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