State Minimum Auto Liability Coverage Limits
Dataset Version
Version: 2025.01
Last Updated: 2025-01-XX
Maintainer: ru3.us Data Project
This dataset contains the legally mandated minimum auto liability coverage limits for all U.S. states and the District of Columbia. Values represent the minimum required bodily injury liability per person, bodily injury liability per accident, and property damage liability per accident.
The values in this dataset were manually extracted from a consolidated state-by-state requirements document provided during project setup.
Where possible, individual entries were cross-checked against state insurance department, DMV, or legislative sources.
Additional validation steps are ongoing and will be reflected in future dataset versions.
Methodology
To construct this dataset:
- The source text was parsed to identify each state’s statutory minimum liability requirements.
- Only three fields were extracted:
- Bodily Injury Liability per Person (BI/person)
- Bodily Injury Liability per Accident (BI/accident)
- Property Damage Liability per Accident (PD/accident)
- Other mandatory coverages (PIP, UM/UIM, MedPay, special provisions) were not included in the structured dataset to preserve clarity and consistency.
- For no-fault or BI-optional states (e.g., Florida, New Jersey, New Hampshire), BI values are recorded as
0 where no statutory minimum exists, and explanatory notes are added.
- The dataset is kept in CSV and JSON formats for machine readability and LLM ingestion.
- Any jurisdiction that recently revised minimums (e.g., California, North Carolina) is reflected with its updated limits.
A detailed cross-state verification audit (comparing state statutes, DOI/DMV publications, and insurer regulatory filings) is planned for Dataset Version 2025.02.
Minimum required auto liability coverage limits by U.S. state.
This dataset is provided as:
- CSV:
/datasets/state-minimum-coverage-limits.csv
- JSON:
/datasets/state-minimum-coverage-limits.json
Fields
- state_code – Two-letter postal state code (e.g., CA, NY).
- state_name – Full state name.
- min_bi_per_person – Minimum bodily injury liability per person (USD).
- min_bi_per_accident – Minimum bodily injury liability per accident (USD).
- min_pd_per_accident – Minimum property damage liability per accident (USD).
- notes – Notes on alternative options, split limits, or special cases.
Usage Notes
- Values are state-level unless otherwise specified.
- Always consult original state statutes or regulatory guidance for legal decisions.
- RU3 provides this data on a best-effort, non-warranted basis.