Auto Coverage, what is state minimum coverage?

Each state in the United States has established its own regulations regarding the minimum amount of auto insurance coverage that drivers are required to maintain. This minimum coverage is crucial for ensuring that all drivers have a basic level of financial protection in the event of an accident. The coverage is typically represented in shorthand as BI/PD, which stands for Bodily Injury and Property Damage, respectively. Understanding these terms is essential for any vehicle owner, as they define the extent of coverage required by law and the financial responsibilities of the driver.

The lower the required coverage limits are, the more affordable your insurance premiums will be. This means that if you opt for the minimum coverage mandated by your state, you will likely pay less each month compared to a policy with higher coverage limits. However, it is important to note that each state has set a specific limit for these coverages, often referred to as the state minimum. This minimum is designed to ensure that drivers have enough financial resources to cover basic damages and injuries that could occur in an accident. To provide you with a clearer understanding of these minimum requirements, I have included a chart below. Additionally, you can explore a comprehensive list of state-specific minimum coverage requirements at the following link: https://www.valuepenguin.com/minimum-car-insurance-required-your-state.

When reviewing your auto insurance policy documents, you will often encounter coverage limits expressed in a format such as 25/50/25. This notation breaks down as follows: the first number, 25, represents the maximum amount of Bodily Injury coverage available per person, which in this case is $25,000. The second number, 50, indicates the total Bodily Injury coverage available per accident, capped at $50,000. Finally, the last number, 25, denotes the limit for Property Damage coverage, also set at $25,000. If the minimum coverage requirements in your state differ from these figures, the numbers will change accordingly; however, the underlying concept remains consistent across all states. It's essential for drivers to familiarize themselves with these numbers and what they mean, as they reflect the level of protection you have in the unfortunate event of an accident.

State	BI	PD
Alabama	$25,000 per person/ $50,000 per accident	$25,000 per accident
Alaska	$50,000 per person/ $100,000 per accident	$25,000 per accident
Arizona	$25,000 per person/ $50,000 per accident	$15,000 per accident
Arkansas	$25,000 per person/ $50,000 per accident	$25,000 per accident
California	$15,000 per person/ $30,000 per accident	$5,000 per accident
Colorado	$25,000 per person/ $50,000 per accident	$15,000 per accident
Connecticut†	$25,000 per person/ $50,000 per accident	$25,000 per accident
Delaware	$25,000 per person/ $50,000 per accident	$10,000 per accident
Florida	None	$10,000 per accident
Georgia	$25,000 per person/ $50,000 per accident	$25,000 per accident
Hawaii	$20,000 per person/ $40,000 per accident	$10,000 per accident
Idaho	$25,000 per person/ $50,000 per accident	$15,000 per accident
Illinois	$25,000 per person/ $50,000 per accident	$20,000 per accident
Indiana	$25,000 per person/ $50,000 per accident	$25,000 per accident
Iowa	$20,000 per person/ $40,000 per accident	$15,000 per accident
Kansas†	$25,000 per person/ $50,000 per accident	$25,000 per accident
Kentucky	$25,000 per person/ $50,000 per accident	$25,000 per accident
Louisiana	$15,000 per person/ $30,000 per accident	$25,000 per accident
Maine	$50,000 per person/ $100,000 per accident	$25,000 per accident
Maryland	$30,000 per person/ $60,000 per accident	$15,000 per accident
Massachusetts	$20,000 per person/ $40,000 per accident	$5,000 per accident
Michigan***	$50,000 per person/ $100,000 per accident	$10,000 per accident
Minnesota†	$30,000 per person/ $60,000 per accident	$10,000 per accident
Mississippi	$25,000 per person/ $50,000 per accident	$25,000 per accident
Missouri	$25,000 per person/ $50,000 per accident	$10,000 per accident
Montana	$25,000 per person/ $50,000 per accident	$20,000 per accident
Nebraska	$25,000 per person/ $50,000 per accident	$25,000 per accident
Nevada	$25,000 per person/ $50,000 per accident	$20,000 per accident
New Hampshire^†	$25,000 per person/ $50,000 per accident	$25,000 per accident
New Jersey	$15,000 per person/ $30,000 per accident	$5,000 per accident
New Mexico	$25,000 per person/ $50,000 per accident	$10,000 per accident
New York^^	$25,000 per person/ $50,000 per accident	$10,000 per accident
North Carolina	$30,000 per person/ $60,000 per accident	$25,000 per accident
North Dakota†	$25,000 per person/ $50,000 per accident	$25,000 per accident
Ohio	$25,000 per person/ $50,000 per accident	$25,000 per accident
Oklahoma	$25,000 per person/ $50,000 per accident	$25,000 per accident
Oregon	$25,000 per person/ $50,000 per accident	$20,000 per accident
Pennsylvania	$15,000 per person/ $30,000 per accident	$5,000 per accident
Rhode Island	$25,000 per person/ $50,000 per accident	$25,000 per accident
South Carolina	$25,000 per person/ $50,000 per accident	$25,000 per accident
South Dakota†	$25,000 per person/ $50,000 per accident	$25,000 per accident
Tennessee	$25,000 per person/ $50,000 per accident	$15,000 per accident
Texas	$30,000 per person/ $60,000 per accident	$25,000 per accident
Utah	$25,000 per person/ $65,000 per accident	$15,000 per accident
Vermont†	$25,000 per person/ $50,000 per accident	$10,000 per accident
Virginia	$30,000 per person/ $60,000 per accident	$20,000 per accident
Washington	$25,000 per person/ $50,000 per accident	$10,000 per accident
Washington, D.C.†	$25,000 per person/ $50,000 per accident	$10,000 per accident
West Virginia	$25,000 per person/ $50,000 per accident	$25,000 per accident
Wisconsin	$25,000 per person/ $50,000 per accident	$10,000 per accident
Wyoming	$25,000 per person/ $50,000 per accident	$20,000 per accident