Auto insurance protects all those on the roads of the United States today because every single driver must have some form of coverage if they wish to operate a vehicle. When acquiring a policy, you do not need to purchase the absolute maximum amount. In fact, you are only required to purchase the minimum amount outlined by the state in which you live in order to drive legally on the roads. The requirements for insurance coverage vary from state to state, which means that if you are moving, be sure to research the requirements of your new residence upon arriving.
Provided below is a list of the requirements of all 50 states when it comes to auto insurance. The requirements are listed in the following format: 25/50/20. The first two numbers shown refer to bodily injury liability limits while the third number refers to property damage liability limit. Should this occur, those involved in the accident can receive up to $25,000 with a limit of $50,000 per accident, which means that if two people were involved in an accident, each person would receive $25,000. If a third person is involved in the accident, those who file first will receive the compensation. The third person will need to file a lawsuit to acquire compensation for their injuries. The third number, $20,000, is for the total amount of coverage for property damage. As you can see below, the minimum requirements for each state varies.
State Minimum Requirements:
* Alaska 50/100/25
* Alabama 20/40/10
* Arkansas 25/50/15
* Arizona 15/30/10
* California 15/30/5
* Colorado 25/50/15
* Connecticut 20/40/10
* Delaware 15/30/5
* Florida 10/20/10
* Georgia 15/30/10
* Hawaii 20/40/10
* Idaho 20/50/15
* Illinois 20/40/15
* Indiana 25/50/10
* Iowa 20/40/15
* Kansas 25/50/10
* Kentucky 25/50/10
* Louisiana 10/20/10
* Maine 50/100/25
* Maryland 20/40/10
* Massachusetts 20/40/5
* Michigan 20/40/10
* Minnesota 30/60/10
* Mississippi 25/50/25
* Missouri 25/50/10
* Montana 25/50/10
* Nebraska 25/50/25
* New Hampshire 25/50/25
* New Jersey 15/30/5
* New Mexico 25/50/10
* Nevada 15/30/10
* New York 25/50/10
* North Carolina 30/60/25
* North Dakota 25/50/25
* Ohio 12.5/25/7.5
* Oklahoma 10/20/10
* Oregon 25/50/10
* Pennsylvania 15/30/5
* Rhode Island 25/50/25
* South Carolina 25/50/25
* South Dakota 25/50/25
* Tennessee 25/50/10
* Texas 20/40/15
* Utah 25/65/15
* Virginia 25/50/20
* Vermont 25/50/10
* Washington 25/50/10
* Wisconsin 25/50/10
* West Virginia 20/40/10
* Wyoming 25/50/20
Shopping around for auto insurance prior to making a purchase will help you find the most affordable premium available. It might be difficult to find affordable car insurance if you have a driving record littered with tickets, accidents, and other problems because these instances will cause your premiums to rise no matter what company you use for insurance. The longer you go without an accident, the better your insurance premiums will be when it comes to cost.
Provided below is a list of the requirements of all 50 states when it comes to auto insurance. The requirements are listed in the following format: 25/50/20. The first two numbers shown refer to bodily injury liability limits while the third number refers to property damage liability limit. Should this occur, those involved in the accident can receive up to $25,000 with a limit of $50,000 per accident, which means that if two people were involved in an accident, each person would receive $25,000. If a third person is involved in the accident, those who file first will receive the compensation. The third person will need to file a lawsuit to acquire compensation for their injuries. The third number, $20,000, is for the total amount of coverage for property damage. As you can see below, the minimum requirements for each state varies.
State Minimum Requirements:
* Alaska 50/100/25
* Alabama 20/40/10
* Arkansas 25/50/15
* Arizona 15/30/10
* California 15/30/5
* Colorado 25/50/15
* Connecticut 20/40/10
* Delaware 15/30/5
* Florida 10/20/10
* Georgia 15/30/10
* Hawaii 20/40/10
* Idaho 20/50/15
* Illinois 20/40/15
* Indiana 25/50/10
* Iowa 20/40/15
* Kansas 25/50/10
* Kentucky 25/50/10
* Louisiana 10/20/10
* Maine 50/100/25
* Maryland 20/40/10
* Massachusetts 20/40/5
* Michigan 20/40/10
* Minnesota 30/60/10
* Mississippi 25/50/25
* Missouri 25/50/10
* Montana 25/50/10
* Nebraska 25/50/25
* New Hampshire 25/50/25
* New Jersey 15/30/5
* New Mexico 25/50/10
* Nevada 15/30/10
* New York 25/50/10
* North Carolina 30/60/25
* North Dakota 25/50/25
* Ohio 12.5/25/7.5
* Oklahoma 10/20/10
* Oregon 25/50/10
* Pennsylvania 15/30/5
* Rhode Island 25/50/25
* South Carolina 25/50/25
* South Dakota 25/50/25
* Tennessee 25/50/10
* Texas 20/40/15
* Utah 25/65/15
* Virginia 25/50/20
* Vermont 25/50/10
* Washington 25/50/10
* Wisconsin 25/50/10
* West Virginia 20/40/10
* Wyoming 25/50/20
Shopping around for auto insurance prior to making a purchase will help you find the most affordable premium available. It might be difficult to find affordable car insurance if you have a driving record littered with tickets, accidents, and other problems because these instances will cause your premiums to rise no matter what company you use for insurance. The longer you go without an accident, the better your insurance premiums will be when it comes to cost.
About the Author:
Jim Collier Insurance is an independent insurance agent Michigan agency based right here in the state of Michigan that has been providing expert insurance agent in Michigan advice to Michigan families for over a decade.
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