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Every car insurance company sets their prices differently, so shopping around is the single best way to find
the cheapest rate.
That's where InsuranceGenius comes in. In a matter of minutes, you can get quotes from multiple
car insurance companies to find the best price for you.
Take a few minutes now to find out just how much we can save you!
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What are the minimum limits in my state?
Every state sets the minimum car insurance limits that must be maintained within their
state. Please consult your state's insurance department for more specific information on exactly what
coverages are required within your state. A simplified explanation of the limits that are required
in each state are:
Alabama Car Insurance
Bodily Injury and Property Damage Liability of 20/40/10
Alaska Car Insurance
Bodily Injury and Property Damage Liability of 50/100/25
Arizona Car Insurance
Bodily Injury and Property Damage Liability of 15/30/10
Arkansas Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25
California Car Insurance
Bodily Injury and Property Damage Liability of 15/30/5
Colorado Car Insurance
Bodily Injury and Property Damage Liability of 25/50/15
Connecticut Car Insurance
Bodily Injury and Property Damage Liability of 20/40/10, Uninsured and Underinsured Motorist coverage
Delaware Car Insurance
Bodily Injury and Property Damage Liability of 15/30/10, Personal Injury Protection coverage
District of Columbia Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Uninsured Motorist coverage
Florida Car Insurance
Property Damage Liability and Personal Injury Protection coverage
Georgia Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25
Hawaii Car Insurance
Bodily Injury and Property Damage Liability of 20/40/10, Personal Injury Protection coverage
Idaho Car Insurance
Bodily Injury and Property Damage Liability of 25/50/15
Illinois Car Insurance
Bodily Injury and Property Damage Liability of 20/40/15, Uninsured Motorist coverage
Indiana Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10
Iowa Car Insurance
Bodily Injury and Property Damage Liability of 20/40/15
Kansas Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Personal Injury Protection coverage, Uninsured Motorist coverage
Kentucky Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Personal Injury Protection coverage
Louisiana Car Insurance
Bodily Injury and Property Damage Liability of 10/20/10
Maine Car Insurance
Bodily Injury and Property Damage Liability of 50/100/25, Uninsured and Underinsured Motorist coverage
Maryland Car Insurance
Bodily Injury and Property Damage Liability of 20/40/15, Uninsured Motorist coverage
Massachusetts Car Insurance
Bodily Injury and Property Damage Liability of 20/40/5, Personal Injury Protection coverage, Uninsured Motorist coverage
Michigan Car Insurance
Bodily Injury and Property Damage Liability of 20/40/10, Personal Injury Protection coverage
Minnesota Car Insurance
Bodily Injury and Property Damage Liability of 30/60/10, Personal Injury Protection coverage, Uninsured and Underinsured Motorist coverage
Mississippi Car Insurance
Bodily Injury and Property Damage Liability of 10/20/5
Missouri Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Uninsured Motorist coverage
Montona Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10
Nebraska Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25
Nevada Car Insurance
Bodily Injury and Property Damage Liability of 15/30/10
New Hampshire Car Insurance
Financial Responsibility only, Uninsured Motorist coverage
New Jersey Car Insurance
Bodily Injury and Property Damage Liability of 15/30/5, Personal Injury Protection coverage, Uninsured Motorist coverage
New Mexico Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10
New York Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Personal Injury Protection coverage, Uninsured Motorist coverage
North Carolina Car Insurance
Bodily Injury and Property Damage Liability of 30/60/25
North Dakota Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25, Personal Injury Protection coverage, Uninsured Motorist coverage
Ohio Car Insurance
Bodily Injury and Property Damage Liability of 12.5/25/7.5
Oklahoma Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25
Oregon Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Personal Injury Protection coverage, Uninsured Motorist coverage
Pennsylvania Car Insurance
Bodily Injury and Property Damage Liability of 15/30/5, Medical coverage
Rhode Island Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25, Uninsured Motorist coverage
South Carolina Car Insurance
Bodily Injury and Property Damage Liability of 15/30/10m Uninsured Motorist coverage
South Dakota Car Insurance
Bodily Injury and Property Damage Liability of 25/50/25, Uninsured Motorist coverage
Tennessee Car Insurance
Financial Responsibility only
Texas Car Insurance
Bodily Injury and Property Damage Liability of 20/40/15
Utah Car Insurance
Bodily Injury and Property Damage Liability of 25/50/15, Personal Injury Protection coverage
Vermont Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10, Uninsured and Underinsured Motorist coverage
Virginia Car Insurance
Bodily Injury and Property Damage Liability of 25/50/20, Uninsured Motorist coverage
Washington Car Insurance
Bodily Injury and Property Damage Liability of 25/50/10
West Virginia Car Insurance
Bodily Injury and Property Damage Liability of 20/40/10, Uninsured Motorist coverage
Wisconsin Car Insurance
Financial Responsibility only, Uninsured Motorist coverage
Wyoming Car Insurance
Bodily Injury and Property Damage Liability of 25/50/20
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