id": "vermont",
      "url": "https://referencesource.org/auto-insurance-minimums/vermont/",
      "source": "https://dfr.vermont.gov/consumers/explore-insurance/auto",
      "source_quote": "What are the liability limits required to obtain an SR-22 in the State of Vermont? The State liability limits for Vermont are $25,000 per person, $50,000 per accident and $10,000 property damage.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Virginia",
      "bodily_injury_per_person": "$50,000",
      "bodily_injury_per_accident": "$100,000",
      "property_damage_per_accident": "$25,000",
      "effective_date": "For all policies effective on or after January 1, 2025",
      "issuing_authority": "Code of Virginia \u00a7 46.2-472",
      "notes": "For policies effective before January 1, 2025 the limits were $30,000 because of bodily injury to or death of one person, $60,000 per accident and $20,000 for property damage.",
      "id": "virginia",
      "url": "https://referencesource.org/auto-insurance-minimums/virginia/",
      "source": "https://law.lis.virginia.gov/vacode/title46.2/chapter4/section46.2-472/",
      "source_quote": "subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $30,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $60,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $20,000 because of injury to or destruction of property of others in any one accident. B. For all policies effective on or after January 1, 2025, every motor vehicle owner's policy shall: 1. Designate, by explicit description or appropriate reference, all motor vehicles with respect to which coverage is intended to be granted. 2. Insure as insured the person named and any other person using or responsible for the use of the motor vehicle or vehicles with the permission of the named insured. 3. Insure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by an accident and arising out of the ownership, use, or operation of such motor vehicle or vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "effective_date",
        "notes",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Washington",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "financial_responsibility_alternative": "a certificate of deposit with the Department of Licensing, or a liability bond of at least $60,000 filed by a surety bond company authorized to do business in Washington",
      "issuing_authority": "Washington Office of the Insurance Commissioner",
      "id": "washington",
      "url": "https://referencesource.org/auto-insurance-minimums/washington/",
      "source": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
      "source_quote": "Carry liability insurance with liability limits of at least: $25,000 for injuries or death to another person $50,000 for injuries or death to all other people $10,000 for damage to another person's property",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "West Virginia",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$25,000",
      "issuing_authority": "West Virginia Offices of the Insurance Commissioner",
      "id": "west-virginia",
      "url": "https://referencesource.org/auto-insurance-minimums/west-virginia/",
      "source": "https://www.wvinsurance.gov/Consumer_Services_mandatory_limits",
      "source_quote": "Automobile Mandatory Limits Liability: $25,000/$50,000 Property damage: $25,000",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "issuing_authority",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Wisconsin",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$10,000",
      "issuing_authority": "Wisconsin Department of Transportation / DMV",
      "id": "wisconsin",
      "url": "https://referencesource.org/auto-insurance-minimums/wisconsin/",
      "source": "https://wisconsindot.gov/pages/dmv/license-drvs/rcd-crsh-rpt/auto-insurance.aspx",
      "source_quote": "Minimum liability coverage amounts are&#58;\u200b $10,000 for property damage $25,000 for the injury or death of one person $50,000 for the injury or death of more than one person",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    },
    {
      "state": "Wyoming",
      "bodily_injury_per_person": "$25,000",
      "bodily_injury_per_accident": "$50,000",
      "property_damage_per_accident": "$20,000",
      "issuing_authority": "Wyoming Statutes 31-9-405, \"Liability policy\" defined; required coverage; additional clauses",
      "id": "wyoming",
      "url": "https://referencesource.org/auto-insurance-minimums/wyoming/",
      "source": "https://wyoleg.gov/statutes/compress/title31.pdf",
      "source_quote": "subject to limits exclusive of interest and costs with respect to each motor vehicle, as follows: twenty-five thousand dollars ($25,000.00) because of bodily injury to or death of one (1) person in any one (1) accident and, subject to the limit for one (1) person, fifty thousand dollars ($50,000.00) because of bodily injury to or death of two (2) or more persons in any one (1) accident and twenty thousand dollars ($20,000.00) because of injury to or destruction of property of others in any one (1) accident.",
      "verified_fields": [
        "bodily_injury_per_accident",
        "bodily_injury_per_person",
        "property_damage_per_accident"
      ],
      "derived_fields": [
        "state"
      ]
    }
  ]
}