How much auto insurance do you need?

While states have minimum insurance requirements, you will need more to protect your future after a bad accident.

Almost all states have minimum requirements for auto insurance, mostly related to liability to others, but in some cases also to uninsured motorist. The legal minimum, however, probably isn’t what you really need. You should review the coverages available from an auto insurance policy in your state and decide what makes sense for you.

Summary
  • Minimum auto insurance is required in order to lawfully operate a vehicle in most states. See the bottom of this page for details about your state.
  • An auto insurance policy is a combination of several different coverages. Learn more about each coverage and decide how much you need.
  • Most people need “full-coverage” insurance, with liability, uninsured motorist, collision and comprehensive.
On this page

Do you need to have car insurance?

For most people, the answer is a big YES. There are exceptions, however; in most states, people who own 25 vehicles or more can make a deposit with the state instead of carrying insurance. Deposits average around $50,000. For the rest of us, we are legally required to have auto insurance.

What are the penalties for not having car insurance?
Well, apart from having all your assets on the line if you are liable for injuries to another driver (and maybe their passengers), you could also foot the bill for your own medical bills if an at-fault driver injures you but doesn’t have insurance.

There are also legal consequences for not carrying the minimum requirements. As you can imagine, these penalties vary by state, but typically involve license suspension and a fine, with the length of suspension and fine amount growing for multiple citations. Less common penalties also include community service and jail time.

How much of each coverage do you need?

Auto insurance is an important part of protecting yourself financially. Nobody expects to get into a car accident that could impact their life by injury or by a significant financial blow. Car insurance is an important way to keep these events from going beyond an inconvenience to a years-long setback.

The various coverage options in auto policies are worth carefully considering and getting right. Learn more about auto coverages and how much of each is right for you.

What kinds of auto insurance are available?

Full coverage car insurance:
An insurance policy won’t ever technically be “full coverage,” because there are deductibles, limits and exclusions. When people talk about “full coverage” auto insurance, they are referring to a policy that has liability, uninsured motorist, comprehensive and collision coverage (as opposed to only having the state minimum, which is usually liability). Most people with an auto insurance policy have all these coverages.

Classic/collector car insurance:
You can tell just by the name that this one is going to be good! Most classic/collector car insurance policies are full-coverage policies. The difference is that it offers the valuation of your vehicle at an amount that you determine, instead of the depreciated value for standard vehicles. Despite the superior valuation, this insurance costs less because these vehicles are typically driven fewer miles a year than standard vehicles.

Rideshare insurance:
This one is a little tricky. If you are driving a car for a rideshare service like Uber or Lyft, there are three stages you can be in: 1) when you are driving around waiting for a trip request, 2) when you have accepted a trip request and you are on your way, and 3) when the passenger is in your car. The ridesharing company typically provides coverage to you in stages 2 and 3, but you actually aren’t insured in stage 1 because personal auto policies have exclusions for commercial use of your vehicle. If you would like coverage for this “gap,” your insurance company will usually offer it to you at a pretty low cost (like $15 a year).

High-risk car insurance:
If you have been convicted of driving without insurance, had a DUI, or had another serious road offense like reckless driving, driving to endanger, etc., your state may require an SR22 (most states) or FR44 (Virginia and Florida). Your insurance company needs to file this with the state on your behalf. “High-risk car insurance” usually refers to anyone who needs an SR22 or FR44.

If you need either of these documents, here are a few things to know:

  • Your auto insurance policy is going to be 30% to 100% more expensive than it would be without needing to file this document.
  • Bundling your residence and auto policies may not save you money. Your auto insurance is now such an expensive purchase that the savings you will find by bundling your home, condo or renters with your auto insurance might be less than you could save if you do some diligent shopping of the providers that will file the SR22 or FR44 for you. Once you no longer need to file the form, you should re-shop your insurance and try to bundle.
  • Classic/collector car insurance providers will not offer you insurance. While the reasons for having to file one of these forms differ, having to file them at all is an easy way for insurance  companies to draw a line. None of the classic/collector vehicle insurance companies currently offer the service to file these forms, and instead, decline to offer insurance. Once you no longer need to file this form, you should seek a classic/collector car insurance policy again.

Minimum auto insurance requirements by state

State minimum insurance requirements are mostly around carrying liability insurance in case you are at-fault for bodily injuries to other people. Most states also don’t require uninsured motorist coverage at all, which you do want to have! They also don’t require insurance on your vehicle itself.

Given the severity of possible injuries, the states are actually well below the minimums that the INSURANCE-MOD team encourages you to consider, which are no less than $100,000 (per person per accident) and $300,000 (all people per accident).

Requirements by the state are below:

StateMinimum Coverage Requirements
Alabama$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Alaska$50,000 bodily injury liability (per person per accident)
$100,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Arizona$15,000 bodily injury liability (per person per accident)
$30,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
Arkansas$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
California$15,000 bodily injury liability (per person per accident)
$30,000 bodily injury liability (all people per accident)
$5,000 property damage liability (per accident)
Colorado$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
Connecticut$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
Delaware$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$15,000 personal injury protection (PIP) (per person per accident)
$30,000 personal injury protection (PIP) (all people per accident)
Florida$10,000 property damage liability (per accident)
$10,000 personal injury protection (PIP)
Georgia$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Hawaii$20,000 bodily injury liability (per person per accident)
$40,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$10,000 personal injury protection (PIP)
Idaho$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
Illinois$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
Indiana$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Iowa$20,000 bodily injury liability (per person per accident)
$40,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
Kansas$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident) personal injury protection (PIP) including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitatio.
Survivors benefits including up to $900 per month for a year for disability or loss of
income and $25 per day for in-home services
Kentucky$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$10,000 personal injury protection (PIP)
Louisiana$15,000 bodily injury liability (per person per accident)
$30,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Maine$50,000 bodily injury liability (per person per accident)
$100,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$50,000 uninsured/underinsured motorist coverage (per person per accident)
$100,000 uninsured/underinsured motorist coverage (all people per accident)
$2,000 medical payments (MedPay)
Maryland$30,000 bodily injury liability (per person per accident)
$60,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
$30,000 uninsured/underinsured motorist coverage (per person per accident)
$60,000 uninsured/underinsured motorist coverage (all people per accident)
$15,000 uninsured/underinsured property damage coverage (per accident)
Massachussets$30,000 bodily injury liability (per person per accident)
$60,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
$30,000 uninsured/underinsured motorist coverage (per person per accident)
$60,000 uninsured/underinsured motorist coverage (all people per accident)
$15,000 uninsured/underinsured property damage coverage (per accident)
Michigan$20,000 bodily injury (per person per accident)
$40,000 bodily injury (all people per accident)
$10,000 property damage liability (per accident)
$20,000 uninsured motorist bodily injury (per person per accident)
$40,000 uninsured motorist bodily injury (all people per accident)
Unlimited personal injury with a $0, $300 or $500 deductible
Minnesota$30,000 bodily injury liability (per person per accident)
$60,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
$40,000 personal injury protection (PIP)
Mississippi$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Missouri$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
Montana$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)
Nebraska$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
Nevada$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)
New Hampshire(Minimum limits if driver purchases car insurance, which is optional.)
$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
$25,000 uninsured/underinsured motorist property damage (per accident)
$1,000 medical payments (MedPay)
New Jersey$5,000 property damage liability (per accident)
$15,000 personal injury protection (PIP)
New Mexico$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
New York$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$50,000 liability for death (per person per accident)
$100,000 liability for death (all people per accident)
$10,000 property damage liability (per accident)
$25,000 uninsured motorist bodily injury (per person per accident)
$50,000 uninsured motorist bodily injury (all people per accident)
$50,000 personal injury protection (PIP)
North Carolina$30,000 bodily injury liability (per person per accident)
$60,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$30,000 uninsured motorist coverage (per person per accident)
$60,000 uninsured motorist coverage (all people per accident)
$25,000 uninsured motorist property damage (per accident)
North Dakota$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
$30,000 personal injury protection (PIP)
Ohio$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Oklahoma$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Oregon$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
$15,000 personal injury protection (PIP)
Pennsylvania$15,000 bodily injury liability (per person per accident)
$30,000 bodily injury liability (all people per accident)
$5,000 property damage liability (per accident)
$5,000 medical benefits
Rhode Island$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
South Carolina$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
$25,000 uninsured motorist property damage (per accident)
South Dakota$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
Tennessee$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
Texas$30,000 bodily injury liability (per person per accident)
$60,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
Utah$25,000 bodily injury liability (per person per accident)
$65,000 bodily injury liability (all people per accident)
$15,000 property damage liability (per accident)
$3,000 personal injury protection (PIP)
Vermont$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$50,000 uninsured/underinsured motorist coverage (per person per accident)
$100,000 uninsured/underinsured motorist coverage (all people per accident)
$10,000 uninsured/underinsured motorist property damage (per accident)
Virginia$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)
$25,000 uninsured/underinsured motorist coverage (per person per accident)
$50,000 uninsured/underinsured motorist coverage (all people per accident)
$20,000 uninsured/underinsured motorist property damage (per accident)
Washington, D.C.$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
$5,000 uninsured motorist property damage (per accident)
West Virginia$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$25,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
$25,000 uninsured motorist property damage (per accident)
Wisconsin$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$10,000 property damage liability (per accident)
$25,000 uninsured motorist coverage (per person per accident)
$50,000 uninsured motorist coverage (all people per accident)
Wyoming$25,000 bodily injury liability (per person per accident)
$50,000 bodily injury liability (all people per accident)
$20,000 property damage liability (per accident)

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