How much car insurance is enough coverage?

They call them financial responsibility laws, but the truth is doing the minimum is rarely an act of responsibility.

As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state. Each state has its own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. Or use this list to figure out which states to avoid driving in because of the low limits of coverage it allows its driving citizens.

You’ll notice that most states include three numbers, such as 20/40/10. These are called “split limits” for liability insurance. What this means is that the state requires $20,000 in coverage for damages to another person, $40,000 in coverage for bodily injuries to all injured parties, and $10,000 in coverage for property damage. So under this coverage if three people were in the not-at-fault car they would all have coverage of $40,000 from the at-fault driver’s insurance company but no one of them would be paid more than $20,000 for their damages. And if they were drunk and plowed into your house you’d get $10,000. Pretty slim I’d say.

See how your State protects you; it's taxpaying citizen.

Alabama: Alabama auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 20/40/10
• No fault insurance not required.

Alaska: Alaska auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 50/100/25
• No fault insurance not required.

Arizona: Arizona auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 15/30/10
• No fault insurance not required.

Arkansas: Arkansas auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.

California: California auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 15/30/5
• No fault insurance not required.

Colorado: Colorado auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/15
• No fault insurance not required.

Connecticut: Connecticut auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 20/40/10
• No fault insurance not required.

Delaware: Delaware auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 15/30/10
• No fault insurance not required.

Washington DC: Washington DC auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance IS required.

Florida: Florida auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 10/20/10
• No fault insurance IS required.

Georgia: Georgia auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.

Hawaii: Hawaii auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 20/40/10
• No fault insurance IS required.

Idaho: Idaho auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 25/50/15
• No fault insurance not required.

Illinois: Illinois auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 20/40/15
• No fault insurance not required.

Indiana: Indiana auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.

Iowa: Iowa auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 20/40/15
• No fault insurance not required.

Kansas: Kansas auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.

Kentucky: Kentucky auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.

Louisiana: Louisiana auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 10/20/10
• No fault insurance not required.

Maine: Maine auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 50/100/25
• No fault insurance not required.

Maryland: Maryland auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and uninsured and underinsured motorist required
• Liability limits: 20/40/15
• No fault insurance not required.

Massachusetts: Massachusetts auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection, uninsured motorist required
• Liability limits: 20/40/5
• No fault insurance IS required.

Michigan: Michigan auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 20/40/10
• No fault insurance IS required.

Minnesota: Minnesota auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and personal injury protection, uninsured motorist required
• Liability limits: 30/60/10
• No fault insurance IS required.

Mississippi: Mississippi auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 10/20/5
• No fault insurance not required.

Missouri: Missouri auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 25/50/10
• No fault insurance not required.

Montana: Montana auto insurance minimum coverage requirements:
• Bodily injury and property damage liability and required
• Liability limits: 25/50/10
• No fault insurance not required.

Nebraska: Nebraska auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured and underinsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.

Nevada: Nevada auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 15/30/10
• No fault insurance not required.

New Hampshire: New Hampshire auto insurance minimum coverage requirements:
• Proof of financial responsibility, medical payments, uninsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.

New Jersey: New Jersey auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, personal injury protection, uninsured motorist required
• Liability limits: 15/30/5
• No fault insurance IS required.

New Mexico: New Mexico auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.

New York: New York auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured motorist, personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.

North Carolina: North Carolina auto insurance minimum coverage requirements:
• Bodily injury and property damage liabilityrequired
• Liability limits: 30/60/25
• No fault insurance not required.

North Dakota: North Dakota auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
• Liability limits: 25/50/25
• No fault insurance IS required.

Ohio: Ohio auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 12.5/25/7.5
• No fault insurance not required.

Oklahoma: Oklahoma auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 10/20/10
• No fault insurance not required.

Oregon: Oregon auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.

Pennsylvania: Pennsylvania auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, medical paymentsrequired
• Liability limits: 15/30/5
• No fault insurance IS required.

Rhode Island: Rhode Island auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.

South Carolina: South Carolina auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 15/30/10
• No fault insurance not required.

South Dakota: South Dakota auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.

Tennessee: Tennessee auto insurance minimum coverage requirements:
• Proof of financial responsibility required
• Liability limits: 25/50/10
• No fault insurance not required.

Texas: Texas auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 20/40/15
• No fault insurance not required.

Utah: Utah auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
• Liability limits: 25/50/15
• No fault insurance IS required.

Vermont: Vermont auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 25/50/10
• No fault insurance not required.

Virginia: Virginia auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured and underinsured motorist required
• Liability limits: 25/50/20
• No fault insurance not required.

Washington: Washington auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.

West Virginia: West Virginia auto insurance minimum coverage requirements:
• Bodily injury and property damage liability, uninsured motorist
• Liability limits: 20/40/10
• No fault insurance not required.

Wisconsin: Wisconsin auto insurance minimum coverage requirements:
• Proof of financial responsibility, uninsured motorist
• Liability limits: 25/50/10
• No fault insurance not required.

Wyoming: Wyoming auto insurance minimum coverage requirements:
• Bodily injury and property damage liability required
• Liability limits: 25/50/20
• No fault insurance not required.