State By State Minimum Car Insurance

It is required by state law that all drivers in the United States possess a minimum amount of liability car insurance on their vehicles. The legal minimum car insurance requirements vary from state to state. These minimums are documented as a three-part figure. The first number represents the per person bodily injury liability insurance. The second number represents the per accident bodily injury liability insurance, including medical expenses. The third number represents property damage liability coverage, both public and private property damage.

Let’s use California as an example. California’s minimum insurance liability figure looks as follows: 15/30/5.

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 payments coverage, 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.
Before Moving States, Consider The Following Facts

If you are considering moving to another state, the states which boast the lowest minimums do not necessarily translate into cheaper car insurance premiums! In fact, the direct opposite is often the case. For example, Mississippi has a low minimum (25/50/25) compared to some states, simply because car insurance is very expensive there. Few people would actually manage to pay for their auto insurance if the minimums were higher.

It is definitely worth getting a car insurance quote for the state you wish to relocate to. This way, you will know beforehand how much of an impact your car insurance rates will make on your budget! You might find the costs to be much the same as you are currently paying, be stunned by expensive payments, or pleasantly surprised at cheaper rates and better insurance coverage. My Car Insurance Rates is here to help you find cheap car insurance rates.
States Posting Lowest Minimums

Mississippi comes in first, posting the lowest state minimums nationwide at 10/20/5, closely followed by the states of Florida (10/20/10). In third place comes Ohio, which posts 12.5/25/7.5. The following states also require relatively low minimums: Arizona (15/30/10), California (15/30/5), Delaware (15/30/10), Louisiana (15/30/25), New Jersey (15/30/5), Nevada (15/30/10), Pennsylvania (15/30/5), Michigan (20/40/10), and Georgia (25/50/25).
States Requiring Highest Minimums

Sitting at the very top of the highest minimums states are Alaska and Maine, both recording 50/100/25. Next comes Oklahoma, New Hampshire, North Dakota, South Carolina, and South Dakota, all recording 25/50/25. North Carolina comes in third asking for a split of 30/60/25.