Introduction:
Car insurance is a legal requirement in most states, and it’s essential to have adequate coverage for your vehicle. In this blog post, we will discuss everything you need to know about car insurance laws by state including minimum coverage requirements, penalties for not having car insurance, types of auto insurance policies available, and more. Let’s get started!
Car Insurance Laws by State:
Each state has its own car insurance laws that drivers must follow. Here are some important things to note regarding car insurance laws by state:
1. Alabama – All motorists are required to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
2. Alaska – Drivers must carry liability insurance with limits of at least $50,000 per person/$100,000 per accident and $25,000 for property damage.
3. Arizona – Motorists are required to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $15,000 for property damage.
4. Arkansas – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
5. California – The state requires all motorists to carry liability insurance with limits of at least $15,000 per person/$30,000 per accident and $5,000 for property damage.
6. Colorado – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $15,000 for property damage.
7. Connecticut – The state requires all motorists to carry liability insurance with limits of at least $20,000 per person/$40,000 per accident and $10,000 for property damage.
8. Delaware – Motorists are required to carry liability insurance with limits of at least $15,000 per person/$30,000 per accident and $10,000 for property damage.
9. Florida – The state requires all motorists to carry PIP (Personal Injury Protection) insurance with limits of at least $10,000 and property damage liability insurance with limits of at least $10,000.
10. Georgia – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
11. Hawaii – The state requires all motorists to carry liability insurance with limits of at least $20,000 per person/$40,000 per accident and $10,000 for property damage.
12. Idaho – Motorists are required to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $15,000 for property damage.
13. Illinois – The state requires all motorists to carry liability insurance with limits of at least $20,000 per person/$40,000 per accident and $15,000 for property damage.
14. Indiana – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
15. Iowa – Motorists are required to carry liability insurance with limits of at least $20,000 per person/$40,000 per accident and $15,000 for property damage.
16. Kansas – The state requires all motorists to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
17. Kentucky – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
18. Louisiana – The state requires all motorists to carry liability insurance with limits of at least $15,000 per person/$30,000 per accident and $25,000 for property damage.
19. Maine – Motorists are required to carry liability insurance with limits of at least $50,000 per person/$100,000 per accident and $25,000 for property damage.
20. Maryland – The state requires all motorists to carry liability insurance with limits of at least $30,000 per person/$60,000 per accident and $15,000 for property damage.
21. Massachusetts – Drivers must carry liability insurance with limits of at least $20,000 per person/$40,000 per accident and $5,000 for property damage.
22. Michigan – Motorists are required to carry no-fault insurance with unlimited medical benefits and liability insurance with limits of at least $20,000 per person/$40,000 per accident and $10,000 for property damage.
23. Minnesota – The state requires all motorists to carry liability insurance with limits of at least $30,000 per person/$60,000 per accident and $10,000 for property damage.
24. Mississippi – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
25. Missouri – The state requires all motorists to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
26. Montana – Motorists are required to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
27. Nebraska – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
28. Nevada – The state requires all motorists to carry liability insurance with limits of at least $15,000 per person/$30,000 per accident and $10,000 for property damage.
29. New Hampshire – Motorists are required to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $25,000 for property damage.
30. New Jersey – The state requires all motorists to carry liability insurance with limits of at least $15,000 per person/$30,000 per accident and $5,000 for property damage.
31. New Mexico – Drivers must carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
32. New York – The state requires all motorists to carry liability insurance with limits of at least $25,000 per person/$50,000 per accident and $10,000 for property damage.
33. North Carolina – Motorists are required to carry liability insurance with limits of at least $30,000 per person/$60,000
