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Minimum car insurance by state: look up your limits
Every row below comes from the state's own statute or insurance department page, with a dated quote. Where a row rests on a copy of the statute on another website instead of the official site, the Source column labels it, for example "(FindLaw copy)". These are legal minimums, not a recommendation. General information, not legal advice.
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State by state
Minimum required liability limits, state by state
Pick a state above to show one row. The full table is below for everyone, with or without JavaScript. Download the table as CSV.
| State | Bodily injury, per person | Bodily injury, per accident | Property damage | Law and source |
|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | Ala. Code § 32-7-6(c) [3] |
| Alaska | $50,000 | $100,000 | $25,000 | AS 28.20.440(a)(2); AS 28.22.011 [4] [5] |
| Arizona | $25,000 | $50,000 | $15,000 | A.R.S. 28-4009(A)(2)(b) [6] |
| Arkansas | $25,000 | $50,000 | $25,000 | Ark. Code 27-22-104(b) [7] (FindLaw copy) |
| California | $30,000 | $60,000 | $15,000 | Cal. Veh. Code 16056(a)(2) [8] |
| Colorado | $25,000 | $50,000 | $15,000 | C.R.S. 42-7-103(2); 10-4-619 [9] (public.law copy) [10] (public.law copy) |
| Connecticut | $25,000 | $50,000 | $25,000 | Conn. Gen. Stat. § 14-112(a); CT Insurance Dept. FAQ [11] [12] [13] |
| Delaware | $25,000 | $50,000 | $10,000 | 21 Del. C. 2902(b)(2); 2118(a) [14] |
| Florida | Not required | Not required | $10,000 | Fla. Stat. 324.022(1) [15] [16] [15]. Florida requires $10,000 of personal injury protection (PIP). Its statute also lists a $30,000 limit for combined property damage and bodily injury liability as an option. |
| Georgia | $25,000 | $50,000 | $25,000 | O.C.G.A. § 40-9-37(a) (limits of § 33-7-11(a)(1)(A)) [17] (FindLaw copy) [18] (FindLaw copy) |
| Hawaii | $40,000 | $80,000 | $20,000 | HRS § 431:10C-301(b) [19] |
| Idaho | $25,000 | $50,000 | $15,000 | Idaho Code §§ 49-117(20), 49-1212 [20] [21] |
| Illinois | $25,000 | $50,000 | $20,000 | 625 ILCS 5/7-203 [22] |
| Indiana | $25,000 | $50,000 | $25,000 | Ind. Code § 9-25-4-5 [23] (FindLaw copy) |
| Iowa | $20,000 | $40,000 | $15,000 | Iowa Code § 321A.1(11); § 321.20B [24] [25] |
| Kansas | $25,000 | $50,000 | $25,000 | K.S.A. 40-3107(e) [26] |
| Kentucky | $25,000 | $50,000 | $25,000 | KRS 304.39-110(1)(a)1. [27] (FindLaw copy) |
| Louisiana | $15,000 | $30,000 | $25,000 | La. R.S. 32:900(B)(2) [28] [29] |
| Maine | $50,000 | $100,000 | $25,000 | 29-A M.R.S. § 1605(2)(C) [30] |
| Maryland | $30,000 | $60,000 | $15,000 | Md. Code, Transp. § 17-103(b) [31] |
| Massachusetts | $25,000 | $50,000 | $30,000 | M.G.L. c. 90 §§ 34A, 34O, 34J [32] [33] [34]. Property damage figure is for policies issued or renewed on or after July 1, 2025. |
| Michigan | $50,000 | $100,000 | $10,000 | MCL 500.3009, 500.3101 [35] [36]. Lowest allowed election shown. The default if none is chosen is $250,000 / $500,000 for bodily injury. |
| Minnesota | $30,000 | $60,000 | $10,000 | Minn. Stat. § 65B.49 subd. 3 [37] |
| Mississippi | $25,000 | $50,000 | $25,000 | Mississippi Insurance Department auto insurance page (Miss. Code Ann. § 63-15-4) [38] |
| Missouri | $25,000 | $50,000 | $25,000 | RSMo §§ 303.020(10), 303.025 [39] [40] |
| Montana | $25,000 | $50,000 | $20,000 | MCA 61-6-103, 61-6-301 [41] [42] |
| Nebraska | $25,000 | $50,000 | $25,000 | Neb. Rev. Stat. §§ 60-310, 60-3,167 [43] [44] |
| Nevada | $25,000 | $50,000 | $20,000 | NRS 485.185 [45] |
| New Hampshire | Not required to carry | RSA 264:20; NH Insurance Department Guide to Auto Insurance [46] [47]. Financial-responsibility amounts if you are in a crash without insurance: $25,000 / $50,000 / $25,000. | ||
| New Jersey | $35,000 | $70,000 | $25,000 | NJ Dept. of Banking and Insurance, Auto Insurance Guide 2026 (N.J.S.A. 39:6A-3, 39:6B-1) [2]. Standard policy. The Basic policy has no required bodily injury liability and $5,000 property damage. |
| New Mexico | $25,000 | $50,000 | $10,000 | N.M. Stat. Ann. § 66-5-301 (per NM OSI consumer tip) [48] |
| New York | $25,000 | $50,000 | $10,000 | 11 NYCRR § 60-1.1 (implementing N.Y. Veh. & Traf. Law § 311, Ins. Law § 3420) [49] (Cornell LII copy). Limits are $50,000 / $100,000 in a death case. |
| North Carolina | $50,000 | $100,000 | $50,000 | N.C. Gen. Stat. § 20-279.21(b)(2) [50]. For policies effective on or after July 1, 2025. |
| North Dakota | $25,000 | $50,000 | $25,000 | N.D. Cent. Code § 39-16.1-11 [51] |
| Ohio | $25,000 | $50,000 | $25,000 | Ohio Rev. Code § 4509.51 [52] |
| Oklahoma | $25,000 | $50,000 | $25,000 | Okla. Stat. tit. 47, § 7-103(2)(b) (limits for policies issued or renewed on or after April 1, 2005); tit. 47, §§ 7-204, 7-600 [53] [54] |
| Oregon | $25,000 | $50,000 | $20,000 | ORS 806.070(2) [55] (public.law copy) |
| Pennsylvania | $15,000 | $30,000 | $5,000 | 75 Pa.C.S. § 1702 ("Financial responsibility") [56] |
| Rhode Island | $25,000 | $50,000 | $25,000 | R.I. Gen. Laws § 31-47-2 (owner's policy of liability insurance) [57]. A $75,000 combined single limit is also allowed. |
| South Carolina | $25,000 | $50,000 | $25,000 | S.C. Code Ann. § 38-77-140 [1] |
| South Dakota | $25,000 | $50,000 | $25,000 | S.D. Codified Laws § 32-35-70 (via § 32-35-113) [58] [59] |
| Tennessee | $25,000 | $50,000 | $25,000 | T.C.A. § 55-12-102(12)(D) as stated by TN Dept. of Safety [60] |
| Texas | $30,000 | $60,000 | $25,000 | Tex. Transp. Code § 601.072(a-1) [61] (public.law copy) |
| Utah | $30,000 | $65,000 | $25,000 | Utah Code § 31A-22-304(2) [62]. For policies issued or renewed on or after Jan. 1, 2025. A $90,000 combined single limit is also allowed. |
| Vermont | $25,000 | $50,000 | $10,000 | 23 V.S.A. § 800(a) [63] |
| Virginia | $50,000 | $100,000 | $25,000 | Va. Code § 46.2-472(B) [64]. For policies effective on or after Jan. 1, 2025. |
| Washington | $25,000 | $50,000 | $10,000 | RCW 46.29.090 (required by RCW 46.30.020) [65] [66] |
| West Virginia | $25,000 | $50,000 | $25,000 | W. Va. Code § 17D-4-2(b) [67] [68] [69] |
| Wisconsin | $25,000 | $50,000 | $10,000 | Wis. Stat. §§ 344.33(2), 344.62(1) [70] [71] |
| Wyoming | $25,000 | $50,000 | $20,000 | W.S. 31-4-103(a) and 31-9-405(b) [72] |
How to read it
How to read 25/50/25
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- Bodily injury, per person, then bodily injury, per accident
- Property damage
The shorthand lists the limits in the order bodily injury per person, bodily injury per accident, property damage, as South Carolina's statute states them [1]. Three examples of what the structure means, using the 25/50/25 shape:
- One person is hurt: the per-person bodily injury limit is the top of that policy's bodily injury liability for that person, even if the per-accident limit is higher.
- Three people are hurt: each is limited by the per-person figure and all of them together by the per-accident figure.
- Only cars and property are damaged: the property damage limit applies.
These examples describe how the limits are structured. They do not say what any claim is worth, and a policy can carry limits above the minimum.
Left out
States we could not verify
None. Every state's row above has a quote from the state's own statute or insurance department page. Where the quote comes from a copy of the statute on another website instead of the official site, the Source column marks it, for example "(FindLaw copy)", and the Sources list at the bottom says "unofficial copy".
Go deeper
More on the four states we cover in detail
- Tennessee minimums and UM rules
- Alabama minimums and UM rules
- Oklahoma minimums and UM rules
- South Carolina minimums and UM rules
- What uninsured motorist coverage is, the coverage that sits on top of the minimums.
Want to talk it through? A person usually calls you back in about 15 minutes (8am to 8pm Central). You never pay CrashFirst. CrashFirst is not a law firm and does not give legal advice. Limits change; confirm on the state's own page. General information as of November 9, 2026.
Keep reading
- State reference
Tennessee minimum car insurance limits and uninsured motorist rules
Tennessee minimum liability is 25/50/25. See what each number covers, uninsured motorist offer rules, and penalties. Official sources, checked Nov 2026.
Open - State reference
Alabama minimum car insurance: the 25/50/25 rule
Alabama requires $25,000 / $50,000 bodily injury and $25,000 property damage. Statute text, uninsured motorist rules and what to check on your policy.
Open - State reference
Oklahoma minimum car insurance and uninsured motorist rules
Oklahoma's minimum liability limits are $25,000 / $50,000 / $25,000. Statute text, the penalty for no insurance and how uninsured motorist coverage works.
Open - State reference
South Carolina minimum car insurance and uninsured motorist rules
South Carolina requires $25,000 / $50,000 / $25,000 liability and builds in uninsured motorist coverage. Statute text, no mandatory PIP and the penalty for driving uninsured.
Open - Guide
What is uninsured motorist coverage, and how does it work?
What uninsured and underinsured motorist (UM/UIM) coverage is, and how Tennessee, Alabama, Oklahoma and South Carolina rules read on offer, rejection and limits. Sourced.
Open - Reference
No-fault vs at-fault states: what does 'no-fault state' mean?
Which states are no-fault, choice no-fault, add-on or at-fault, with required PIP amounts and lawsuit thresholds, each from the state's statute or insurance department. 46 of 50 states, Nov 2026.
Open
Sources
- S.C. Code § 38-77-140, bodily injury and property damage limits, South Carolina Legislature (official) (checked November 9, 2026)Official source“twenty-five thousand dollars because of bodily injury to one person in any one accident”“fifty thousand dollars because of bodily injury to two or more persons in any one accident”
- NJ Dept. of Banking and Insurance, Auto Insurance Guide 2026, Standard and Basic policies chart (state insurance department) (checked November 9, 2026)Official sourceWhere: NJ Dept. of Banking and Insurance, Auto Insurance Guide 2026 (N.J.S.A. 39:6A-3, 39:6B-1)Where: Standard and Basic Policies chart, p. 5 (PDF p. 7)
- Ala. Code § 32-7-6(c) (checked November 9, 2026)Official source“not less than twenty-five thousand dollars ($25,000) because of bodily injury to or death to one person in any one accident”
- AS 28.20.440(a)(2); AS 28.22.011 (checked November 9, 2026)Official source“$50,000 because of bodily injury to or death of one person in any one accident, and, subject to the same limit for one person, $100,000 because of bodily injury to or death of two or more persons in any one accident, and $25,000 because of injury to or destruction of property of others in any one accident”
- AS 28.20.440(a)(2); AS 28.22.011 (checked November 9, 2026)Official source“shall be insured under a motor vehicle liability policy that complies with this chapter”
- A.R.S. 28-4009(A)(2)(b) (checked November 9, 2026)Official source“$25,000 because of bodily injury to or death of one person in any one accident.”
- Ark. Code 27-22-104(b) (checked November 9, 2026)Code text via FindLaw (unofficial copy)“Not less than twenty-five thousand dollars ($25,000) for bodily injury or death of one (1) person in any one (1) accident;”
- Cal. Veh. Code 16056(a)(2) (checked November 9, 2026)Official source“for any policy or bond issued or renewed on or after January 1, 2025, if the accident has resulted in bodily injury or death”
- C.R.S. 42-7-103(2); 10-4-619 (checked November 9, 2026)Code text via colorado.public.law (unofficial copy)“of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident”
- C.R.S. 42-7-103(2); 10-4-619 (checked November 9, 2026)Code text via colorado.public.law (unofficial copy)“shall have in full force and effect a complying policy”
- Conn. Gen. Stat. § 14-112(a); CT Insurance Dept. FAQ (checked November 9, 2026)Official source“any one person, of twenty-five thousand dollars”
- Conn. Gen. Stat. § 14-112(a); CT Insurance Dept. FAQ (checked November 9, 2026)Official source“Connecticut's minimum insurance requirements are $25,000 Per Person/$50,000 Per Accident for Bodily Injury and $25,000 Per Accident for Property Damage”
- Conn. Gen. Stat. § 14-112(a); CT Insurance Dept. FAQ (checked November 9, 2026)Official sourceWhere: Conn. Gen. Stat. § 14-112(a); CT Insurance Dept. FAQ
- 21 Del. C. 2902(b)(2); 2118(a) (checked November 9, 2026)Official source“$25,000, because of bodily injury to or death of 1 person in any 1 accident and, subject to said limit for 1 person $50,000, because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000, because of injury to or destruction of property of others in any 1 accident”
- Fla. Stat. 324.022(1) (checked November 9, 2026)Official source“at least $30,000 for combined property damage liability and bodily injury liability for any one crash”“in the amount of $10,000 because of damage to, or destruction of, property of others in any one crash”
- Fla. Stat. 627.736, required personal injury protection benefits (official legislature site) (checked November 9, 2026)Official source“to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits”
- O.C.G.A. § 40-9-37(a) (limits of § 33-7-11(a)(1)(A)) (checked November 9, 2026)Code text via FindLaw (unofficial copy)“of not less than the amounts specified in subparagraph (a)(1)(A) of Code Section 33-7-11”
- O.C.G.A. § 40-9-37(a) (limits of § 33-7-11(a)(1)(A)) (checked November 9, 2026)Code text via FindLaw (unofficial copy)“Not less than $25,000.00 because of bodily injury to or death of one person in any one accident, and, subject to such limit for one person, $50,000.00 because of bodily injury to or death of two or more persons in any one accident, and $25,000.00 because of injury to or destruction of property”
- HRS § 431:10C-301(b) (checked November 9, 2026)Official source“Liability coverage of not less than $40,000 per person, with an aggregate limit of $80,000 per accident”
- Idaho Code §§ 49-117(20), 49-1212 (checked November 9, 2026)Official source“in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one (1) accident”
- Idaho Code §§ 49-117(20), 49-1212 (checked November 9, 2026)Official source“Idaho residents are required to maintain **Bodily Injury Liability** and **Property Damage Liability** coverage for each personal use vehicle registered in Idaho”
- 625 ILCS 5/7-203 (checked November 9, 2026)Official source“not less than $25,000 because of bodily injury to or death of any one person in any one motor vehicle crash”
- Ind. Code § 9-25-4-5 (checked November 9, 2026)Code text via FindLaw (unofficial copy)“Beginning July 1, 2018, twenty-five thousand dollars ($25,000) for damage to or the destruction of property in one (1) accident”
- Iowa Code § 321A.1(11); § 321.20B (checked November 9, 2026)Official sourceWhere: Iowa Code § 321A.1(11); § 321.20B
- Iowa Code § 321A.1(11); § 321.20B (checked November 9, 2026)Official source“$20,000 of bodily injury to or death of one person in any one accident”
- K.S.A. 40-3107(e) (checked November 9, 2026)Official source“not less than $25,000 because of bodily injury to, or death of, one person in any one accident”
- KRS 304.39-110(1)(a)1. (checked November 9, 2026)Code text via FindLaw (unofficial copy)“Split limits liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of bodily injury sustained by any one (1) person”
- La. R.S. 32:900(B)(2) (checked November 9, 2026)Official source“Fifteen thousand dollars because of bodily injury to or death of one person in any one accident”
- La. R.S. 32:900(B)(2) (checked November 9, 2026)Official sourceWhere: La. R.S. 32:900(B)(2)
- 29-A M.R.S. § 1605(2)(C) (checked November 9, 2026)Official source“(3) For one accident resulting in injury to or death of more than one person, $100,000;”
- Md. Code, Transp. § 17-103(b) (checked November 9, 2026)Official source“The payment of claims for bodily injury or death arising from an accident of up to $30,000 for any one person and up to $60,000 for any two or more persons”
- M.G.L. c. 90 §§ 34A, 34O, 34J (checked November 9, 2026)Official source“to the amount or limit of not less than $25,000 on account of injury to or death of any one person, and, subject to such limits as respects injury to or death of one person, of not less than $50,000 on account of any one accident resulting in injury to or death of more than one person”
- M.G.L. c. 90 §§ 34A, 34O, 34J (checked November 9, 2026)Official source“subject to a limit of not less than $30,000 because of injury to or destruction of property of others in any one accident”
- M.G.L. c. 90 §§ 34A, 34O, 34J (checked November 9, 2026)Official source“Whoever operates or permits to be operated or permits to remain on a public or private way a motor vehicle which is subject to the provisions of section one A during such time as the motor vehicle liability policy or bond or deposit required by the provisions of this chapter has not been provided and maintained in accordance therewith”
- MCL 500.3009, 500.3101 (checked November 9, 2026)Official source“may choose to purchase lower limits than required under subsection (1)(a) and (b), but not lower than $50,000.00 under subsection (1)(a) and $100,000.00 under subsection (1)(b)”
- MCL 500.3009, 500.3101 (checked November 9, 2026)Official source“shall maintain security for payment of benefits under personal protection insurance and property protection insurance as required under this chapter, and residual liability insurance”
- Minn. Stat. § 65B.49 subd. 3 (checked November 9, 2026)Official source“of not less than $30,000 because of bodily injury to one person in any one accident and, subject to said limit for one person, of not less than $60,000 because of injury to two or more persons in any one accident, and, if the accident has resulted in injury to or destruction of property, of not less than $10,000 because of such injury to or destruction of property of others in any one accident”
- Mississippi Insurance Department auto insurance page (Miss. Code Ann. § 63-15-4) (checked November 9, 2026)Official source“the minimum liability requirements increased to the following: $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage”
- RSMo §§ 303.020(10), 303.025 (checked November 9, 2026)Official source“in the amount of twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, and, subject to said limit for one person, in the amount of fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and in the amount of twenty-five thousand dollars because of injury to or destruction of property of others in any one accident”
- RSMo §§ 303.020(10), 303.025 (checked November 9, 2026)Official source“No owner of a motor vehicle registered in this state, or required to be registered in this state, shall operate, register or maintain registration of a motor vehicle, or permit another person to operate such vehicle, unless the owner maintains the financial responsibility which conforms to the requirements of the laws of this state”
- MCA 61-6-103, 61-6-301 (checked November 9, 2026)Official source“$25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person; (ii) $50,000 because of bodily injury to or death of two or more persons in any one accident; and (iii) $20,000 because of injury to or destruction of property of others in any one accident”
- MCA 61-6-103, 61-6-301 (checked November 9, 2026)Official source“an owner of a motor vehicle that is registered and operated in Montana by the owner or with the owner's permission shall continuously provide insurance”
- Neb. Rev. Stat. §§ 60-310, 60-3,167 (checked November 9, 2026)Official source“(1) in the amount of twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, (2) subject to the limit for one person, in the amount of fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and (3) in the amount of twenty-five thousand dollars because of injury to or destruction of property of other persons in any one accident”
- Neb. Rev. Stat. §§ 60-310, 60-3,167 (checked November 9, 2026)Official source“It shall be unlawful for any owner of a motor vehicle or trailer”
- NRS 485.185 (checked November 9, 2026)Official source“In the amount of $25,000 for bodily injury to or death of one person in any one crash; (b) Subject to the limit for one person, in the amount of $50,000 for bodily injury to or death of two or more persons in any one crash; and (c) In the amount of $20,000 for injury to or destruction of property of others in any one crash”
- RSA 264:20; NH Insurance Department Guide to Auto Insurance (checked November 9, 2026)Official sourceWhere: RSA 264:20; NH Insurance Department Guide to Auto Insurance
- RSA 264:20; NH Insurance Department Guide to Auto Insurance (checked November 9, 2026)Official source“in the amount of $25,000 because of bodily injury or death to any one person; and subject to said limit respecting one person, in the amount of $50,000 because of bodily injury to or death to 2 or more persons in any one accident, and in the amount of $25,000 because of injury to and destruction of property in any one accident”
- N.M. Stat. Ann. § 66-5-301 (per NM OSI consumer tip) (checked November 9, 2026)Official sourceWhere: N.M. Stat. Ann. § 66-5-301 (per NM OSI consumer tip)
- 11 NYCRR § 60-1.1 (implementing N.Y. Veh. & Traf. Law § 311, Ins. Law § 3420) (checked November 9, 2026)Code text via Cornell LII (unofficial copy)“$100,000 because of bodily injury, sickness or disease of two or more persons who die as the result of any one accident; and to a total limit of $10,000 because of injury to or destruction of property of one or more persons or organizations as the result of any one accident”
- N.C. Gen. Stat. § 20-279.21(b)(2) (checked November 9, 2026)Official source“fifty thousand dollars ($50,000) because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, one hundred thousand dollars ($100,000) because of bodily injury to or death of two or more persons in any one accident, and fifty thousand dollars ($50,000) because of injury to or destruction of property of others in any one accident”
- N.D. Cent. Code § 39-16.1-11 (checked November 9, 2026)Official sourceWhere: N.D. Cent. Code § 39-16.1-11
- Ohio Rev. Code § 4509.51 (checked November 9, 2026)Official source“Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident;”
- Okla. Stat. tit. 47, § 7-103(2)(b) (limits for policies issued or renewed on or after April 1, 2005); tit. 47, §§ 7-204, 7-600 (checked November 9, 2026)Official source“a limit of not less than Twenty-five Thousand Dollars ($25,000.000) because of bodily injury to or death of one person in any one accident,”
- Okla. Stat. tit. 47, § 7-103(2)(b) (limits for policies issued or renewed on or after April 1, 2005); tit. 47, §§ 7-204, 7-600 (checked November 9, 2026)Official source“"Compulsory Insurance Law" is the law requiring liability insurance”
- ORS 806.070(2) (checked November 9, 2026)Code text via oregon.public.law (unofficial copy)“$25,000 because of bodily injury to or death of one person in any one accident;”
- 75 Pa.C.S. § 1702 ("Financial responsibility") (checked November 9, 2026)Official source“$15,000 because of injury to one person in any one accident, in the amount of $30,000 because of injury to two or more persons in any one accident and in the amount of $5,000 because of damage to property of others in any one accident”
- R.I. Gen. Laws § 31-47-2 (owner's policy of liability insurance) (checked November 9, 2026)Official source“of twenty-five thousand dollars ($25,000) because of bodily injury to, or death of, one person in any one accident; and subject to the limit for one person, to a limit of fifty thousand dollars ($50,000), because of bodily injury to, or death of, two (2) or more persons in any one accident; and a limit of twenty-five thousand dollars ($25,000) because of injury to, or destruction of, property of others in any one accident; or seventy-five thousand dollars ($75,000) combined, single limit”
- S.D. Codified Laws § 32-35-70 (via § 32-35-113) (checked November 9, 2026)Official source“twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident”
- S.D. Codified Laws § 32-35-70 (via § 32-35-113) (checked November 9, 2026)Official source“Every driver or owner of a motor vehicle shall at all times maintain in force one of the forms of financial responsibility on the motor vehicle”
- T.C.A. § 55-12-102(12)(D) as stated by TN Dept. of Safety (checked November 9, 2026)Official source“$25,000 for each injury or death per accident”
- Tex. Transp. Code § 601.072(a-1) (checked November 9, 2026)Code text via texas.public.law (unofficial copy)“(1) $30,000 for bodily injury to or death of one person in one collision;”
- Utah Code § 31A-22-304(2) (checked November 9, 2026)Official source“$30,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident;”
- 23 V.S.A. § 800(a) (checked November 9, 2026)Official source“in the amounts of at least $25,000.00 for one person and $50,000.00 for two or more persons killed or injured and $10,000.00 for damages to property in any one crash”
- Va. Code § 46.2-472(B) (checked November 9, 2026)Official source“of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident”
- RCW 46.29.090 (required by RCW 46.30.020) (checked November 9, 2026)Official source“of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident”
- RCW 46.29.090 (required by RCW 46.30.020) (checked November 9, 2026)Official source“No person may operate a motor vehicle subject to registration under chapter 46.16A RCW in this state unless the person is insured under a motor vehicle liability policy with liability limits of at least the amounts provided in RCW 46.29.090”
- W. Va. Code § 17D-4-2(b) (checked November 9, 2026)Official source“in the amount of $25,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $50,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $25,000 because of injury to or destruction of property of others in any one accident”
- W. Va. Code § 17D-4-2(b) (checked November 9, 2026)Official source“(a) Every owner or registrant of a motor vehicle required to be registered and licensed in this state shall maintain security”
- W. Va. Code § 17D-4-2(b) (checked November 9, 2026)Official source“Liability: $25,000/$50,000 Property damage: $25,000”
- Wis. Stat. §§ 344.33(2), 344.62(1) (checked November 9, 2026)Official source“$50,000 because of bodily injury to or death of 2 or more persons in any one accident.”
- Wis. Stat. §§ 344.33(2), 344.62(1) (checked November 9, 2026)Official source“no person may operate a motor vehicle upon a highway in this state unless the owner or operator of the vehicle has in effect a motor vehicle liability policy with respect to the vehicle being operated”
- W.S. 31-4-103(a) and 31-9-405(b) (checked November 9, 2026)Official sourceWhere: W.S. 31-4-103(a) and 31-9-405(b)
Unofficial copies come from a legal publisher, not the state. They can lag the current code, so check the official code before relying on a date or amount.
Page last updated November 9, 2026. Attorney review pending. General information, not legal advice. Fees, hours and rules change; confirm on the official page. How we source.
Questions
What does 25/50/25 mean?
It is shorthand for three limits: bodily injury for one person, bodily injury for all people in one accident, and property damage. South Carolina's statute spells it out as "twenty-five thousand dollars because of bodily injury to one person in any one accident," "fifty thousand dollars because of bodily injury to two or more persons in any one accident," and "twenty-five thousand dollars because of injury to or destruction of property of others in any one accident." [1]
What state has the lowest car insurance?
This table shows legal minimum limits, not prices, and prices depend on the driver, the car and the insurer, which we do not compare. On limits alone, the lowest per-person bodily injury minimum in this table is $15,000, in Louisiana (15/30/25) and Pennsylvania (15/30/5). Florida has no bodily injury liability minimum in the table: it requires $10,000 of personal injury protection and $10,000 of property damage liability instead. New Jersey's Basic policy includes no bodily injury liability coverage (a $10,000 option is available) and $5,000 of property damage, while its Standard policy starts at 35/70/25 [2]. New Hampshire does not require drivers to carry liability insurance at all, as its row explains.
Is 50/100/50 insurance enough?
We cannot say what is enough for you. As a matter of the legal minimums in this table, 50/100/50 is at or above the bodily injury and property damage minimum in every state listed, and equals North Carolina's 50/100/50. (Michigan's row shows the lowest allowed election; its default is $250,000 / $500,000 for bodily injury.) What a policy pays for a particular crash depends on the policy and the losses.
What does 30/60/25 mean?
The same three-limit shorthand: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, $25,000 for property damage. In this table Texas states it as its minimum (30/60/25).
Are these the limits I must carry?
They are the minimum liability limits the state requires, as the quoted source states them. Lenders and lessors can require more, and a policy can carry more. Uninsured motorist and other coverages are separate; see the uninsured motorist guide.