How does car insurance work?

State

Minimum mandatory requirements

Alabama

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Alaska

BI: $50,000 per person

BI: $100,000 per accident

PD: $25,000 per accident

Arizona

BI: $25,000 per person

BI: $50,000 per accident

PD: $15,000 per accident

Arkansas

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

California

BI: $15,000 per person

BI: $30,000 per accident

PD: $5,000 per accident

Colorado

BI: $25,000 per person

BI: $50,000 per accident

PD: $15,000 per accident

Connecticut

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

District of Columbia

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

UM/UIM PD: $5,000

Delaware

BI: $25,000 per person

BI: $50,000 per accident

BI: $10,000 per accident

PIP: $15,000 per person

PIP: $30,000 per accident

Florida

PD: $10,000 per accident

PIP: $10,000 per person

Georgia

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Hawaii

BI: $20,000 per person

BI: $40,000 per accident

PD: $10,000 per accident

PIP: $10,000 per person

Idaho

BI: $25,000 per person

BI: $50,000 per accident

PD: $15,000 per accident

Illinois

BI: $25,000 bodily injury liability per person

BI: $50,000 bodily injury liability per accident

PD: $20,000 property damage liability per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

Indiana

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Iowa

BI: $20,000 per person

BI: $40,000 per accident

PD: $15,000 per accident

Kansas

BI: $25,000 person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

 

PIP per person:

$4,500 for medical expenses

$900 per month to a year of disability or loss of income coverage

$25 a day for in-home services

$4,500 for rehabilitation-related expenses

$2,000 for funeral, burial, or cremation expenses

 

Other:

Survivor benefits of up to $900 per month up to a year for disability or loss of income and $25 per day for in-home services

Kentucky

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

PIP: $10,000 per person

Louisiana

BI: $15,000 per person

BI: $30,000 per accident

PD: $25,000 per accident

Maine

BI: $50,000 per person

BI: $100,000 per accident

PD: $25,000 per accident

UM/UIM BI: $50,000 per person

UM/UIM BI: $100,000 per accident

MedPay: $2,000

Maryland

BI: $30,000 per person

BI: $60,000 per accident

PD: $15,000 per accident

UM/UIM BI: $30,000 per person

UM/UIM BI: $60,000 per accident

Massachusetts

BI: $20,000 per person

BI: $40,000 per accident

PD: $5,000 per accident

UM/UIM BI: $20,000 per person

UM/UIM BI: $40,000 per accident

PIP: $8,000 per accident

Michigan

BI: $20,000 per person

BI: $40,000 per accident

PIP: Unlimited

Property protection: $1 million

Minnesota

BI: $30,000 per person

BI: $60,000 per accident

PD: $10,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

PIP: $40,000 per person

Mississippi

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Missouri

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

Montana

BI: $25,000 per person

BI: $50,000 per accident

PD: $20,000 per accident

Nebraska

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

Nevada

BI: $25,000 per person

BI: $50,000 per accident

PD: $20,000 per accident

New Hampshire

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

UM/UIM PD: $25,000

MedPay: $1,000

 

Car insurance is not mandatory, but these are the requirements for those who opt in.

New Jersey

PD: $5,000 per accident

PIP: $1,000 per person

New Mexico

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 per accident

New York

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

PIP: $50,000 personal injury protection per person

 

Other:

$50,000 liability for death per person

$100,000 liability for death per accident

North Carolina

BI: $30,000 per person

BI: $60,000 per accident

PD: $25,000 per accident

UM/UIM BI: $30,000 per person

UM/UIM BI: $60,000 per accident

UM/UIM PD: $25,000

North Dakota

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

PIP: $30,000 per person

Ohio

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Oklahoma

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

Oregon

BI: $25,000 per person

BI: $50,000 per accident

PD: $20,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

PIP: $15,000 per person

Pennsylvania

BI: $15,000 per person

BI: $30,000 per accident

PD: $5,000 per accident

MedPay: $5,000

Rhode Island

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

South Carolina

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

South Dakota

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

Tennessee

BI: $25,000 per person

BI: $50,000 per accident

PD: $15,000 per accident

Texas

BI: $30,000 per person

BI: $60,000 per accident

PD: $25,000 per accident

Utah

BI: $25,000 per person

BI: $65,000 per accident

PD: $15,000 per accident

PIP: $3,000 per person

Vermont

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 property damage liability per accident

UM/UIM BI: $50,000 per person

UM/UIM BI: $100,000 per accident

UM/UIM PD: $10,000

Virginia

BI: $25,000 per person

BI: $50,000 per accident

PD: $20,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

UM/UIM PD: $20,000

 

Car insurance is not mandatory, but these are the requirements for those who opt in.

Washington

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 per accident

West Virginia

BI: $25,000 per person

BI: $50,000 per accident

PD: $25,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

UM/UIM PD: $25,000

Wisconsin

BI: $25,000 per person

BI: $50,000 per accident

PD: $10,000 per accident

UM/UIM BI: $25,000 per person

UM/UIM BI: $50,000 per accident

Wyoming

BI: $25,000 per person

BI: $50,000 per accident

PD: $20,000 per accident