subject: Car Insurance by State: State-by-State [print this page] Car Insurance by State: State-by-State Car Insurance by State: State-by-State
This is a good question!
Why Won't the Minimum State Insurance Requirements Cover Me? It seems funny that each state legislature would set a minimum insurance requirement and then your insurance agent tells you that the minimum is not enough. But it is true and sometimes the changes it takes to put into law what is the best coverage for car insurance is a lengthy process and is often behind the economy changes. Let us look at an example:
Wyoming's state minimum insurance requirements are 25/50/20. The first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit.
The first two numbers in 25/50/20 would mean in an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 people needing 25,000 then whoever files first gets first access to the 50,000 limit and you may be sued for the rest if the accident was your fault!).
The last number refers to the total coverage per accident for property damage which in this case would be 20,000.
State-by-State Minimum Requirements (10/10)
Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/5
Florida 10/20/10
Georgia 15/30/10
State-by-State Minimum Requirements!
California Auto Insurance Requirements:
$15,000 worth of bodily injury coverage per person injured
$30,000 worth of maximum bodily injury coverage per accident, including medical expenses
$5,000 worth of property damage liability coverage
It is important to note that these insurance minimums do not provide coverage for damages to either yourself or your vehicle. They only provide liability coverage for damage to other motorists and their passengers, as well as damage to other people's property. Therefore, it is usually a wise decision to take out supplementary coverage in order to fully protect yourself. This additional insurance includes collision coverage, personal injury protection (PIP), medical paymentscoverage, and comprehensive coverage (fire, theft, vandalism, hail, etc).
Just enter your zip code now to instantly compare free car insurance quotes online from the best insurance companies in the country, such as Nationwide, Progressive, State Farm, Allstate, GEICO, AAA, 21st Century Insurance, Liberty Mutual, Farmers Insurance, and AARP.
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