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:
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.
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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