Financial Responsibility and Compulsory Insurance Laws

Summary: The table that follows displays the minimum financial responsibility or compulsory liability insurance limits for all states, the District of Columbia, and Puerto Rico.

Topics covered:

Split or Single Limits

The laws of all states express the requirement in terms of split limits. For example, if the chart shows "25/50/10," the law requires that the policy provide at least $25,000 for bodily injury to each person, $50,000 for all bodily injury, and $10,000 for property damage for each accident.

The insurance laws of some states also state the requirement in terms of a combined single limit. For example, if the chart shows "15/30/10 or 40," the law provides that a policy with a combined single limit of at least $40,000 will also satisfy the requirement. A combined single limit of $40,000 means that the insurance will pay up to $40,000 for all bodily injury and property damage arising out of each accident.

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Required Limits, by State

Alabama (Ala. Code §32-7-22 and Ala. Code § 32-7-6 )

25/50/25

Alaska (A.S. §28.20.440)

50/100/25

Arizona (A.R.S. §28-4009)

15/30/10

Arkansas (A.C.A. §27-22-104)

25/50/25

California (Cal. Vehicle Code §16056)

15/30/5

Colorado (C.R.S.A. §42-7-103)

25/50/15

Connecticut (Conn. Gen. Stat. §14-112)

25/50/25

Delaware (21 Del. C. §2902)

25/50/10

District of Columbia (D.C. St. §50-1301.49)

10/20/5

Florida (F.S.A. §324.021)

10/20/10

Georgia (Ga. Code Ann., §33-7-11)

25/50/25

Hawaii (H.R.S. §287-25)

10/20/5

Idaho (I.C. §49-117)

25/50/15

Illinois (625 ILCS 5/1-164.5)

25/50/20

Indiana (Ind. Code Ann. §9-25-2-3)

25/50/25

Iowa (I.C.A. §321A.1)

20/40/15

Kansas (K.S.A. 40-3107)

25/50/25

Kentucky (KRS § 304.39-110)

25/50/25 or 60

Louisiana (LSA-R.S. 32:872)

15/30/25

Maine (29-A M.R.S.A. §1605)

50/100/25

Maryland (MD Code, Transportation, §17-103)

30/60/15

Massachusetts (ALM GL 90 §34A)

20/40/10

Michigan (M.C.L.A. 257.45)

20/40/10

Minnesota (M.S.A. §65B.49)

30/60/10

Mississippi (Miss. Code Ann. §63-15-3)

25/50/25

Missouri (V.A.M.S. 303.020)

25/50/25

Montana (MCA 61-6-103)

25/50/20

Nebraska (R.R.S. Neb. §60-346)

25/50/25

Nevada (N.R.S. 485.185)

25/50/20

New Hampshire (N.H. Rev. Stat. §264:20)

25/50/25

New Jersey (N.J.S.A. 39:6-25)

15/30/5

New Mexico (N.M.S.A. 66-5-208)

25/50/10 or 60

New York (NY CLS Vehicle and Traffic Law §341)

25/50/10 or 50/100/10 in cases where a death (s) occur

North Carolina (N.C.G.S.A. §20-279.1)

30/60/25

North Dakota (NDCC, 39-01-01)

25/50/25

Ohio (ORC §4509.01)

25/50/25

Oklahoma (47 Okl. St. Ann. §7-103)

25/50/25

Oregon (O.R.S. §806.070)

25/50/20

Pennsylvania (75 Pa. C.S.A. § 1702)

15/30/5

Puerto Rico (no addressed in statute)

No F.R. Requirement

Rhode Island (R.I. Gen. Laws § 31-32-2)

25/50/25 or 75

South Carolina (S.C. Code § 38-77-140)

25/50/25

South Dakota (SDCL § 32-35-2)

25/50/25

Tennessee (T.C.A. § 55-12-102)

25/50/10 or 60

Texas (Tex. Transp. Code § 601.072)

30/60/25

Utah (U.C.A. § 31A-22-304)

25/65/15 or 80

Vermont (23 V.S.A. § 800)

25/50/10 or 115

Virginia (VA Code Ann. § 46.2-472)

25/50/20

Washington (RCWA 46.29.090)

25/50/10

West Virginia (W. Va. Code, § 17D-4-2)

25/50/25

Wisconsin (Wis. Stat. 344.01)

25/50/10

Wyoming (Wyo. Stat.§ 31-9-405)

25/50/20

 

 

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