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STATE INSURANCE MINIMUMS



All states require drivers to maintain minimum levels of liabilty insurance coverage in order to legally operate a motor vehicle. The following figures are from the 1997 Property/Casualty Fact Book, published by the Insurance Information Institute.

There are three numbers "1/2/3" in the chart -

The first number (1) represents the liability maximum for each individual injured party in an accident.
The second number (2) represents the total liability maximum for all injured parties in a single accident.
The third number (3) represents the total property damage maximum for a single accident.

All numbers are in thousands of dollars.

State Liability
Minimums
State Liability
Minimums
Alabama 20/50/25   Montana 25/50/10
Alaska 50/100/25   Nebraska 25/50/25
Arizona 15/30/10   Nevada 15/30/10
Arkansas 25/50/25   New Hampshire 25/50/25
California 15/30/5   New Jersey 15/30/5
Colorado 25/50/15   New Mexico 25/50/10
Connecticut 20/40/10   New York 25/50/10
Delaware 15/30/10   North Carolina 30/60/25
D.C. 25/50/10   North Dakota 25/50/25
Florida 10/20/10   Ohio 25/50/25 2
Georgia 25/50/25   Oklahoma 25/50/25
Hawaii 20/40/10   Oregon 25/50/20
Idaho 25/50/15   Pennsylvania 15/30/5
Illinois 20/40/15 1   Rhode Island 25/50/25
Indiana 25/50/10   South Carolina 25/50/25
Iowa 20/40/15   South Dakota 25/50/25
Kansas 25/50/10   Tennessee 20/50/15
Kentucky 25/50/10   Texas 30/60/25
Louisiana 15/30/25   Utah 25/65/15
Maine 50/100/25   Vermont 25/50/10
Maryland 30/60/15   Virginia 25/50/20
Massachusetts 20/40/5   Washington 25/50/10
Michigan 20/40/10   West Virginia 20/40/10
Minnesota 30/60/10   Wisconsin 25/50/10
Mississippi 25/50/25   Wyoming 25/100/15
Missouri 25/50/10      

1 Increasing January 1, 2015 to 50/25/20
2 Increased in November 27, 2013