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.



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