Mandatory Car Insurance

In the United States car insurance is required by law. Operating a vehicle without insurance will almost always result in a fine. This website has all you need to know about car insurance requirements by state.
The amount of it varies and depends on each state law. The only state allows driving without car insurance is Virginia where you have to pay $500 fee to obtain a legal permission.

It is not only required by law, it is also very important to protect yourself.

There were almost 6.5 million automobile accidents in the United States, in 2005. The cost of these crashes totaled more than $230 billion.

You should also understand that it’s not about you being a bad driver. It’s about other people putting themselves and others into danger.

95% of all car accidents – worldwide – include poor driver performance.

Requirements for car insurance

The insurance is required for every vehicle in the United States. It required to provide you with minimum protection if you are injured in an accident.
Mandatory car insurance
There are 3 types of mandatory minimum liability insurance requirements:
1. For injury or death to one person (Bodily injury liability).
2. For injury or death to more than one person (Bodily injury liability).
3. For property damage (Property damage liability maximum for one accident).

Liability compensates a person other than the policy holder for personal injury or property damage. Minimum requirements depend on each State. Liability coverage limits are written as three numbers, such as 25/50/20. That translates to $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $20,000 in property-damage coverage per accident.

Liability insurance required since this is what cover others that you may harm in an accident.

Is minimum auto insurance is enough?

See the following two points below to decide whether is minimum mandatory auto insurance is enough for you.

1. Comprehensive or collision insurance does not included in vehicle financial responsibility requirements. However, you will also want to be fully protected with comprehensive and collision insurance so that your personal vehicle is protected if your vehicle is damaged in an accident.

2. The average rate of bodily injury liability limit for one person – $20,000. What that’s mean is that if only one person was insured in an accident, he or she would receive a maximum of up to $40,000. If there were injured two people, they would receive up to $40,000 that is up to $20,000 each.
BUT if there were injured 3 or more people needing 40,000 then whoever files first gets first access to the 40 thousand limit and you might be sued for the rest if the accident was your fault.

Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15. PIP also required.
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10. Uninsured motorist required as well.
Delaware 15/30/5. PIP required.
Florida 10/20/10. Liability coverage is not required. Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.
Georgia 15/30/10
Hawaii 20/40/10. PIP required. “No-fault” state.
Idaho 20/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10. PIP required. “No-fault” state. Uninsured motorist required.
Kentucky 25/50/10. PIP required. “No-fault” state.
Louisiana 10/20/10.
Maine 50/100/25. Uninsured motorist required.
Maryland 20/40/10. PIP required. Uninsured motorist required.
Massachusetts 20/40/5. PIP required. “No-fault” state. Uninsured motorist required.
Michigan 20/40/10. PIP required. “No-fault” state.
Minnesota 30/60/10. PIP required. “No-fault” state. Uninsured motorist required.
Mississippi 25/50/25
Missouri 25/50/10. Uninsured motorist.
Montana 25/50/10
Nebraska 25/50/25
New Hampshire 25/50/25 – liability insurance not required if you provide the prove of sufficient funds to meet New Hampshire Motor Vehicle Financial Responsibility Requirements.
New Jersey 15/30/5. PIP. “No-fault” state. Uninsured motorist required.
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10. PIP. “No-fault” state. Uninsured motorist required.
North Carolina 30/60/25. Uninsured motorist.
North Dakota 25/50/25. PIP. “No-fault” state. Uninsured motorist required.
Ohio 12.5/25/7.5
Oklahoma 10/20/10
Oregon 25/50/10. PIP. Uninsured motorist required.
Pennsylvania 15/30/5. PIP. “No-fault” state.
Rhode Island 25/50/25. Uninsured motorist required.
South Carolina 25/50/25. Uninsured motorist required.
South Dakota 25/50/25. Uninsured motorist required.
Tennessee 25/50/10
Texas 30/60/25
Utah 25/65/15. PIP. “No-fault” state.
Virginia 25/50/20. Uninsured motorist required.
Vermont 25/50/10
Washington 25/50/10
Washington DC 25/50/10 Uninsured motorist required.
West Virginia 20/40/10 Uninsured motorist required.
Wisconsin 25/50/10 Uninsured motorist required.
Wyoming 25/50/20

Car insurance quotes

Insurance cost vary from company to company, and comparing rates will ensure the best prices available for auto insurance. It is easy to compare rates online, where multiple quotes can be obtained very easy. Each provider knows about car insurance requirements by state and will offer you additional to that options to protect yourself.