frequently asked questions
What are the state-mandated levels of auto insurance?
For drivers between the ages of 18 and 20 at our universities, we provide coverage up to state-mandated levels. All 50 U.S. states have different mandates. Here's the scoop...
How to read liability limits
The following information will help you understand the table of liability limits.
First number: bodily injury liability maximum for one person injured in an accident.
Second number: bodily injury liability maximum for all injuries in one accident.
Third number: property damage liability maximum for one accident.
So, looking at the table, you find that in Alabama the required liability limits are $20,000 for injury liability per person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.
The following data was updated: May 2009. For up-to-date information please check with your state insurance commissioner.
| State | Liability required? Liability minimums (in thousands of dollars) |
|---|---|
| Alabama | Yes, 20/40/10 |
| Alaska | Yes, 50/100/25 |
| Arizona | Yes, 15/30/10 |
| Arkansas | Yes, 25/50/25 |
| California | Yes, 15/30/5 |
| Colorado | Yes, 25/50/15 |
| Connecticut | Yes, 20/40/10 |
| Delaware | Yes, 15/30/10 |
| Florida | Yes, 10/20/10 |
| Georgia | Yes, 25/50/25 |
| Hawaii | Yes, 20/40/10 |
| Idaho | Yes, 25/50/15 |
| Illinois | Yes, 20/40/15 |
| Indiana | Yes, 25/50/10 |
| Iowa | Yes, 20/40/15 |
| Kansas | Yes, 25/50/10 |
| Kentucky | Yes, 25/50/10 |
| Louisiana | Yes, 10/20/10 |
| Maine | Yes, 50/100/25 |
| Maryland | Yes, 20/40/15 |
| Massachusetts | Yes, 20/40/5 |
| Michigan | Yes, 20/40/10 |
| Minnesota | Yes, 30/60/10 |
| Mississippi | Yes, 25/50/25 |
| Missouri | Yes, 25/50/10 |
| Montana | Yes, 25/50/10 |
| Nebraska | Yes, 25/50/25 |
| Nevada | Yes, 15/30/10 |
| New Hampshire | Yes, 25/50/25 |
| New Jersey | Yes, 15/30/5 |
| New Mexico | Yes, 25/50/10 |
| New York | Yes, 25/50/10 |
| North Carolina | Yes, 30/60/25 |
| North Dakota | Yes, 25/50/25 |
| Ohio | Yes, 12.5/25/7.5 |
| Oklahoma | Yes, 25/50/25 |
| Oregon | Yes, 25/50/10 |
| Pennsylvania | Yes, 15/30/5 |
| Rhode Island | Yes, 25/50/25 |
| South Carolina | Yes, 25/50/25 |
| South Dakota | Yes, 25/50/25 |
| Tennessee | Yes, 25/50/10 |
| Texas | Yes, 25/50/25 |
| Utah | Yes, 25/50/15 |
| Vermont | Yes, 25/50/10 |
| Virginia | Yes, 25/50/20 |
| Washington | Yes, 25/50/10 |
| Washington D.C. | Yes, 25/50/10 |
| West Virginia | Yes, 20/40/10 |
| Wisconsin | Yes, 25/50/10 |
| Wyoming | Yes, 25/50/20 |
