Minimum Car Insurance Limits by State
Learn about auto insurance coverage and how it can affect a personal injury claim.
Minimum Car Insurance Limits by State
Each state requires a minimum amount of coverage for auto insurance policies. The type of coverage includes bodily injury (BI), physical damage liability (PD), no-fault personal injury protection (PIP), property protection (PPI), uninsured motorist (UM), and underinsured motorist (UIM).
If you have been involved in a car accident, knowing the insurance limits of the vehicles involved in the accident is important in determining the value of your personal injury case. If the insurance limits are unknown, then you must assume that your case is worth only up to the state minimums.
State
Required Insurance Coverage
Per Person/Per Accident/Property
Alabama*
BI & PD Liability
25/50/25
Alaska
BI & PD Liability
50/100/25
Arizona
BI & PD Liability
15/30/10
Arkansas*
BI & PD Liability, PIP
25/50/25
California
BI & PD Liab
15/30/5
Colorado*
BI & PD Liab
25/50/15
Connecticut
BI & PD Liab, UM, UIM
20/40/10
Delaware
BI & PD Liab, PIP
15/30/10
District of Columbia
BI & PD Liab, UM
25/50/10
Florida
PD Liab, PIP
10/20/10
Georgia
BI & PD Liab
25/50/25
Hawaii
BI & PD Liab, PIP
20/40/10
Idaho
BI & PD Liab
25/50/15
Illinois
BI & PD Liab, UM, UIM
25/50/20
Indiana
BI & PD Liab, UM, UIM
25/50/10
Iowa
BI & PD Liab
20/40/15
Kansas
BI & PD Liab, PIP, UM, UIM
25/50/10
Kentucky
BI & PD Liab, PIP
25/50/10
Louisiana
BI & PD Liab
15/30/25
Maine
BI & PD Liab, UM, UIM
50/100/25
Maryland*
BI & PD Liab, PIP, UM, UIM
30/60/15
Massachusetts
BI & PD Liab, PIP, UM
20/40/5
Michigan
BI & PD Liab, PIP, PPI
20/40/10
Minnesota
BI & PD Liab, PIP, UM,UIM
30/60/10
Mississippi
BI & PD Liab
25/50/25
Missouri
BI & PD Liab, UM
25/50/10
Montana
BI & PD Liab
25/50/10
Nebraska
BI & PD Liab
25/50/25
Nevada
BI & PD Liab
25/50/20
New Hampshire
FR only, UM
25/50/25
New Jersey
BI & PD Liab, PIP, UM, UIM
15/30/5
New Mexico
BI & PD Liab
25/50/10
New York
BI & PD Liab, PIP, UM
25/50/10
North Carolina*
BI & PD Liab, UM, UIM
30/60/25
North Dakota
BI & PD Liab, PIP, UM, UIM
25/50/25
Ohio
BI & PD Liab
25/50/25
Oklahoma
BI & PD Liab
25/50/25
Oregon
BI & PD Liab, PIP, UM, UIM
25/50/20
Pennsylvania
BI & PD Liab, PIP
15/30/5
Rhode Island
BI & PD Liab, UM
25/50/25
South Carolina*
BI & PD Liab, UM
25/50/25
South Dakota
BI & PD Liab, UM
25/50/25
Tennessee
BI & PD Liab
25/50/15
Texas
BI & PD Liab
30/60/25
Utah
BI & PD Liab, PIP
25/65/15
Vermont
BI & PD Liab, UM, UIM
25/50/10
Virginia
BI & PD Liab, UM, UIM
25/50/20
Washington
BI & PD Liab
25/50/10
West Virginia
BI & PD Liab, UM
20/40/10
Wisconsin
BI & PD Liab, UM
25/50/10
Wyoming
BI & PD Liab
25/50/20
*We do not provide funding in the states denoted by an asterisk (*)
If you have been injured in an auto accident and need cash now, we can help. We offer pre-settlement funding to those hurt in car crashes. If you qualify we can offer up to 10% of the estimated value of your case. If the insurance limits are not known, then we must assume they are the minimum required by the state, which could significantly reduce our estimated value of the case and ultimately the amount we can fund you.
To apply for car accident funding either use the form on the website or give us a call at 800-531-4066.
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