Auto Insurance Coverage Types
There are 6 types of common coverages in automobile insurance. Your insurance policy may include all six or only some of them. Each coverage is priced differently/separately.
1. Bodily Injury Liability
Pays for bodily injuries or death the policyholder causes to someone else.
2. Medical Payments
Pays for medical expenses to the driver and passengers of the policyholder's car. Also called as Personal Injury Protection or (PIP).
3. Property Damage Liability
Pays for someone else's property damage caused by the policyholder.
4. Collision
Pays for damage to the policyholder's car caused by a collision. The collision could be with another car, a light post or any other objects including and not limited to a house.
5. Comprehensive
Pays for damages to the policyholder's car that are not caused by a collision with another car. Covered risks include theft, fire, hail, flood, vandalism, and other causes.
6. Uninsured or Underinsured Motorist Coverage
Pays for costs related to injuries as a result of collision with an uninsured, or underinsured driver. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.
Your State's Requirements:
Each state requires that you have certain types of auto insurance coverages with minimum liability limits. These limits vary from state to state. Information about each state's insurance requirements and minimum liability limits are listed below in a table. (The first two figures refer to bodily injury liability limits and the third figure refers to property damage liability. For example, 25/50/10 means coverage up to $25,000 for one individual and $50,000 for all persons injured in an accident, and up to $10,000 for property damage.)
The insurance industry recommends that your bodily injury liability limits be $100,000/person and $300,000/occurrence.
Some states insurance is not compulsory but drivers must prove that they can meet the liability requirements if they do not have insurance. These states are marked with *.
State |
Insurance Required |
Minimum Liability Limits |
| AL (Alabama) | Financial Responsibility Only* | 20/40/10 |
| AK (Alaska) | Bodily Injury & Property Damage Liability | 50/100/25 |
| AZ (Arizona) | Bodily Injury & Property Damage Liability | 15/30/10 |
| AR (Arkansas) | Bodily Injury & Property Damage Liability | 25/50/15 |
| CA (California) | Bodily Injury & Property Damage Liability | 15/30/5 |
| CO (California) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 25/50/15 |
| CT (Connecticut) | Bodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist | 20/40/10 |
| DE (Delaware) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 15/30/10 |
| DC (Washington DC) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 25/50/10 |
| FL (Florida) | Property Damage Liability, Personal Injury Protection | 10/20/10 |
| GA (Georgia) | Bodily Injury & Property Damage Liability | 15/30/10 |
| HI (Hawaii) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 20/40/10 |
| ID (Idaho) | Bodily Injury & Property Damage Liability | 25/50/15 |
| IL (Illinois) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 20/40/15 |
| IN (Indiana) | Bodily Injury & Property Damage Liability | 25/50/10 |
| IA (Iowa) | Bodily Injury & Property Damage Liability | 20/40/15 |
| KS (Kansas) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| KY (Kentucky) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 25/50/10 |
| LA (Louisiana) | Bodily Injury & Property Damage Liability | 10/20/10 |
| ME (Maine) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 20/40/10 |
| MD (Maryland) | Bodily Injury & Property Damage Liability, Personal Injury Protection (may be waived for the policyholder but compulsory for passengers), Uninsured Motorist | 20/40/10 |
| MA (Massachusetts) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 20/40/5 |
| MI (Michigan) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 20/40/10 |
| MN | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist, Underinsured Motorist | 30/60/10 |
| MS | Financial Responsibility Only* | 10/20/5 |
| MO | Bodily Injury & Property Damage Liability | 25/50/10 |
| MT | Bodily Injury & Property Damage Liability | 25/50/10 |
| NE (Nebraska) | Bodily Injury & Property Damage Liability | 25/50/25 |
| NV (Nevada) | Bodily Injury & Property Damage Liability | 15/30/10 |
| NH (New Hampshire) | Financial Responsibility Only* | 25/50/25 |
| NJ (New Jersey) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 15/30/5 |
| NM (New Mexico) | Bodily Injury & Property Damage Liability | 25/50/10 |
| NY (New York) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 (50/100 if the injury results in death) |
| NC (North Carolina) | Bodily Injury & Property Damage Liability | 25/50/15 |
| ND (North Dakota) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/25 |
| OH | Financial Responsibility Only* | 12.5/25/7.5 |
| OK (Oklahoma) | Bodily Injury & Property Damage Liability | 10/20/10 |
| OR (Oregon) | Bodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist | 25/50/10 |
| PA (Pennsylvania) | Bodily Injury & Property Damage Liability, Medical Payments | 15/30/5 |
| RI (Rhode Isand) | Bodily Injury Liability, Uninsured Motorist | 25/50/25 |
| SC (South Carolina) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 15/30/5 |
| SD (South Dakota) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 25/50/25 |
| TN Tennessee | Financial Responsibility Only* | 20/50/10 |
| TX (Texas) | Bodily Injury & Property Damage Liability | 20/40/15 |
| UT (Utah) | Bodily Injury & Property Damage Liability, Personal Injury Protection | 25/50/15 |
| VT (Vermont) | Bodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist | 20/40/10 |
| VA (Virginia) | Financial Responsibility Only* | 25/50/20 |
| WA (Washington) | Bodily Injury & Property Damage Liability | 25/50/10 |
| WV (West Virginia) | Bodily Injury & Property Damage Liability, Uninsured Motorist | 20/40/10 |
| WI (Wisconsin) | Financial Responsibility Only* | 25/50/10 |
| WY (Wyoming) | Bodily Injury & Property Damage Liability | 25/50/20 |