Minimum Car Insurance in Every State (2026)
The minimum auto liability limits each state and DC requires, from the state insurance department or statute.
| State | Minimum coverage required |
|---|---|
| Alabama | Alabama's Mandatory Liability Insurance Law says no one may operate, register or keep registered a motor vehicle unless it is covered by a liability policy from an insurer licensed in Alabama, with limits of at least $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more people, and $25,000 for property damage (25/50/25). Minimum liability insurance is required on all self-propelled motor vehicles; some vehicles, such as trailers, government-owned vehicles and vehicles covered under a commercial auto liability policy, are exempt (Ala. Code § 32-7A-5 lists other exemptions). Alabama Department of Insurance, Automobile Insurance FAQs; Alabama Department of Revenue, Mandatory Liability Insurance brochure |
| Alaska | The owner or operator of a vehicle subject to registration must be insured under a motor vehicle liability policy (or hold a certificate of self-insurance under AS 28.20.400). Minimum limits are $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage (50/100/25). The policy must also include uninsured/underinsured motorist coverage in those same amounts unless the insured rejects it in writing. Insurance is not required in certain road-isolated areas exempt from registration, but a driver cited within the last five years for a violation worth 6 or more points must still carry liability insurance. Alaska Stat. §§ 28.22.011, 28.22.101; Alaska DMV, Mandatory Insurance |
| Arizona | For policies issued or renewed on or after July 1, 2020, minimum liability limits are $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $15,000 for property damage (25/50/15). A vehicle driven on Arizona highways must be covered by such a policy, a certificate of self-insurance, or an alternate method of proof — a certificate from the State Treasurer showing a deposit of $40,000 in cash or certificates of deposit. (Holders of a self-insurance certificate are subject to the older 15/30/10 limits.) Ariz. Rev. Stat. §§ 28-4009, 28-4135(A), 28-4076, 28-4084 |
| Arkansas | It is unlawful to operate a motor vehicle in Arkansas unless it is insured for at least $25,000 for bodily injury or death of one person in an accident, $50,000 for bodily injury or death of two or more people in an accident, and $25,000 for property damage (25/50/25). A certificate of self-insurance is the alternative to a policy. Liability is the only coverage the law requires drivers to buy. Insurers must also include personal injury protection (PIP) benefits in private passenger policies unless the named insured rejects them in writing: medical and hospital expenses up to $5,000 per person (incurred within 24 months), 70% of lost income up to $140 a week for up to 52 weeks, and a $5,000 accidental death benefit. Arkansas Insurance Department, Automobile Insurance brochure; Ark. Code Ann. §§ 27-22-104, 23-89-202, 23-89-203 |
| California | Insurance (financial responsibility) is required on every vehicle operated or parked on California roads. Minimum liability limits are $30,000 for injury or death of one person, $60,000 for injury or death of more than one person, and $15,000 for property damage (30/60/15) (Cal. Ins. Code § 11580.1b). Alternatives to a liability policy are a $75,000 cash deposit with the DMV, a $75,000 surety bond from a company licensed in California, or a DMV-issued self-insurance certificate. Collision and comprehensive coverage do not meet the requirement. Income-eligible good drivers may qualify for the California Low Cost Automobile Insurance Program, whose lower limits ($10,000/$20,000/$3,000) satisfy the financial responsibility law. California DMV, Insurance Requirements; California Department of Insurance, Automobile Insurance guide |
| Colorado | Every owner who drives or permits a vehicle to be driven on Colorado highways must have a complying policy with liability limits of at least $25,000 for bodily injury or death of one person, $50,000 for all persons in one accident, and $15,000 for property damage (25/50/15). A person with more than 25 vehicles registered in their name may instead qualify as a self-insurer with a certificate from the Insurance Commissioner. Policies must also include $5,000 of medical payments coverage unless the named insured rejects it in writing (or in the same medium used to apply). Colo. Rev. Stat. §§ 10-4-619, 10-4-620, 10-4-624, 10-4-635; Colorado Legislative Council, Motor Vehicle Handbook (2024) |
| Connecticut | Connecticut requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25), or a $50,000 single limit for bodily injury and property damage. Drivers must also carry uninsured/underinsured motorist coverage of at least $25,000 per person/$50,000 per accident. Liability insurance must be maintained continuously on any registered vehicle until its registration or plates are canceled. Collision and comprehensive coverage are not required by law. Connecticut Insurance Department, Auto Insurance FAQs; Connecticut DMV, Insurance compliance |
| Delaware | Every owner of a vehicle required to be registered in Delaware (other than a self-insurer) must carry: liability coverage of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one accident, and $10,000 for property damage (25/50/10); personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident for medical, funeral (up to $5,000), lost earnings and related expenses incurred within 2 years of the accident; and $10,000 of property damage coverage for property other than vehicles. Only policies from insurers authorized in Delaware count. Owners may elect PIP deductibles and other reductions in writing. 21 Del. C. §§ 2118(a), 2902 |
| District of Columbia | Owners of vehicles registered in D.C. (or holding a reciprocity sticker) must keep insurance in effect continuously during the registration period. Required minimums: $25,000 per person and $50,000 per accident for bodily injury liability; $10,000 for property damage liability; uninsured motorist bodily injury of $25,000 per person and $50,000 per accident; and uninsured motorist property damage of $5,000 (subject to a $200 deductible). Insurers must also offer optional personal injury protection (PIP) and optional underinsured motorist coverage. Insurance may come from an insurer authorized in D.C. or another method approved by the Commissioner. D.C. Code §§ 31-2403, 31-2406; DC DMV, Vehicle Insurance |
| Florida | To register a vehicle with at least four wheels in Florida, the owner must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) from an insurer licensed in Florida (or hold a FLHSMV self-insurance certificate), and keep it continuously for the whole registration period even if the vehicle is not driven. PIP pays 80% of necessary and reasonable medical expenses up to $10,000 regardless of who caused the crash. Bodily injury liability is not required to register a private passenger vehicle, but under the Financial Responsibility Law an at-fault driver in a crash with injuries must have had bodily injury liability of $10,000 per person / $20,000 per crash (plus $10,000 PDL and $10,000 PIP); otherwise the driver must buy that coverage with an SR-22 filing for three years. Taxis must carry $125,000/$250,000 bodily injury and $50,000 property damage. FLHSMV, Florida Insurance Requirements; Involved in a Crash? |
| Georgia | Georgia drivers must carry liability insurance of at least $25,000 per person and $50,000 per incident for bodily injury and $25,000 per incident for property damage (25/50/25). Collision and comprehensive coverage are not required by state law (lenders usually require them). Policies must also include uninsured motorist coverage unless a named insured rejects it in writing. Georgia Office of Commissioner of Insurance and Safety Fire (OCI), Auto; O.C.G.A. § 33-7-11 |
| Hawaii | For new and renewal policies effective on or after January 1, 2026, Hawaii requires liability coverage of at least $40,000 per person and $80,000 per accident for bodily injury and $20,000 for property damage (40/80/20), replacing the former 20/40/10 minimums. Policies must also include personal injury protection (PIP) of at least $10,000 per person for the insured's own medical and rehabilitation costs regardless of fault, and uninsured motorist coverage at the bodily injury liability limits unless a named insured rejects it in writing. A vehicle must be insured throughout its registration period. Hawaii Insurance Division, FAQ: Auto Insurance Minimum Limits (2026); Haw. Rev. Stat. § 431:10C-301(b) |
| Idaho | Every owner of a vehicle registered and operated in Idaho must continuously carry liability insurance from a company licensed in Idaho of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $15,000 for property damage (25/50/15). Instead of a policy, an owner may post an indemnity bond with the Director of Insurance (at least $50,000 per accident, including $15,000 for property damage, per vehicle, up to $120,000 for five or more vehicles) or hold a certificate of self-insurance. Idaho Code §§ 49-1229, 49-117(20); Idaho Transportation Department (ITD), Vehicle Insurance |
| Illinois | No one may operate, register or keep registered a motor vehicle in Illinois unless it is covered by a liability insurance policy from an insurer authorized in Illinois, with limits of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one crash, and $20,000 for property damage (25/50/20). Policies must also include uninsured motorist coverage (at least the same bodily injury minimums). Exempt vehicles include self-insured vehicles, government vehicles and inoperable or stored vehicles. 625 ILCS 5/7-601, 5/7-203; 215 ILCS 5/143a |
| Indiana | A person may not operate a motor vehicle in Indiana unless financial responsibility is in effect for it. The minimum liability insurance is $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage (25/50/25). New auto liability policies must also include uninsured and underinsured motorist coverage unless rejected in writing. Organizations with a BMV-issued Certificate of Self-Insurance may self-insure. Indiana BMV, Proof of Financial Responsibility; Indiana Department of Insurance, Auto Insurance |
| Iowa | Iowa requires minimum liability coverage of $20,000 for bodily injury or death of one person in any one accident, $40,000 for bodily injury or death of two or more people in any one accident, and $15,000 for injury to or destruction of others' property in any one accident (20/40/15). Auto liability policies must also include uninsured, hit-and-run and underinsured motorist coverage unless the named insured rejects it in writing. A person who must file proof of financial responsibility may, instead of an insurer's SR-22, file a surety bond, cash or securities totaling $55,000. Iowa Insurance Division, Auto Insurance; Iowa Code § 516A.1; Iowa DOT, Proof of Insurance After a Suspension (SR-22) |
| Kansas | Every Kansas vehicle owner must carry motor vehicle liability insurance with limits of at least $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 people in one accident, and $25,000 for damage to others' property in one accident (25/50/25). Policies must also include personal injury protection (PIP) benefits and uninsured/underinsured motorist coverage. Minimum PIP benefits include medical benefits of at least $4,500 per person, disability (lost income) benefits of at least $900 per month for up to one year, rehabilitation benefits of at least $4,500, survivors' benefits of at least $900 per month, funeral benefits of up to $2,000, and substitution (essential services) benefits of up to $25 per day for up to 365 days. Owners of vehicles under an approved self-insurance plan are exempt from the insurance requirement. K.S.A. 40-3107, 40-3103, 40-3104, 40-284 |
| Kentucky | All Kentucky vehicle owners must carry liability coverage of at least $25,000 for bodily injury to any one person, $50,000 for all bodily injury in one accident, and $25,000 for property damage in one accident (25/50/25); a policy with a single limit of $60,000 is also acceptable. Policies must also include basic reparation benefits (personal injury protection, PIP) of up to $10,000 per person per accident, except for motorcycles. Uninsured motorist coverage at the minimum bodily injury limits must be included unless the named insured rejects it in writing. Self-insured owners show documents from the Department of Insurance instead of a policy. Kentucky Transportation Cabinet (DRIVE), Mandatory Insurance; Kentucky Department of Insurance, No-Fault (PIP); KRS 304.20-020 |
| Louisiana | Louisiana requires liability coverage of at least 15/30/25: $15,000 for bodily injury or death of one person, $30,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Instead of an insurance policy, an owner may meet the requirement with a motor vehicle liability bond, a certificate from the state treasurer showing a cash or securities deposit, or a certificate of self-insurance. La. R.S. 32:900(B)(2); La. R.S. 32:861(A)(1) |
| Maine | Maine requires 50/100/25 liability coverage: $50,000 for injury to or death of one person, $100,000 for one accident injuring or killing more than one person, and $25,000 for property damage. A combined single limit of $125,000 also meets the liability requirement. Policies must also include at least $2,000 in medical payments coverage, $500 for towing and storage, and uninsured/underinsured motorist coverage of at least $50,000/$100,000. Proof of financial responsibility can also be given by an insurer or surety company certificate, or by depositing money or securities with the State Treasurer equal to the required amounts. 29-A M.R.S. §1605(1)(C), (3)-(4); Maine Bureau of Insurance, Insurance Required by Law |
| Maryland | Maryland requires 30/60/15 liability coverage: $30,000 per person and $60,000 per accident for bodily injury, and $15,000 for property damage. Policies must also include uninsured/underinsured motorist coverage in the same minimum amounts ($30,000/$60,000 bodily injury and $15,000 property damage) and $2,500 of personal injury protection (PIP) unless PIP is waived. The Motor Vehicle Administration may accept another form of security (such as self-insurance) if it provides the required benefits. Md. Code, Transp. §17-103; Maryland Insurance Administration, auto penalty page |
| Massachusetts | For policies issued or renewed on or after July 1, 2025, Massachusetts compulsory bodily injury liability coverage must be at least $25,000 per person and $50,000 per accident (raised from $20,000/$40,000), and property damage liability must be at least $30,000 per accident (raised from $5,000), i.e. 25/50/30. Every policy must also include personal injury protection (PIP) and uninsured motorist coverage at no less than the bodily injury liability limits. A motor vehicle liability bond or deposit may be used in place of a policy. Mass. Acts 2024, c. 275, §§1-4; M.G.L. c. 90, §34O; M.G.L. c. 90, §34M; M.G.L. c. 175, §113L |
| Michigan | Every Michigan auto policy must include personal injury protection (PIP), property protection insurance (PPI), and residual liability insurance. For policies issued after July 1, 2020, default bodily injury liability limits are $250,000 per person and $500,000 per accident, with $10,000 for property damage (250/500/10). A policyholder may choose lower bodily injury limits, but not below $50,000 per person and $100,000 per accident (50/100), by signing a state-approved form after receiving a price for each option. PPI pays up to $1 million for damage your car does in Michigan to other people's property, such as buildings, fences and properly parked vehicles. MCL 500.3009; MCL 500.3101; DIFS Comprehensive Guide to Auto Insurance |
| Minnesota | Minnesota requires residual liability coverage of at least 30/60/10: $30,000 for bodily injury to one person, $60,000 for injury to two or more people in one accident, and $10,000 for property damage. Every policy must also include basic economic loss (no-fault/PIP) benefits of at least $40,000 per person ($20,000 for medical expenses and $20,000 for income loss, replacement services, funeral and survivor losses), plus separate uninsured and underinsured motorist coverages of at least $25,000 per person and $50,000 per accident each. Minn. Stat. §65B.49, subds. 3 and 3a; §65B.44, subd. 1 |
| Mississippi | Mississippi requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Instead of an insurance policy, a driver can meet the requirement by posting a bond for the same amounts or making a cash or security deposit equal to the minimum requirements. Mississippi Insurance Department, Auto Insurance |
| Missouri | Missouri requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Every auto liability policy for a vehicle registered or principally garaged in Missouri must also include uninsured motorist coverage at no less than the 25/50 bodily injury limits. Owners may also maintain financial responsibility in another manner allowed by section 303.160 (such as a bond or deposit) instead of a policy. RSMo §303.190; §379.203; §303.025.2 |
| Montana | Montana requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $20,000 for property damage. Owners must continuously maintain this insurance, or hold a certificate of self-insurance. MCA 61-6-103; 61-6-301 |
| Nebraska | Nebraska requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident each. A bond is also listed by the DMV as acceptable proof of financial responsibility. Neb. Rev. Stat. §60-310; §44-6408 |
| Nevada | Nevada requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one crash, and $20,000 for property damage. Owners must continuously carry this insurance from an insurer licensed and approved in Nevada while the vehicle is registered or present in the state; out-of-state insurance is not accepted, and the registered owner must be a named insured on the policy. NRS 485.185; Nevada DMV, Insurance Requirements |
| New Hampshire | New Hampshire's financial responsibility law (RSA chapter 264) requires proof of financial responsibility in specific situations. When proof of financial responsibility is required (for example after certain convictions or an accident without insurance), it must cover at least 25/50/25: $25,000 for bodily injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $25,000 for property damage. A motor vehicle liability policy must meet those limits, include at least $1,000 per person of medical payments coverage, and include uninsured motorist coverage. Proof may be given by an insurer or surety certificate or by a deposit of money or securities with the state treasurer. RSA 264:20; RSA 259:61; RSA 264:16; RSA 264:21-23 |
| New Jersey | Car insurance is required in New Jersey, and drivers choose between two main policy types. The Standard Policy (chosen by most drivers) has bodily injury liability as low as $35,000 per person and $70,000 per accident (35/70), property damage liability as low as $25,000 per accident, personal injury protection (PIP) as low as $15,000 per person or accident (up to $250,000 for certain serious injuries regardless of the limit selected), and uninsured/underinsured motorist coverage. The lower-cost Basic Policy meets the legal minimum with $5,000 property damage liability and $15,000 PIP (up to $250,000 for certain injuries); bodily injury liability is not included but $10,000 is available as an option. A medical-only Special Automobile Insurance Policy (SAIP) is available to drivers eligible for federal Medicaid with hospitalization for $365 a year. NJ Department of Banking and Insurance (DOBI), New Jersey Auto Insurance Buyer's Guide (2026); Everything Auto Insurance (2026) |
| New Mexico | Under New Mexico's Mandatory Financial Responsibility Act, an owner may not let an uninsured vehicle be driven, and no one may drive one. Required evidence of financial responsibility is 25/50/10: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $10,000 for property damage. Instead of an insurance policy, an owner may use a surety bond or a cash deposit with the state treasurer totaling $60,000. NMSA 1978, §§66-5-205, 66-5-208 |
| New York | New York requires liability coverage of at least $25,000 for bodily injury and $50,000 for death of one person, $50,000 for bodily injury and $100,000 for death of two or more people in one accident, and $10,000 for property damage (often written 25/50/10). Every policy must also include uninsured motorist coverage of at least $25,000 per person ($50,000 for death) and $50,000 per accident ($100,000 for death), plus no-fault (personal injury protection) coverage for basic economic loss of up to $50,000 per person. Registration requires proof of insurance, a financial security bond or deposit, or self-insurance. N.Y. Veh. & Traf. Law §§311(4), 312(1); N.Y. Ins. Law §§3420(f)(1), 5102(a) |
| North Carolina | For policies issued or renewed after July 1, 2025, North Carolina requires minimum liability coverage of $50,000 for bodily injury to one person, $100,000 for bodily injury to two or more people, and $50,000 for property damage (50/100/50). Policies issued or renewed before July 1, 2025 had minimums of $30,000/$60,000/$25,000. Uninsured and underinsured motorist coverage is also required on all policies. Every vehicle with a valid North Carolina registration must have continuous liability insurance from a company licensed in North Carolina; out-of-state policies are not accepted. NCDMV, Vehicle Insurance Requirements (G.S. 20-279.21, 20-309); NC Department of Insurance, Automobile insurance: What's covered and what isn't |
| North Dakota | North Dakota requires minimum coverage of 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Every policy must also include uninsured motorist coverage of $25,000 per person/$50,000 per accident, underinsured motorist coverage equal to the uninsured motorist coverage, and basic no-fault (personal injury protection, PIP) of $30,000 per person. Proof of financial responsibility, when required, may also be given by a surety bond or a deposit of money or securities. North Dakota Insurance Department, Auto; N.D. Cent. Code § 39-16.1-08 |
| Ohio | Ohio requires proof of financial responsibility of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for damage to others' property. Besides an insurance policy, proof can be a bond, a certificate of deposit of money or securities, or a certificate of self-insurance. Ohio Rev. Code §§ 4509.01(K), 4509.101(G) |
| Oklahoma | For policies issued or renewed on or after April 1, 2005, Oklahoma's minimum liability limits are 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Every owner must keep this security on a registered vehicle. 47 Okla. Stat. §§ 7-600, 7-601 |
| Oregon | Oregon's minimum liability limits are 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage. Policies must also include personal injury protection (PIP), with up to $15,000 per person for medical and related expenses, and uninsured/underinsured motorist coverage. Financial responsibility can also be met through self-insurance certified by DMV. Or. Rev. Stat. §§ 806.060, 806.070, 742.502, 742.520, 742.524 |
| Pennsylvania | Pennsylvania requires 15/30/5 liability: $15,000 for injury or death of one person, $30,000 for injury or death of more than one person in an accident, and $5,000 for damage to another person's property. Some insurers offer a $35,000 combined single limit that meets both liability minimums. Policies must also include medical benefits (first-party benefits) with a minimum of $5,000. A certificate of self-insurance issued by PennDOT is also accepted as proof of financial responsibility. Pennsylvania Insurance Department, Auto Insurance Guide; PennDOT Insurance Law fact sheet |
| Rhode Island | Rhode Island requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $75,000 combined single limit. Alternatives include a financial security bond, a $75,000 deposit of cash or securities, or a certificate of self-insurance. R.I. Gen. Laws §§ 31-47-2, 31-47-12(c) |
| South Carolina | South Carolina requires 25/50/25 liability: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. You must also carry uninsured motorist coverage at the same minimum amounts (25/50/25), typically with a $200 deductible. S.C. Code §§ 38-77-140, 38-77-150; SC Department of Insurance, Automobile Insurance |
| South Dakota | South Dakota requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage. Alternatives to insurance are a bond, a $50,000 certificate of deposit of money or securities, or a certificate of self-insurance. S.D. Codified Laws §§ 32-35-70, 32-35-113, 58-11-9, 58-11-9.4 |
| Tennessee | Tennessee's Financial Responsibility Law requires minimum liability limits of 25/50/25: $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 for property damage per accident. Vehicles with commercial plates must be covered by a commercial auto policy. Owners may instead qualify for an exemption, such as approved self-insurance. Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee) |
| Texas | Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. All policies include personal injury protection (PIP) unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage. Alternatives to insurance include a surety bond or a $55,000 deposit of cash or securities with the comptroller. Texas Department of Insurance, Auto insurance guide; Tex. Transp. Code § 601.122 |
| Utah | For policies issued or renewed on or after January 1, 2025, Utah's minimum liability limits are 30/65/25: $30,000 for bodily injury to or death of one person, $65,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $90,000 combined single limit. (Policies issued or renewed on or before December 31, 2024 had 25/65/15 or $80,000 single-limit minimums.) Policies must also include personal injury protection (PIP) of at least $3,000 per person in medical expenses, plus wage-loss and household-services benefits. Other forms of security include a surety bond, a deposit with the state treasurer, or self-funded coverage. Utah Code §§ 31A-22-304, 31A-22-307, 41-12a-302(1) |
| Vermont | Vermont requires a liability policy or bond of at least 25/50/10: $25,000 for one person and $50,000 for two or more people killed or injured, and $10,000 for property damage in any one crash; or $115,000 in self-insurance filed with the Commissioner of Motor Vehicles. Policies must also include uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per crash for bodily injury, plus up to $10,000 for property damage. 23 V.S.A. §§ 800(a), 941 |
| Virginia | For policies effective on or after January 1, 2025, an owner's policy must provide at least 50/100/25: $50,000 for bodily injury to or death of one person, $100,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage at no less than these limits. Va. Code §§ 46.2-472(B), 38.2-2206(A) |
| Washington | Washington requires liability insurance of at least 25/50/10: $25,000 for injuries or death to another person, $50,000 for injuries or death to all other people, and $10,000 for damage to another person's property. Alternatives are a certificate of deposit with the Department of Licensing, a liability bond of at least $60,000 from an authorized surety, or self-insurance for owners of 26 or more vehicles. The requirement also applies to motorcycles. Rev. Code Wash. §§ 46.30.020, 46.29.090; Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law |
| West Virginia | Since January 1, 2016, West Virginia requires 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Security can be an insurance policy from an authorized insurer or qualification as a self-insurer. Policies must also include uninsured motorist coverage at least at these limits. W. Va. Code §§ 17D-4-2(b), 17D-2A-3(e), 33-6-31 |
| Wisconsin | Wisconsin requires a motor vehicle liability policy with minimum limits of 25/50/10: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $10,000 for property damage. Policies must also include uninsured motorist coverage of at least $25,000 per person and $50,000 per accident and medical payments coverage of at least $1,000 per person (the named insured may reject medical payments). Alternatives to insurance include a filed bond, a cash or securities deposit, or self-insurance. Wis. Stat. §§ 344.01(2)(d), 344.62, 344.63, 632.32(4) |
| Wyoming | Wyoming requires an owner's liability policy of at least 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage; or a bond in the required amounts. Policies must also include uninsured motorist coverage at the same bodily injury limits unless the named insured rejects it. Wyo. Stat. §§ 31-4-103(a), 31-9-405(b), 31-10-101 |
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.