Although, to legaly operate a vehicle in the United States, all you need is Liability Insurance, its always a good idea to purchase additional coverage. For example, no state requires collision or comprehensive coverage, however, these are very common add-ons many drivers opt for so as to help with car thefts, animal collisions and more. Click here for more information on additional coverages. Or, if you already found what you were looking for, why not compare car rental prices now and get the most for your buck!
|
State |
Requirements |
Official References |
| Alabama |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
|
| Alaska |
$50,000 bodily injury liability per person $100,000 bodily injury liability per accident$25,000 property damage liability per accident |
http://doa.alaska.gov/dmv/faq/manins.htm |
| Arizona |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $10,000 property damage liability per accident |
https://www.azdot.gov/mvd/faq/vehicle-services/mandatory-insurance |
| Arkansas |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.dfa.arkansas.gov/offices/driverServices/Pages/SafetyResponsiblity.aspx |
| California |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident |
https://www.dmv.ca.gov/portal/dmv/detail/pubs/brochures/fast_facts/ffvr18 |
| Colorado |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident |
https://leg.colorado.gov/sites/default/files/images/olls/crs2016-title-10.pdf |
| Connecticut |
$20,000 bodily injury liability per person $40,000 bodily injury liability per accident $10,000 property damage liability per accident $20,000 uninsured/underinsured motorist coverage per person $40,000 uninsured/underinsured motorist coverage per accident |
http://www.ct.gov/cid/cwp/view.asp?q=254618 |
| Delaware |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
http://delcode.delaware.gov/title21/c029/sc01/index.shtml |
| Florida |
$10,000 property damage liability per accident $10,000 personal injury protection |
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.021.html |
| Georgia |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
https://www.oci.ga.gov/consumerservice/autoinsurance.aspx |
| Hawaii |
$20,000 bodily injury liability per person $40,000 bodily injury liability per accident $10,000 property damage liability per accident $10,000 personal injury protection |
http://cca.hawaii.gov/ins/consumer/mvi/ |
| Idaho |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident |
https://legislature.idaho.gov/statutesrules/idstat/Title49/T49CH1/SECT49-117/ |
| Illinois |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=062500050HCh%2E+7+Art%2E+III&ActID=1815&ChapterID=49&SeqStart=101000000&SeqEnd=104100000 |
| Indiana |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.in.gov/bmv/2372.htm |
| Iowa |
$20,000 bodily injury liability per person $40,000 bodily injury liability per accident $15,000 property damage liability per accident |
https://www.legis.iowa.gov/DOCS/IACODE/2001SUPPLEMENT/321A/21.html |
| Kansas |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
http://www.kslegislature.org/li_2014/b2013_14/statute/040_000_0000_chapter/040_031_0000_article/040_031_0007_section/040_031_0007_k/ |
| Kentucky |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $10,000 personal injury protection |
https://drive.ky.gov/Motor-Vehicle-Licensing/Pages/Mandatory-Insurance.aspx |
| Louisiana |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.ldi.la.gov/docs/default-source/documents/legaldocs/advisoryletters/al09-03-cur-newfinancialresponsi.pdf |
| Maine |
$50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident $50,000 uninsured motorist coverage per person $100,000 uninsured motorist coverage per accident $2,000 medical payments coverage |
http://www.maine.gov/pfr/insurance/consumer/individuals_families/auto/general_information/required_insurance.html |
| Maryland |
$30,000 bodily injury liability per person $60,000 bodily injury liability per accident $15,000 property damage liability per accident $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $15,000 uninsured/underinsured property damage coverage per accident |
http://www.mva.maryland.gov/vehicles/insurance/ |
| Massachusetts |
$20,000 bodily injury liability per person $40,000 bodily injury liability per accident $5,000 property damage liability per accident $20,000 uninsured motorist coverage per person $40,000 uninsured motorist coverage per accident $8,000 personal injury protection |
http://www.mass.gov/ago/consumer-resources/consumer-information/auto-and-vehicle-insurance/understanding-insurance.html |
| Michigan |
$20,000 bodily injury liability per person $40,000 bodily injury liability per accident $10,000 property damage liability per accident Personal injury protection (unlimited) $1 million property protection |
http://www.michigan.gov/difs/0,5269,7-303-13648_60666_77183---,00.html |
| Minnesota |
$30,000 bodily injury liability per person $60,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $40,000 personal injury protection |
https://dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf |
| Mississippi |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.mid.ms.gov/consumers/auto-insurance.aspx |
| Missouri |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
http://dor.mo.gov/drivers/insurinfo.php#info |
| Montana |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident |
https://dojmt.gov/driving/insurance-and-verification/ |
| Nebraska |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
http://nebraskalegislature.gov/laws/statutes.php?statute=44-6408 |
| Nevada |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $10,000 property damage liability per accident |
https://www.leg.state.nv.us/Statutes/78th2015/Stats201517.html#Stats201517page1745 |
| New Hampshire |
(Minimum limits if driver purchases car insurance, which is optional.) $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $25,000 uninsured/underinsured motorist property damage coverage $1,000 medical payments coverage |
https://www.nh.gov/insurance/consumers/documents/nh_auto_guide.pdf |
| New Jersey |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident $15,000 personal injury protection |
http://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml |
| New Mexico |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
http://www.mvd.newmexico.gov/vehicle-insurance.aspx |
| New York |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $50,000 liability for death per person $100,000 liability for death per accident $10,000 property damage liability per accident $50,000 personal injury protection |
https://dmv.ny.gov/insurance/insurance-requirements |
| North Carolina |
$30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident $30,000 uninsured motorist coverage per person $60,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage per accident |
https://www.ncdot.gov/dmv/help/insurance/ |
| North Dakota |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $30,000 personal injury protection |
https://www.nd.gov/ndins/consumers/auto/ |
| Ohio |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://bmv.ohio.gov/dl-mandatory-insurance.aspx |
| Oklahoma |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
https://www.ok.gov/oid/faqs.html#q346 |
| Oregon |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $15,000 personal injury protection |
http://www.oregon.gov/ODOT/Forms/DMV/6413.pdf |
| Pennsylvania |
$15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident $5,000 medical benefits |
http://www.insurance.pa.gov/Documents/auto_faq.pdf |
| Rhode Island |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.dbr.ri.gov/documents/divisions/insurance/property_casualty/com_guide-auto_insur.PDF |
| South Carolina |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://doi.sc.gov/Faq.aspx?QID=352 |
| South Dakota |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident |
http://dlr.sd.gov/insurance/general_guidance/auto.aspx |
| Tennessee |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident |
https://www.tn.gov/safety/article/fraffidavitssr22 |
| Texas |
$30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident |
http://www.tdi.texas.gov/pubs/consumer/cb020.html |
| Utah |
$25,000 bodily injury liability per person $65,000 bodily injury liability per accident $15,000 property damage liability per accident $3,000 personal injury protection |
https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S304.html?v=C31A-22-S304_1800010118000101 https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S307.html?v=C31A-22-S307_1800010118000101 |
| Vermont |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $10,000 uninsured/underinsured motorist property damage coverage per accident |
http://www.dfr.vermont.gov/insurance/insurance-consumer/consumers-guide-auto-insurance |
| Virginia |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident |
https://www.dmv.virginia.gov/vehicles/#insurance.asp |
| Washington |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
http://www.dol.wa.gov/driverslicense/insurance.html |
| Washington, D.C. |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $5,000 uninsured/underinsured motorist property damage coverage per accident |
https://dmv.dc.gov/service/vehicle-insurance |
| West Virginia |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage |
http://www.wvinsurance.gov/consumerservices/MandatoryLimits.aspx |
| Wisconsin |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
http://wisconsindot.gov/Pages/dmv/license-drvs/rcd-crsh-rpt/Auto-insurance.aspx |
| Wyoming |
$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident |
http://doi.wyo.gov/consumers/types-of-insurance/auto/auto-insurance-faqs |