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Can I drive legally without insurance?
No. Almost every state requires you to have auto liability
insurance. All states also have financial responsibility laws.
This means that even in a state that does not require liability
insurance, you need to have sufficient assets to pay claims if
you cause an accident. If you don’t have enough assets, you must
purchase at least the state minimum amount of insurance. But
insurance exists to protect your assets. Trying to see how
little you can get by with can be very shortsighted and
dangerous. If you've financed your car, your lender may require
comprehensive and collision insurance as part of the loan
agreement.
Below is an example of the state minimum limits for auto
liability insurance. The first number refers to liability limits
for bodily injury for any one person, the second to limits for
all persons injured, and the third refers to property damage
liability limits. For example, 20/40/10 means coverage up to
$40,000 for all persons injured in an accident, subject to a
limit of $20,000 for one individual and $10,000 coverage for
property damage.
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State Minimum Limits For Auto Liability Insurance
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State |
Liability limits (1) |
State |
Liability limits (1) |
State |
Liability limits (1) |
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Alabama |
20/40/10 |
Kentucky |
25/50/10 |
North Dakota |
25/50/25 |
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Alaska |
50/100/25 |
Louisiana |
10/20/10 |
Ohio |
12.5/25/7.5 |
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Arizona |
15/30/10 |
Maine |
50/100/25 |
Oklahoma |
10/20/10 |
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Arkansas |
25/50/15 |
Maryland |
20/40/15 |
Oregon |
25/50/10 |
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California
(2) |
15/30/5 |
Massachusetts |
20/40/5 |
Pennsylvania |
15/30/5 |
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Colorado |
25/50/15 |
Michigan |
20/40/10 |
Rhode Island |
25/50/25 |
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Connecticut |
20/40/10 |
Minnesota |
30/60/10 |
South
Carolina |
15/30/10 |
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Delaware |
15/30/5 |
Mississippi |
10/20/05 |
South Dakota |
25/50/25 |
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D.C. |
25/50/10 |
Missouri |
25/50/10 |
Tennessee* |
25/50/10 |
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Florida** |
10/20/10 |
Montana |
25/50/10 |
Texas |
20/40/15 |
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Georgia |
25/50/25 |
Nebraska |
25/50/25 |
Utah |
25/50/15 |
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Hawaii |
20/40/10 |
Nevada |
15/30/10 |
Vermont |
25/50/10 |
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Idaho |
25/50/15 |
New
Hampshire* |
25/50/25 |
Virginia |
25/50/20 |
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Illinois |
20/40/15 |
New Jersey
(3) |
15/30/5 |
Washington |
25/50/10 |
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Indiana |
25/50/10 |
New Mexico |
25/50/10 |
West Virginia |
20/40/10 |
|
Iowa |
20/40/15 |
New York (4) |
25/50/10 |
Wisconsin* |
25/50/10 |
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Kansas |
25/50/10 |
North
Carolina |
30/60/25 |
Wyoming |
25/50/20 |
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(1) The first two figures refer to bodily
injury liability and the third figure to
property damage liability. For example,
20/40/10 means coverage up to $40,000 for
all persons injured in an accident, subject
to a limit of $20,000 for one individual,
and $10,000 coverage for property damage.
(2) Low-cost policy limits for Los Angeles
and San Francisco low-income drivers in the
California Automobile Assigned Risk Plan are
10/20/3. This is a pilot program effective
from July 1, 2000 until January 1, 2004. (3)
Drivers may choose a Standard or Basic
Policy. Basic Policy limits are 10/10/5. (4)
50/100 if injury results in death.
* Liability insurance not compulsory; limits
are for financial responsibility.
** Only property damage liability is
compulsory.
Source: Alliance of American Insurers,
American Insurance Association, National
Association of Independent Insurers,
Insurance Information Institute |
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