Understanding car insurance requirements in the United States is essential for every driver. Each state has its own laws governing insurance coverage, which can significantly affect your policy and driving experience. Below is a detailed breakdown of the car insurance requirements by state.
1. Alabama
In Alabama, drivers are required to carry a minimum liability coverage of:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $25,000 for property damage
2. Alaska
Alaska mandates liability coverage which includes:
- $50,000 for bodily injury per person
- $100,000 for total bodily injury per accident
- $25,000 for property damage
3. Arizona
In Arizona, drivers must have the following minimum coverage:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $10,000 for property damage
4. Arkansas
The state requires the following minimum liability insurance:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
5. California
California has a minimum requirement of:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $5,000 for property damage
6. Colorado
In Colorado, the minimum coverage includes:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $15,000 for property damage
7. Connecticut
Connecticut mandates liability insurance with the following limits:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
8. Delaware
Delaware requires the following minimum insurance coverage:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $10,000 for property damage
9. Florida
In Florida, drivers must carry:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 for property damage liability
10. Georgia
Georgia has the following minimum insurance requirements:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
11. Hawaii
In Hawaii, drivers are required to hold:
- $20,000 for bodily injury per person
- $40,000 for total bodily injury per accident
- $10,000 for property damage
12. Idaho
Idaho mandates liability coverage including:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $15,000 for property damage
13. Illinois
The minimum required coverage in Illinois includes:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $20,000 for property damage
14. Indiana
In Indiana, drivers must have:
-
<
