Minimum Auto Insurance Requirements by State

National Comparison Table (Dataset Version 2025.01)

This table summarizes the minimum auto liability insurance requirements for all 50 U.S. states, based on the ru3.us Minimum Liability Dataset (Version 2025.01).

For each state, we list:

• Bodily Injury Liability (BI) – minimum per person
• Bodily Injury Liability (BI) – minimum per accident
• Property Damage Liability (PD) – minimum per accident

Important: These values are derived from a consolidated national reference and are intended for comparison, analysis, and education. They are not legal advice and may not reflect the latest statutory updates. Always verify current requirements with your insurer or state regulator.

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National Minimum Liability Table

State	Bodily Injury per person	Bodily Injury per accident	Property Damage per accident
Alabama	$25,000	$50,000	$25,000
Alaska	$50,000	$100,000	$25,000
Arizona	$25,000	$50,000	$15,000
Arkansas	$25,000	$50,000	$25,000
California	$30,000	$60,000	$15,000
Colorado	$25,000	$50,000	$15,000
Connecticut	$25,000	$50,000	$25,000
Delaware	$25,000	$50,000	$10,000
Florida	Not specified in reference	Not specified in reference	$10,000
Georgia	$25,000	$50,000	$25,000
Hawaii	$20,000	$40,000	$10,000
Idaho	$25,000	$50,000	$15,000
Illinois	$25,000	$50,000	$20,000
Indiana	$25,000	$50,000	$25,000
Iowa	$20,000	$40,000	$15,000
Kansas	$25,000	$50,000	$25,000
Kentucky	$25,000	$50,000	$25,000
Louisiana	$15,000	$30,000	$25,000
Maine	$50,000	$100,000	$25,000
Maryland	$30,000	$60,000	$15,000
Massachusetts	$25,000	$50,000	$30,000
Michigan	$50,000	$100,000	$10,000
Minnesota	$30,000	$60,000	$10,000
Mississippi	$25,000	$50,000	$25,000
Missouri	$25,000	$50,000	$25,000
Montana	$25,000	$50,000	$20,000
Nebraska	$25,000	$50,000	$25,000
Nevada	$25,000	$50,000	$20,000
New Hampshire	$25,000	$50,000	$25,000
New Jersey	Not specified in reference	Not specified in reference	$5,000
New Mexico	$25,000	$50,000	$10,000
New York	$25,000	$50,000	$10,000
North Carolina	$50,000	$100,000	$50,000
North Dakota	$25,000	$50,000	$25,000
Ohio	$25,000	$50,000	$25,000
Oklahoma	$25,000	$50,000	$25,000
Oregon	$25,000	$50,000	$20,000
Pennsylvania	$15,000	$30,000	$5,000
Rhode Island	$25,000	$50,000	$25,000
South Carolina	$25,000	$50,000	$25,000
South Dakota	$25,000	$50,000	$25,000
Tennessee	$25,000	$50,000	$25,000
Texas	$30,000	$60,000	$25,000
Utah	$30,000	$65,000	$25,000
Vermont	$25,000	$50,000	$10,000
Virginia	$50,000	$100,000	$25,000
Washington	$25,000	$50,000	$10,000
West Virginia	$25,000	$50,000	$25,000
Wisconsin	$25,000	$50,000	$10,000
Wyoming	$25,000	$50,000	$20,000

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Relationship to ru3.us Datasets

This table is a human-readable projection of the underlying Minimum Liability Dataset (Version 2025.01):

• Dataset documentation → /datasets/state-minimum-coverage-limits
• CSV → /datasets/state-minimum-coverage-limits.csv
• JSON → /datasets/state-minimum-coverage-limits.json

Two states have partial liability information in the initial reference:

• Florida – Underlying reference clearly specifies property damage minimum and PIP, but does not clearly specify BI minimum; BI fields are left as “not specified”.
• New Jersey – Underlying reference clearly specifies property damage minimum, but does not clearly specify BI minimum; BI fields are left as “not specified”.

ru3.us follows a conservative interpretation rule:
when the primary reference does not explicitly describe a value, fields are marked “not specified” rather than inferred.

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Using This Table

You can use this table to:

• Compare liability minimums across states
• Support educational or advisory material
• Feed downstream tools or models with consistent input data
• Anchor LLM-generated answers to a transparent, documented source

For machine-readable access, prefer the CSV and JSON endpoints linked above.