Dataset · verified against statute
Minimum Auto Liability Insurance by State: Verified Dataset
The minimum auto liability limits that 47 states and the District of Columbia require, each read off the statute that sets it, not copied from another table. The most common minimum is 25/50/25, used by 18 states. Every row names its law and the date we last checked it.
Rows verified September 18, 2026 to September 21, 2026. Michigan, New Hampshire and Florida are explained below rather than listed.
Most common minimum
25/50/25
18 of 47 states
Highest bodily injury per person
$50,000
Alaska, Maine, North Carolina and Virginia
Lowest bodily injury per person
$15,000
Louisiana and Pennsylvania
Property damage ranges from
$5,000 to $50,000
Pennsylvania to North Carolina
“Written as” is the shorthand insurers use: bodily injury per person / per accident / property damage, in thousands of dollars. These are legal floors for a private passenger vehicle, not a recommendation of how much cover to buy.
| Written as | Set by | Verified | ||||
|---|---|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | 25/50/25 | Ala. Code s.32-7-6(c)Alabama Department of Insurance | |
| Alaska | $50,000 | $100,000 | $25,000 | 50/100/25 | AS 28.22.101(d)Alaska Division of Insurance | |
| Arizona | $25,000 | $50,000 | $15,000 | 25/50/15 | A.R.S. s.28-4009Arizona Department of Insurance and Financial Institutions | |
| Arkansas | $25,000 | $50,000 | $25,000 | 25/50/25 | A.C.A. s.27-22-104Arkansas Insurance Department | |
| California | $30,000 | $60,000 | $15,000 | 30/60/15 | SB 1107California Department of Insurance | |
| Colorado | $25,000 | $50,000 | $15,000 | 25/50/15 | C.R.S. s.10-4-620Colorado Division of Insurance | |
| Connecticut | $25,000 | $50,000 | $25,000 | 25/50/25 | C.G.S. s.14-112Connecticut Insurance Department | |
| Delaware | $25,000 | $50,000 | $10,000 | 25/50/10 | 21 Del. C. s.2118Delaware Department of Insurance | |
| District of Columbia | $25,000 | $50,000 | $10,000 | 25/50/10 | D.C. Code s.31-2406 | |
| Georgia | $25,000 | $50,000 | $25,000 | 25/50/25 | O.C.G.A. s.33-7-11(a)(1)(A)Georgia Office of Insurance and Safety Fire Commissioner | |
| Hawaii | $40,000 | $80,000 | $20,000 | 40/80/20 | Act 138 (S.B. 2342), HRS 431:10C-301Hawaii Insurance Division | |
| Idaho | $25,000 | $50,000 | $15,000 | 25/50/15 | Idaho Code s.49-117Idaho Department of Insurance | |
| Illinois | $25,000 | $50,000 | $20,000 | 25/50/20 | 625 ILCS 5/7-203Illinois Department of Insurance | |
| Indiana | $25,000 | $50,000 | $25,000 | 25/50/25 | Ind. Code s.9-25-4-5Indiana Department of Insurance | |
| Iowa | $20,000 | $40,000 | $15,000 | 20/40/15 | Iowa Code s.321A.1Iowa Insurance Division | |
| Kansas | $25,000 | $50,000 | $25,000 | 25/50/25 | K.S.A. s.40-3107(e)Kansas Insurance Department | |
| Kentucky | $25,000 | $50,000 | $25,000 | 25/50/25 | KRS 304.39-110Kentucky Department of Insurance | |
| Louisiana | $15,000 | $30,000 | $25,000 | 15/30/25 | La. R.S. 32:900Louisiana Department of Insurance | |
| Maine | $50,000 | $100,000 | $25,000 | 50/100/25 | 29-A M.R.S. s.1605Maine Bureau of Insurance | |
| Maryland | $30,000 | $60,000 | $15,000 | 30/60/15 | Md. Transp. s.17-103Maryland Insurance Administration | |
| Massachusetts | $25,000 | $50,000 | $30,000 | 25/50/30 | Ch. 275, Acts of 2024 (M.G.L. c.90 s.34A)Massachusetts Division of Insurance | |
| Minnesota | $30,000 | $60,000 | $10,000 | 30/60/10 | Minn. Stat. s.65B.49 subd. 3Minnesota Department of Commerce | |
| Mississippi | $25,000 | $50,000 | $25,000 | 25/50/25 | Miss. Code s.63-15-3(j)Mississippi Insurance Department | |
| Missouri | $25,000 | $50,000 | $25,000 | 25/50/25 | RSMo s.303.190Missouri Department of Commerce and Insurance | |
| Montana | $25,000 | $50,000 | $20,000 | 25/50/20 | MCA s.61-6-103Montana Commissioner of Securities and Insurance | |
| Nebraska | $25,000 | $50,000 | $25,000 | 25/50/25 | Neb. Rev. Stat. s.60-534Nebraska Department of Insurance | |
| Nevada | $25,000 | $50,000 | $20,000 | 25/50/20 | NRS 485.185Nevada Division of Insurance | |
| New Jersey | $35,000 | $70,000 | $25,000 | 35/70/25 | P.L.2022 c.87 (N.J.S.A. 39:6B-1)New Jersey Department of Banking and Insurance | |
| New Mexico | $25,000 | $50,000 | $10,000 | 25/50/10 | NMSA s.66-5-208New Mexico Office of Superintendent of Insurance | |
| New York | $25,000 | $50,000 | $10,000 | 25/50/10 | N.Y. VTL s.311New York Department of Financial Services | |
| North Carolina | $50,000 | $100,000 | $50,000 | 50/100/50 | S.L. 2023-133 am. S.L. 2024-29North Carolina Department of Insurance | |
| North Dakota | $25,000 | $50,000 | $25,000 | 25/50/25 | N.D.C.C. s.39-16.1-11(2)(b)North Dakota Insurance Department | |
| Ohio | $25,000 | $50,000 | $25,000 | 25/50/25 | ORC s.4509.01(K)Ohio Department of Insurance | |
| Oklahoma | $25,000 | $50,000 | $25,000 | 25/50/25 | 47 O.S. s.7-324Oklahoma Insurance Department | |
| Oregon | $25,000 | $50,000 | $20,000 | 25/50/20 | ORS 806.070Oregon Division of Financial Regulation | |
| Pennsylvania | $15,000 | $30,000 | $5,000 | 15/30/5 | 75 Pa.C.S. s.1702Pennsylvania Insurance Department | |
| Rhode Island | $25,000 | $50,000 | $25,000 | 25/50/25 | R.I. Gen. Laws s.31-31-7Rhode Island Division of Insurance | |
| South Carolina | $25,000 | $50,000 | $25,000 | 25/50/25 | S.C. Code s.38-77-140South Carolina Department of Insurance | |
| South Dakota | $25,000 | $50,000 | $25,000 | 25/50/25 | SDCL s.32-35-70South Dakota Division of Insurance | |
| Tennessee | $25,000 | $50,000 | $25,000 | 25/50/25 | T.C.A. s.55-12-102Tennessee Department of Commerce and Insurance | |
| Texas | $30,000 | $60,000 | $25,000 | 30/60/25 | Tex. Transp. Code s.601.072Texas Department of Insurance | |
| Utah | $30,000 | $65,000 | $25,000 | 30/65/25 | HB 113 (2023)Utah Insurance Department | |
| Vermont | $25,000 | $50,000 | $10,000 | 25/50/10 | 23 V.S.A. s.800Vermont Department of Financial Regulation | |
| Virginia | $50,000 | $100,000 | $25,000 | 50/100/25 | Code of Virginia s.46.2-472Virginia Bureau of Insurance | |
| Washington | $25,000 | $50,000 | $10,000 | 25/50/10 | RCW 46.29.090Washington Office of the Insurance Commissioner | |
| West Virginia | $25,000 | $50,000 | $25,000 | 25/50/25 | W.Va. Code s.17D-4-2(b)West Virginia Offices of the Insurance Commissioner | |
| Wisconsin | $25,000 | $50,000 | $10,000 | 25/50/10 | Wis. Stat. s.344.01(2)(d)Wisconsin Office of the Commissioner of Insurance | |
| Wyoming | $25,000 | $50,000 | $20,000 | 25/50/20 | Wyo. Stat. s.31-9-405Wyoming Insurance Department |
Why three states are not in the table
A row needs one statutory split limit that applies to every driver. These three states do not have one, and forcing a figure into the table would misstate the law.
- Michigan
- MCL 500.3009 sets a default of 250/500 bodily injury liability and lets a driver elect down to 50/100 in writing. The minimum is a choice between tiers, not one figure.
- New Hampshire
- No compulsory auto liability insurance. Its 25/50/25 is a financial-responsibility threshold for drivers who are required to file proof, not a universal mandate.
- Florida
- Requires $10,000 personal injury protection and $10,000 property damage liability, and no bodily injury liability for most drivers, so there is no bodily-injury/property-damage triple to list.
How this dataset is verified
- Read from the law itself. Each limit comes from the statute or enacting act named in its row. We never take a row from another comparison table, and two tables agreeing does not count as evidence: that is how widely copied figures go stale.
- Every guide is checked against it. Whenever our content changes, an automated check compares every state minimum stated across our guides with this dataset, and stops the change if one disagrees, even when all the guides agree with each other.
- Re-verified yearly. A row older than a year is flagged for a fresh read of the statute, and its verification date moves only when that happens.
- Corrections are public. When this data or a guide built on it was wrong, the fix is logged in our corrections register. Found an error? Email hello@coveragecriteria.com with the statute.
What this dataset does not cover
Liability limits only. Personal injury protection, uninsured motorist rules, motorcycles and commercial vehicles are set by separate provisions and are not part of this dataset yet. Our state-by-state comparison guide covers those alongside the limits. For what changed recently and when, see Which States Raised Car Insurance Minimums, and When.
Citing this data
The CSV and JSON downloads carry the same rows as the table, with the statute and verification date on each. If you quote a figure, please cite the row's statute as well as this page:
Coverage Criteria, “Minimum Auto Liability Insurance by State: Verified Dataset”, https://coveragecriteria.com/data/auto-liability-minimums (rows verified September 18, 2026 to September 21, 2026).
This dataset is informational only and is not legal advice. Minimums change by legislation; check with your state's insurance department or motor vehicle agency before relying on a figure.