Auto Coverage, what is state minimum coverage?

Each state has a different minimum amount of coverage. The coverage is written like this BI/PD or in normal terms, Bodily Injury/Property Damage.


The lower this coverage is, the cheaper your payment is. But there is a limit in each state, or a state minimum. I have posted the chart below but you can also see this list at https://www.valuepenguin.com/minimum-car-insurance-required-your-state.


When you see the coverage on your policy documents it will say, for example, 25/50/25. This means, you have Bodily Injury of $25k per person, $50k Per accident and the last $25k is for any property damage. If your state minimum is different, the numbers will change but the premise is the same.



StateBIPD Alabama$25,000 per person/ $50,000 per accident$25,000 per accident Alaska$50,000 per person/ $100,000 per accident$25,000 per accident Arizona$25,000 per person/ $50,000 per accident$15,000 per accident Arkansas$25,000 per person/ $50,000 per accident$25,000 per accident California$15,000 per person/ $30,000 per accident$5,000 per accident Colorado$25,000 per person/ $50,000 per accident$15,000 per accident Connecticut†$25,000 per person/ $50,000 per accident$25,000 per accident Delaware$25,000 per person/ $50,000 per accident$10,000 per accident FloridaNone$10,000 per accident Georgia$25,000 per person/ $50,000 per accident$25,000 per accident Hawaii$20,000 per person/ $40,000 per accident$10,000 per accident Idaho$25,000 per person/ $50,000 per accident$15,000 per accident Illinois$25,000 per person/ $50,000 per accident$20,000 per accident Indiana$25,000 per person/ $50,000 per accident$25,000 per accident Iowa$20,000 per person/ $40,000 per accident$15,000 per accident Kansas†$25,000 per person/ $50,000 per accident$25,000 per accident Kentucky$25,000 per person/ $50,000 per accident$25,000 per accident Louisiana$15,000 per person/ $30,000 per accident$25,000 per accident Maine$50,000 per person/ $100,000 per accident$25,000 per accident Maryland$30,000 per person/ $60,000 per accident$15,000 per accident Massachusetts$20,000 per person/ $40,000 per accident$5,000 per accident Michigan***$50,000 per person/ $100,000 per accident$10,000 per accident Minnesota†$30,000 per person/ $60,000 per accident$10,000 per accident Mississippi$25,000 per person/ $50,000 per accident$25,000 per accident Missouri$25,000 per person/ $50,000 per accident$10,000 per accident Montana$25,000 per person/ $50,000 per accident$20,000 per accident Nebraska$25,000 per person/ $50,000 per accident$25,000 per accident Nevada$25,000 per person/ $50,000 per accident$20,000 per accident New Hampshire^†$25,000 per person/ $50,000 per accident$25,000 per accident New Jersey$15,000 per person/ $30,000 per accident$5,000 per accident New Mexico$25,000 per person/ $50,000 per accident$10,000 per accident New York^^$25,000 per person/ $50,000 per accident$10,000 per accident North Carolina$30,000 per person/ $60,000 per accident$25,000 per accident North Dakota†$25,000 per person/ $50,000 per accident$25,000 per accident Ohio$25,000 per person/ $50,000 per accident$25,000 per accident Oklahoma$25,000 per person/ $50,000 per accident$25,000 per accident Oregon$25,000 per person/ $50,000 per accident$20,000 per accident Pennsylvania$15,000 per person/ $30,000 per accident$5,000 per accident Rhode Island$25,000 per person/ $50,000 per accident$25,000 per accident South Carolina$25,000 per person/ $50,000 per accident$25,000 per accident South Dakota†$25,000 per person/ $50,000 per accident$25,000 per accident Tennessee$25,000 per person/ $50,000 per accident$15,000 per accident Texas$30,000 per person/ $60,000 per accident$25,000 per accident Utah$25,000 per person/ $65,000 per accident$15,000 per accident Vermont†$25,000 per person/ $50,000 per accident$10,000 per accident Virginia$30,000 per person/ $60,000 per accident$20,000 per accident Washington$25,000 per person/ $50,000 per accident$10,000 per accident Washington, D.C.†$25,000 per person/ $50,000 per accident$10,000 per accident West Virginia$25,000 per person/ $50,000 per accident$25,000 per accident Wisconsin$25,000 per person/ $50,000 per accident$10,000 per accident Wyoming$25,000 per person/ $50,000 per accident$20,000 per accident

2 views0 comments

Recent Posts

See All

This topic is a hot one at renewal time, for home and auto. Many times when clients get their renewal they are upset because there is an increase. This causes them to lash out at the insurance carrie