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Each state has different personal auto liability minimums as far as what type of car insurance you need when driving a car or motorcycle. Use our state-by-state guide to learn more about state minimums for personal liability coverage for car insurance.
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What is Liability Auto Insurance?
Liability coverage, as part of your car insurance policy, offers financial protection to drivers who harm, damage or injure another person and/or their property while driving a car.
Bodily injury liability coverage or medical expenses coverage offers protection for drivers from the cost of medical expenses for someone else they injure while involved in an accident.
Property damage liability is financial protection from the costs of repairing or replacing vehicles of drivers involved in an accident.
Some states may require uninsured or underinsured motorist coverage. And some may refer to Personal Injury Protection, or PIP, which is mandatory in no-fault states. A no-fault state is one that has no-fault car insurance laws. With these laws, drivers file claims under their own insurance policy, no matter who is at fault for the accident.
How to Analyze Auto Liability Minimums
Often, coverage levels are displayed like this: 20/40/15, or $20,000/$40,000/$15,000. The first two numbers in this sequence refer to medical coverage, while the last refers to property damage. The first number refers to the to maximum amount a policy will pay for an individual. The second number refers to the amount of property damage that a policy will pay for.
For state minimums, these numbers are the minimum amount a driver is required to carry.
Alabama Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Alabama | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Alaska Personal Auto Liability State Minimums: 50/100/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Alaska | $50,000 per person and $100,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $50,000 per person $100,000 per accident | $25,000 | $25,000 |
Arizona Personal Auto Liability State Minimums: 25/50/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Arizona | $25,000 per person and $50,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $15,000 | $15,000 |
Arkansas Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Arkansas | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
California Personal Auto Liability State Minimums: 15/30/5
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| California | $15,000 per person and $30,000 per accident in bodily injury liability coverage $5,000 per accident in property damage liability coverage | $15,000 per person $30,000 per accident | $5,000 | $5,000 |
Colorado Personal Auto Liability State Minimums: 25/50/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Colorado | $25,000 per person and $50,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $15,000 | $15,000 |
Connecticut Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Connecticut | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Delaware Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Delaware | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $15,000 per person and $30,000 per accident in personal injury protection | $25,000 per person $50,000 per accident | $10,000 | $10,000 |
District of Columbia Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| District of Columbia | $10,000 per accident in property damage liability protection $10,000 in personal injury protection | None | $10,000 | $10,000 |
Florida Personal Auto Liability State Minimums: 10/20/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Florida | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person/ $50,000 per accident | $25,000 | $10,000 |
Georgia Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Georgia | $20,000 per person and $40,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $10,000 in personal injury protection | $20,000 per person $40,000 per accident | $10,000 | $25,000 |
Hawaii Personal Auto Liability State Minimums: 20/40/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Hawaii | $25,000 per person and $50,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $15,000 | $10,000 |
Idaho Personal Auto Liability State Minimums: 25/50/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Idaho | $25,000 per person and $50,000 per accident in bodily injury liability coverage $20,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage | $25,000 per person $50,000 per accident | $20,000 | $15,000 |
Illinois Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Illinois | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $20,000 |
Indiana Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Indiana | $20,000 per person and $40,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage | $20,000 per person $40,000 per accident | $15,000 | $25,000 |
Iowa Personal Auto Liability State Minimums: 20/40/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Iowa | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage Personal injury protection including:$4,500 per person for medical expenses $900/month for one year for disability $25/day for in-home services $2,000 for final expenses $4,500 for rehabilitation expenses Survivor benefits ($900/month for one year of lost income plus $25/day for in-home services) | $25,000 per person $50,000 per accident | $25,000 | $15,000 |
Kansas Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Kansas | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Kentucky Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Kentucky | $15,000 per person and $30,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $15,000 per person $30,000 per accident | $25,000 | $25,000 |
Louisiana Personal Auto Liability State Minimums: 15/30/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Louisiana | $50,000 per person and $100,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage $2,000 medical payments coverage | $50,000 per person $100,000 per accident | $25,000 | $25,000 |
Maine Personal Auto Liability State Minimums: 50/100/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Maine | $30,000 per person and $60,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage $30,000 per person and $60,000 per accident in uninsured/underinsured motorist coverage $15,000 per incident in uninsured/underinsured property damage coverage | $30,000 per person $60,000 per accident | $15,000 | $25,000 |
Maryland Personal Auto Liability State Minimums: 30/60/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Maryland | $20,000 per person and $40,000 per accident in bodily injury liability coverage $5,000 per accident in property damage liability coverage $20,000 per person and $40,000 per accident in uninsured/underinsured motorist coverage $8,000 in personal injury protection | $20,000 per person $40,000 per accident | $5,000 | $15,000 |
Massachusetts Personal Auto Liability State Minimums: 20/40/5
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Massachusetts | $30,000 per person and $60,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $40,000 in personal injury protection | $30,000 per person $60,000 per accident | $10,000 | $10,000 |
Michigan Personal Auto Liability State Minimums: 50/100/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Michigan | $50,000 per person and $100,000 per accident in bodily injury liability coverage $10,000 property damage liability protection outside Michigan and $1 million within Michigan $250,000 in personal injury protection (Medicaid and Medicare recipients may qualify for lower limits) | $50,000 per person $100,000 per accident | $10,000 | $5,000 |
Minnesota Personal Auto Liability State Minimums: 30/60/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Minnesota | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $10,000 |
Mississippi Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Mississippi | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Missouri Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Missouri | $25,000 per person and $50,000 per accident in bodily injury liability coverage $20,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $20,000 | $10,000 |
Montana Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Montana | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage | $25,000 per person $50,000 per accident | $25,000 | $20,000 |
Nebraska Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Nebraska | $25,000 per person and $50,000 per accident in bodily injury liability coverage $20,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $20,000 | $25,000 |
Nevada Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Nevada | Insurance is optional, but if purchased, the following minimum limits are required: $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $25,000 uninsured/underinsured motorist property damage coverage $1,000 medical payments coverage | $25,000 per person $50,000 per accident | $25,000 | $20,000 |
New Hampshire Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| New Hampshire | $5,000 per accident in property damage liability coverage $15,000 in personal injury protection | $15,000 per person $30,000 per accident | $5,000 | $25,000 |
New Jersey Personal Auto Liability State Minimums: 15/30/5
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| New Jersey | $25,000 per person in bodily injury liability coverage $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $10,000 | $5,000 |
New Mexico Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| New Mexico | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $50,000 per person and $100,000 per accident in liability for death $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $50,000 personal injury protection | $25,000 per person $50,000 per accident | $10,000 | $10,000 |
New York Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| New York | $30,000 per person and $60,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $30,000 per person and $60,000 per accident in uninsured motorist coverage $25,000 per accident in uninsured property damage coverage | $30,000 per person $60,000 per accident | $25,000 | $10,000 |
North Carolina Personal Auto Liability State Minimums: 30/60/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| North Carolina | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $30,000 in personal injury protection | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
North Dakota Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| North Dakota | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Ohio Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Ohio | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Oklahoma Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Oklahoma | $25,000 per person and $50,000 per accident in bodily injury liability coverage $20,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage $15,000 in personal injury protection | $25,000 per person $50,000 per accident | $20,000 | $25,000 |
Oregon Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Oregon | $15,000 per person and $30,000 per accident in bodily injury liability coverage $5,000 per accident in property damage liability coverage $5,000 in medical benefits | $15,000 per person $30,000 per accident | $5,000 | $20,000 |
Pennsylvania Personal Auto Liability State Minimums: 15/30/5
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Pennsylvania | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $5,000 |
Rhode Island Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Rhode Island | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
South Carolina Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| South Carolina | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
South Dakota Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| South Dakota | $25,000 per person and $50,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $15,000 | $25,000 |
Tennessee Personal Auto Liability State Minimums: 25/50/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Tennessee | $30,000 per person and $60,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage | $30,000 per person $60,000 per accident | $25,000 | $15,000 |
Texas Personal Auto Liability State Minimums: 30/60/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Texas | $25,000 per person and $65,000 per accident in bodily injury liability coverage $15,000 per accident in property damage liability coverage $3,000 in personal injury protection | $25,000 per person $65,000 per accident | $15,000 | $25,000 |
Utah Personal Auto Liability State Minimums: 25/65/15
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Utah | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage $10,000 per accident in uninsured/underinsured property damage coverage | $25,000 per person $50,000 per accident | $10,000 | $15,000 |
Vermont Personal Auto Liability State Minimums: 25/50/10
Virginia Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Virginia | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $10,000 | $20,000 |
Washington Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Washington | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $5,000 per accident in uninsured/underinsured property damage coverage | $25,000 per person $50,000 per accident | $10,000 | $10,000 |
West Virginia Personal Auto Liability State Minimums: 25/50/25
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| West Virginia | $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage $25,000 per accident in uninsured motorist property damage coverage | $25,000 per person $50,000 per accident | $25,000 | $25,000 |
Wisconsin Personal Auto Liability State Minimums: 25/50/10
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Wisconsin | $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage | $25,000 per person $50,000 per accident | $10,000 | $10,000 |
Wyoming Personal Auto Liability State Minimums: 25/50/20
| State | Types of Minimum Auto Liability Coverage Required by Law | Coverage Amount Limit for Bodily Injury for All Persons Injured in an Accident | Coverage Amount for Individual | Property Damage Coverage Amount |
| Wyoming | $25,000 per person and $50,000 per accident in bodily injury liability coverage $20,000 per accident in property damage liability coverage | $25,000 per person $50,000 per accident | $20,000 | $20,000 |
Special Auto Liability Minimum Cases by State
- Maine, New Hampshire, Pennsylvania: ME and NH have "medical payments coverage", while PA has "medical benefits coverage." Each of these effectively work like personal industry protection coverage, or PIP.
- Connecticut, Kansas, Minnesota, New Hampshire, Washington D.C. and North and South Dakota: each have underinsured motorist insurance in addition to uninsured motorist coverage requirements.
- Kansas: In addition to $4,500 PIP, drivers get up to $900 per month for disability or loss of income, $25 per day for in-home services, $4,500 for rehabilitation, and lastly $2,000 for funeral burial or cremation costs.
- Michigan: State has mandatory Property Protection Insurance (PPI) which acts like PIP, but for property damages instead of bodily. Limits are $1 million.
- New Hampshire: Car insurance is not mandatory in New Hampshire, but if you opted for it (or forced to get it), these would be the minimum requirements. Every state but New Hampshire has minimum liability coverage requirements.
- New York: Also comes with an additional $50,000 per person/ $100,000 per accident in the event of a death in an accident.