State |
Insurance Minimum Liability |
|---|---|
| Alabama | $25,000 bodily insury liability limit per person, $50,000 Maximum for all bodily insuries,$25,000 Maximum for property demage for accident |
| Alaska | $50,000/$100,000 bodily insury or death,$25,000 Maximum for property demage for accident |
| Arizona | $25,000 Bodily insury liability for one person,$50,000 for two or more person, $15,000 Property demage liability |
| Arkansas | $25,000 bodily insury liability for one person, $50,000 per accident
$25,000 Property demage liability per person, $25,000 to cover property damage to other properry |
| California | $15,000 for insury/death to one person,$30,000 for insury/death to more than one person, $5,000 for demage to property |
| Colorado | $25,000 for bodily insury/death to one person,$30,000 for insury/death to more than one person, $5,000 for demage to property |
| Connecticut | $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability |
| Delaware | Bodily Injury Protection - $25,000/$50,000, Up to $25,000 to one person involved in a single accident, Up to $50,000 to all people involved in a single accident, with no more than $25,000 to any one person , Property Damage - $10,000, Up to $10,000 due to destruction of property of others as a result of any one accident,Personal Injury Protection (PIP) - $15,000/$30,000, Up to $15,000 to any one person involved in a single accident, Up to $30,000 to all people involved in a single accident, with no more than $15,000 to any one person |
| Florida | have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage. |
| Georgia | Bodily Injury Liability – $25,000 per person and $50,000 per incident Property Damage Liability – $25,000 per incident |
| Hawaii | Your minimum motor vehicle insurance policy must have protection for you and your passengers of $10,000 per person personal injury protection benefits. Your mandatory coverages also include a $20,000 per person/$40,000 per accident bodily injury liability and a $10,000 per occurrence property damage liability. |
| Idaho | The indemnity bonds shall guarantee payment in an amount no less than fifty thousand dollars ($50,000) for any one (1) accident of which fifteen thousand dollars ($15,000) is for property damage, for each vehicle registered up to a maximum of one hundred twenty thousand dollars ($120,000) for five (5) or more vehicles. (3) Any bond given in co |
| Illinois | $25,000 for injury or death of one person in an accident. $50,000 for injury or death of more than one person in an accident. $20,000 for damage to property of another person. |
| Indiana | Uninsured Motorists: Bodily Injury: $25,000/$50,000, Property Damage: $25,000,Under insured Motorists: Bodily Injury: $50,000 |
| Iowa | $20,000 of bodily injury to or death of one person in any one accident; $40,000 because of bodily injury to or death of two or more persons in any one accident; and $15,000 because of injury to or destruction of property of others in any one accident. |
| Kansas | $25,000/person for bodily injury,$50,000/accident for bodily injury,$25,000/accident for property damage |
| Kentucky | $25,000/person for bodily injury,$50,000/accident for bodily injury,$25,000/accident for property damage |
| Louisiana | $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in a single accident, and $25,000 coverage for damage to someone else’s vehicle or other property |
| Maine | The minimum required limits are $50,000 per person/$100,000 per accident for bodily injury, and $25,000 for property damage. The law also requires a minimum of $2,000 per person in medical payments coverage; The law requires uninsured/underinsured motorist (UM) coverage at a minimum of $50,000 per person/$100,000 per accident. |
| Maryland | $30,000 for bodily injury,$60,000 for 2 or more people,$15,000 property damage |
| Massachusetts | Bodily Injury to Others $20,000 per person;$40,000 per accident;Personal Injury Protection $8,000 per person, per accident Bodily Injury Caused by an Uninsured Auto $20,000 per person; $40,000 per accident Damage to Someone Else's Property $5,000 per accident |
| Michigan | Up to $20,000 for a person who is hurt or killed in an accident. Up to $40,000 for each accident if several people are hurt or killed. Up to $10,000 for property damage in another state |
| Minnesota | Personal Injury Protection (PIP) $40,000 per person per accident ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.) Liability $30,000 for injuries to one person $60,000 for injuries to two or more people $10,000 for physical damage to the other driver’s vehicle or for damage to property Uninsured $25,000 for injuries to one person $50,000 for injuries to two or more people Underinsured $25,000 for injuries to one person $50,000 for injuries to two or more people |
| Mississippi | he minimum liability requirements increased to the following: $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage. |
| Missouri | you are required by law to insure that automobile with coverage for injuries you cause to another, for at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. |
| Montana | $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person; $50,000 because of bodily injury to or death of two or more persons in any one accident; and $20,000 because of injury to or destruction of property of others in any one accident. |
| Nebraska | Bodily injury liability coverage: $25,000 per person and $50,000 per accident Property damage liability coverage: $25,000 Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident Underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident |
| Nevada | the minimum motor vehicle liability insurance coverage will increased to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage ("25/50/20"). |
| New Hampshire | the minimum limits available for Liability Coverage are 25/50/25, or $25,000 per person for bodily injury, up to $50,000 if 2 or more persons are hurt, and up to $25,000 for property damage. |
| New Jersey | Bodily Injury Liability As low as: $15,000 per person, $30,000 per accident, Property Damage Liability As low as: $5,000 per accident Personal Injury Protection As low as: $15,000 per person or accident |
| New Mexico | Liability - Minimum Required: $25,000 per person for bodily injury $50,000 per accident for bodily injury $10,000 per accident for property |
| New York | $10,000 for property damage for a single accident $25,000 for bodily injury and $50,000 for death for a person involved in an accident $50,000 for bodily injury and $100,000 for death for two or more people in an accident |
| North Carolina | Bodily injury (one person) $30,000 Bodily injury (two or more people) $60,000 Property damage $25,000 |
| North Dakota | Bodily injury liability - $25,000 per person/$50,000 per accident, Property damage liability - $25,000 per accident; Uninsured motorist coverage - $25,000 per person/$50,000 per accident. |
| Ohio | Minimum required for insurance coverage: $25,000 for injury/death of one person $50,000 for injury/death of two or more people $25,000 for property damage in an accident |
| Oklahoma | the minimum liability coverage is 25/50/25, or $25,000 of bodily injury protection per person, $50,000 per accident and $25,000 of property damage protection. |
| Oregon | Bodily injury and property damage liability $25,000 per person; $50,000 per crash for bodily injury to others; and $20,000 per crash for damage to others’ property. Personal injury protection $15,000 per person. Uninsured motorist $25,000 per person; and $50,000 per crash for bodily injury. |
| Pennsylvania | Bodily Injury Liability — The minimum limit is $15,000/ $30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. Property Damage Liability — The minimum limit is $5,000 of coverage. Medical Benefits — The minimum limit is $5,000 of coverage. |
| Rhode Island | you must carry minimum limits of bodily injury liability - $25,000 per person and $50,000 per accident. This means you have coverage up to $25,000 for damages incurred by any one person and up to $50,000 in any one accident |
| South Carolina | Bodily injury liability insurance the minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Property damage liability insurance the minimum limit in South Carolina is $25,000 for all property damage in one accident. South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). There is typically a $200 deductible. |
| South Dakota | Bodily Injury Liability This coverage protects you against a claim which is made by someone who has been injured in an auto accident for which you are liable. Example: If you have 25/50/25 liability coverage, the first two-numbers tell you the amount your policy will pay for bodily injury due to an accident. The first '25' means the policy will pay up to $25,000 for any one injured person. The '50' means the most the policy will pay for all persons injured in a single accident is $50,000. Property Damage Liability This coverage protects you against a claim for damages to another vehicle or property in an accident for which you are liable. Using the earlier example, the third number in the 25/50/25 means the maximum amount the policy will pay for property damage in one single accident is $25,000. Uninsured and Underinsured Motorist Coverage (UM/UMI) Uninsured motorist coverage is required for all policies. It pays you, resident members of your family and occupants of your auto for personal injuries caused by an uninsured motorist or a hit and run driver. No coverage for damage to your vehicle is provided. Underinsured motorist coverage is very similar to Uninsured, except that the coverage is for personal injuries caused by a motorist with inadequate insurance. If a motorist has 25/50 coverage and you have 100/300 of underinsured motorist, your insurance will cover you once the medical costs exceed $25,000 (for one person) up to a maximum of $100,000 minus $25,000 of the other person's liability, $75,000 of your uninsured motorist coverage. These coverage are not "stackable"- if the medical bills exceed $100,000 in the above example, you cannot add the liable party's $25,000 of the liability coverage and your $100,000 of underinsured coverage. |
| Tennessee | The required minimum limits of your liability car insurance are: $25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $15,000 for property damage per accident. |
| Texas | Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. |
| Utah | The following minimum car insurance coverages are required in Utah: Bodily injury liability: $25,000 per person and $65,000 per accident. Property damage liability: $15,000 per accident. Personal injury protection: $3,000 per accident* |
| Vermont | The State liability limits for Vermont are $25,000 per person, $50,000 per accident and $10,000 property damage. |
| Verginia | the minimum coverage: Bodily injury/death of one person $25,000 Bodily injury/death of two or more persons $50,000 Property damage $20,000 |
| South Carolina | Bodily injury liability insurance the minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Property damage liability insurance the minimum limit in South Carolina is $25,000 for all property damage in one accident. South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). There is typically a $200 deductible. |
| Washington | The insurance policy must have limits of at least: $25,000 of bodily injury or death of 1 person in any 1 accident. $50,000 of bodily injury or death of any 2 people in any 1 accident. $10,000 of injury to or destruction of property of others in any 1 accident. |
| West Virginia | Automobile Mandatory Limits. Liability: $25,000/$50,000. Property damage: $25,000. Uninsured Motorist: $25,000/$50,000. Property damage: $25,000 |
| Wisconsin | Minimum liability coverage amounts are: $10,000 for property damage $25,000 for the injury or death of one person $50,000 for the injury or death of more than one person |
| Wyoming | Minimum Required:$25,000 per person for bodily injury $50,000 per accident for bodily injury $20,000 per accident for property |
For more information, Please visit relevent state government website |
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Car insurance is to provide financial protection against physical damage, bodily injury resulting from traffic collitions. Car Insurance is an agreement between the insurance company and the policy holder, in which the insurance company guarantees the payment of a stated amount of monetary benefits upon the damage and/or injury, or under other circumstances specified in the contract.
Home insuranceis a type of property insurance that covers a private residence, condo ,mobile home. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use additional living expenses, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Renters insurance protects your personal property in a rented apartment, condo, mobile home and home from unexpected circumstances such as theft, a fire and will pay you for lost or damaged possessions. but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure It can also help protect you from liability if someone is injured on your property.
Life insurance is a policy that protect your family against financial loss from death. Life Insurance is an agreement between the insurance company and the policy holder, in which the insurance company guarantees the payment of a stated amount of monetary benefits upon the death of the insured, or under other circumstances specified in the contract, such as total disability.
Car insurance is to provide financial protection against physical damage, bodily injury resulting from traffic collitions.
Car Insurance is an agreement between the insurance company and the policy holder, in which the insurance company guarantees the payment of a stated amount of monetary benefits upon the damage and/or injury, or under other circumstances specified in the contract.
How to get the cheapest rate?
Life insurance is a policy that protect your family against financial loss from death.
Life Insurance is an agreement between the insurance company and the policy holder, in which the insurance company guarantees the payment of a stated amount of monetary benefits upon the death of the insured, or under other circumstances specified in the contract, such as total disability.
How to get the cheapest rate?
Home insurance is a type of property insurance that covers a private residence,condo,mobile home. LowerMyInsure will give you the best option to compare and select top insurance companies
How to get the cheapest rate?