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Car Insurance Minimum State Requirements

Most states require all car owners to carry a minimum amount of auto insurance coverage. Further most states require that you produce documentation of your insurance policy if you are stopped by law enforcement or other government authorities. The penalty for not carrying the state's mandated amounts can lead to a fine of $500, suspension of your license, revocation of your registration and impoundment of your vehicle.

This is what a typical minimum state requirement looks like:
(NOTE: Each state may require other insurance coverage in addition to these.)

  1. A maximum bodily injury amount for one person, such as $15,000
  2. A maximum bodily injury amount for all persons, such as $30,000
  3. A maximum amount for property damages, such as $5,000

The state auto insurance minimums are generally listed in that order separated by slashes or commas. For example, automobile liability insurance coverage of 15/30/5 would cover fifteen thousand dollars for bodily injuries for one person (based on the first number 15 that is listed). The middle number of 30 would cover thirty thousand dollars for bodily injuries for all persons within one accident, and the last number of 5 will cover the cost of any property damages that may have been caused by the accident. State minimums range from 10/20/10, like Florida, and up to 50/110/25 for Alaska and Maine.

Wisconsin, New Hampshire, South Carolina and Virginia are currently the only states that do not require a driver to carry a minimum liability amount. Although, they do have other requirements such as certificate of self-insurance for those who chose not to by insurance. To acquire a certificate of self-insured you must either pay for an Uninsured Motor Vehicle (UMV) fee, have personal funds or have Security Bonds. Generally buying the standard liability state insurance minimum is more cost effective and much easier then these other options.

Uninsured Motorists - (UM)

About half of the states within the United States of America require automobile owners to carry an uninsured motorists policy.

Although this policy is not required by all states, we recommend that you purchase this coverage since this insurance does not cost much, yet can protect you from tens of thousands of dollars worth of damage.

Personal Injury Protection (PIP) & No-Fault

A number of state are No-Fault states. This means that if you are ever involved in an accident, your insurance company will not try to determine who was at fault in the accident -- and instead pay the claim. No-Fault does have an upper limit, however, that is a maximum amount that it will pay in a No-Fault settlement. Above that dollar limit an insurance company may become involved in proceedings to determine who was at fault.

Most no-fault states require divers to carry PIP or Personal Injury Protection. PIP covers medical cost, lost wages and other expenses that were caused due to the accident.

If you are ever involved in a car accident you should have our comprehensive automobile accident guide to help guide you with what to do.

Car Insurance & Your Bank Car Loan

In addition to carrying the state minimum insurance requirements, banks and lenders will require you to carry collision and comprehensive insurance if you borrow money to buy a new or used car. They require these policies to protect their collateral, this is the car you are driving.

The addition of collision and comprehensive along with the mandated state minimums is considered 'full coverage', a term used in the insurance industry.

Do You Need More Than Minimum Coverage?

At you can receive up to 8 car insurance quotes within minutes. This means that you have time to consider more than just the lowest cost minimum policy. Adding more vehicle coverage often costs very little extra and provides much more protection. Sooner or later just about everyone is involved in some kind of automobile accident -- so make sure that your car is adequately covered.


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