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Steve Hoffman Insurance 15510 Lexington Blvd Suite E Sugar Land, TX 77478 Ph. 281-491-6565 Fax. 281-277-6565 |
Minimum State Insurance Requirements
Minimum State Insurance Requirements |
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| State | Liability required? liability limits (in thousands of dollars) | Personal Injury Protection PIP required? | No-fault state? | Uninsured motorist coverage required? |
| Alabama1 | Yes, 20/40/10 | No | No | No |
| Alaska | Yes, 50/100/25 | No | No | No |
| Arizona | Yes, 15/30/10 | No | No | No |
| Arkansas | Yes, 25/50/15 | No | No | No |
| California2 | Yes, 15/30/5 | No | No | No |
| Colorado | Yes, 25/50/15 | Yes | Yes | No |
| Connecticut | Yes, 20/40/10 | No | No | No |
| Delaware | Yes, 15/30/5 | Yes | Yes | No |
| D.C. | Yes, 25/50/10 | No | No | No |
| Florida3 | Yes, 10/20/10 | Yes | Yes | No |
| Georgia | Yes, 15/30/10 | No | No | No |
| Hawaii | Yes, 20/40/10 | Yes | Yes | No |
| Idaho | Yes, 25/50/15 | No | No | No |
| Illinois | Yes, 20/40/15 | No | No | No |
| Indiana | Yes, 25/50/10 | No | No | No |
| Iowa | Yes, 20/40/15 | No | No | No |
| Kansas | Yes, 25/50/10 | Yes | Yes | Yes |
| Kentucky | Yes, 25/50/10 | Yes | Yes | No |
| Louisiana | Yes, 10/20/10 | No | No | No |
| Maine | Yes, 50/100/25 | No | No | Yes |
| Maryland4 | Yes, 20/40/10 | Yes | Yes | Yes |
| Massachusetts | Yes, 20/40/5 | Yes | Yes | Yes |
| Michigan | Yes, 20/40/10 | Yes | Yes | No |
| Minnesota | Yes, 30/60/10 | Yes | Yes | Yes |
| Mississippi5 | No, 10/20/5 | No | No | No |
| Missouri | Yes, 25/50/10 | No | No | Yes |
| Montana | Yes, 25/50/10 | No | No | No |
| Nebraska | Yes, 25/50/25 | No | No | No |
| Nevada | Yes, 15/30/10 | No | No | No |
| New Hampshire | No, 25/50/25 | No | No | No |
| New Jersey6 | Yes, 15/30/5 | Yes | Yes | Yes |
| New Mexico | Yes, 25/50/10 | No | No | No |
| New York7 | Yes, 25/50/10 | Yes | Yes | Yes |
| North Carolina | Yes, 25/50/15 | No | No | No |
| North Dakota | Yes, 25/50/25 | Yes | Yes | Yes |
| Ohio | Yes, 12.5/25/7.5 | No | No | No |
| Oklahoma | Yes, 10/20/10 | No | No | No |
| Oregon | Yes, 25/50/10 | No | Yes | Yes |
| Pennsylvania8 | Yes, 15/30/5 | Yes | Yes | No |
| Rhode Island | Yes, 25/50/25 | No | No | Yes |
| South Carolina | Yes, 15/30/10 | No | No | Yes |
| South Dakota | Yes, 25/50/25 | No | No | Yes |
| Tennessee | No, 25/50/10 | No | No | No |
| Texas | Yes, 25/50/25 | No | No | No |
| Utah | Yes, 25/50/15 | Yes | Yes | No |
| Vermont | Yes, 25/50/10 | No | No | Yes |
| Virginia | Yes, 25/50/20 | No | No | Yes |
| Washington | Yes, 25/50/10 | No | No | No |
| West Virginia | Yes, 20/40/10 | No | No | Yes |
| Wisconsin | No, 25/50/10 | No | No | Yes |
| Wyoming | Yes, 25/50/20 | No | No | No |
| 1Effective June 2000 2Low-cost policy limits for Los Angeles and San Francisco for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3, effective Jan. 1, 2000, to Jan. 1, 2004 3 Drivers can choose a standard or basic policy. Basic policy limits are 10/10/5 4 May be waived for the policyholder but is compulsory for passengers 5 Minimum liability law goes into effect Jan. 1, 2001 6 Property-damage liability only is mandatory 7 Liability rises to 50/100 if injury results in death 8 Medical- First party (policyholder) medical expenses. Last updated May 31, 2000 |
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