| Louisiana | $3,718 | $872 |
- - $15,000 bodily injury liability per person
- - $30,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Florida | $3,536 | $1,295 |
- - $10,000 property damage liability per accident
- - $10,000 personal injury protection
- Florida doesn't require standard drivers to carry bodily injury liability coverage.
|
| New York | $2,898 | $1,142 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $50,000 liability for death per person
- - $100,000 liability for death per accident
- - $10,000 property damage liability per accident
- - $25,000 uninsured motorist bodily injury coverage per person
- - $50,000 uninsured motorist bodily injury coverage per accident
- - $50,000 personal injury protection
|
| Michigan | $2,859 | $1,309 |
- - $50,000 bodily injury liability per person
- - $100,000 bodily injury liability per accident
- - $10,000 property damage liability per accident outside Michigan
- - $1 million property protection within Michigan
- - $250,000* personal injury protection
- - *Lower PIP limits available for certain Medicare and Medicaid recipients.
|
| California | $2,848 | $724 |
- - $30,000 bodily injury liability per person
- - $60,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
|
| Kentucky | $2,807 | $852 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - Or a policy with a single limit of $60,000
|
| New Jersey | $2,687 | $1,284 |
- - $5,000 property damage liability per accident
- - $15,000 personal injury protection
|
| Oklahoma | $2,576 | $479 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Nevada | $2,535 | $816 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $20,000 property damage liability per accident
|
| Delaware | $2,500 | $1,012 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $15,000 personal injury protection per person
- - $30,000 personal injury protection per accident
|
| Rhode Island | $2,414 | $780 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Georgia | $2,410 | $792 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| South Carolina | $2,407 | $783 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
- - $25,000 uninsured motorist property damage coverage
|
| Pennsylvania | $2,334 | $499 |
- - $15,000 bodily injury liability per person
- - $30,000 bodily injury liability per accident
- - $5,000 property damage liability per accident
- - $5,000 medical payments coverage
|
| Missouri | $2,326 | $623 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
|
| Arkansas | $2,321 | $504 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Colorado | $2,315 | $489 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
|
| Connecticut | $2,310 | $856 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
|
| Maryland | $2,290 | $964 |
- - $30,000 bodily injury liability per person
- - $60,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
- - $30,000 uninsured/underinsured motorist coverage per person
- - $60,000 uninsured/underinsured motorist coverage per accident
- - $15,000 uninsured/underinsured property damage coverage per accident
|
| Texas | $2,260 | $624 |
- - $30,000 bodily injury liability per person
- - $60,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Arizona | $2,257 | $634 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
|
| Alaska | $2,217 | $461 |
- - $50,000 bodily injury liability per person
- - $100,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - Car insurance is optional for certain remote residents
|
| Kansas | $2,171 | $549 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
- - Personal injury protection including $4,500 per person in medical expenses, $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation
- - Survivors' benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services for up to one year
|
| South Dakota | $2,150 | $329 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
|
| West Virginia | $2,135 | $569 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
- - $25,000 uninsured motorist property damage coverage
|
| Montana | $2,048 | $388 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $20,000 property damage liability per accident
|
| Minnesota | $2,021 | $618 |
- - $30,000 bodily injury liability per person
- - $60,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
- - $40,000 personal injury protection
|
| Mississippi | $2,008 | $506 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Illinois | $2,004 | $571 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $20,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
|
| Utah | $2,002 | $661 |
- - $30,000 bodily injury liability per person
- - $65,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $3,000 personal injury protection
|
| New Mexico | $1,921 | $450 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
|
| Oregon | $1,857 | $781 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $20,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
- - $15,000 personal injury protection
|
| Nebraska | $1,839 | $392 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
|
| Alabama | $1,836 | $462 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| North Dakota | $1,825 | $432 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
- - $30,000 personal injury protection
|
| Tennessee | $1,787 | $487 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Massachusetts | $1,777 | $525 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $30,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
- - $8,000 personal injury protection
|
| Virginia | $1,776 | $580 |
- - $50,000 bodily injury liability per person
- - $100,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $50,000 uninsured/underinsured motorist coverage per person
- - $100,000 uninsured/underinsured motorist coverage per accident
- - $25,000 uninsured/underinsured motorist property damage coverage per accident
|
| Wisconsin | $1,750 | $424 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
|
| Wyoming | $1,720 | $284 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $20,000 property damage liability per accident
|
| Iowa | $1,683 | $313 |
- - $20,000 bodily injury liability per person
- - $40,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
|
| Indiana | $1,668 | $453 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| Hawaii | $1,655 | $428 |
- - $20,000 bodily injury liability per person
- - $40,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $10,000 personal injury protection
|
| Washington | $1,519 | $477 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
|
| New Hampshire | $1,480 | $454 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- - $25,000 uninsured/underinsured motorist coverage per person
- - $50,000 uninsured/underinsured motorist coverage per accident
- - $25,000 uninsured/underinsured motorist property damage coverage
- - $1,000 medical payments coverage
- - Drivers in New Hampshire can drive without insurance, but after a crash or driving violation, they may be financially responsible. Payment colleral may take the form of an insurance policy, bond or deposit of money or securities. An insurance policy is the easiest and cheapest option for most drivers.
|
| Ohio | $1,422 | $365 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
|
| North Carolina | $1,412 | $486 |
- - $50,000 bodily injury liability per person
- - $100,000 bodily injury liability per accident
- - $50,000 property damage liability per accident
- - $50,000 uninsured/underinsured motorist coverage per person
- - $100,000 uninsured/underinsured motorist coverage per accident
- - $50,000 uninsured motorist property damage coverage per accident
|
| Maine | $1,408 | $455 |
- - $50,000 bodily injury liability per person
- - $100,000 bodily injury liability per accident
- - $25,000 property damage liability per accident
- Or a combined single liability limit of $125,000
- - $50,000 uninsured/underinsured motorist coverage per person
- - $100,000 uninsured/underinsured motorist coverage per accident
- - $2,000 medical payments coverage
|
| Idaho | $1,339 | $369 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $15,000 property damage liability per accident
|
| Vermont | $1,237 | $291 |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $50,000 uninsured/underinsured motorist coverage per person
- - $100,000 uninsured/underinsured motorist coverage per accident
- - $10,000 uninsured/underinsured motorist property damage coverage per accident
|
| District of Columbia | | |
- - $25,000 bodily injury liability per person
- - $50,000 bodily injury liability per accident
- - $10,000 property damage liability per accident
- - $25,000 uninsured motorist coverage per person
- - $50,000 uninsured motorist coverage per accident
- - $5,000 uninsured motorist property damage coverage per accident
|
