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:
Split or Single Limits
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.
Required Limits, by State
| 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 |