Auto Insurance Requirements Per State

As a driver in the United States are required to obtain certain types of auto insurance. Each country has its own minimum requirements for auto insurance, which all drivers must be able to provide evidence, in order to maintain their license in that state. Some states place a higher financial demands of the motorist then another. However, no matter what state you live in, you are required to meet the requirements of the state minimum auto insurance to legally drive. These laws were put in place to protect vehicle owners.

(This is the key to the abbreviations in the list below)

bodily injury / BI

liability for property damage / PDL

Uninsured / UI

Under Insured Motorist / UIM

personal injury protection / PIP

financial responsibility only / amo

Medical Payments / MP

Below is a list of states and the lowest auto insurance liabilities that are required to legally drive.

Alabama - BI, PDL. Alaska - BI, PDL. Arizona - BI, PDL. Arkansas - BI, PDL. California - BI, PDL. Colorado - BI, PDL, PIP. Connecticut - BI, PDL, UI, UIM. Delaware - BI, PDL, PIP. District of Columbia - BI, PDL, UI, UIM. Florida - PDL, PIP. Georgia - BI, PDL. Hawaii - BI, PDL, PIP. Idaho - BI, PDL. Illinois - BI, PDL, UIM. Indiana - BI, PDL. Iowa - BI, PDL. Kansas - BI, PDL, PIP, UIM. Kentucky - BI, PDL, PIP. Louisiana - BI, PDL. Maine - BI, PDL, UM, UIM. Maryland - PIP, PDL, UM. Massachusetts - BI, PDL, PIP, UIM. Michigan - BI, PDL, PIP. Minnesota - BI, PDL, PIP, UM, UIM. Mississippi - BI, PDL. Missouri - BI, PDL, UM. Montana - BI, PDL. Nebraska - BI, PDL. Nevada - Physical BI, PDL. New Hampshire - amo, UM. New Jersey - BI, PDL, PIP, UM. New Mexico - BI, PDL. New York - BI, PDL, PIP, UM. North Carolina - BI, PDL. North Dakota - BI, PDL, PIP, UM. Ohio - BI, PDL. Oklahoma - BI, PDL. Oregon - - BI, PDL, PIP, UM. Pennsylvania - BI, PDL, MP. Rhode Island - BI, PDL, UM. South Carolina - BI, PDL, UM. South Dakota - BI, PDL, UM. Tennessee - Financial responsibility only. Texas - BI, PDL. Utah - BI, PDL, PIP. Vermont - BI, PDL, UM, UIM. Virginia - BI, PDL, UM. Washington - BI, PDL. West Virginia - BI, PDL, UM. Wisconsin - amo, UM. Wyoming - BI, PDL.

This list is subject to change depending on changes and / or changes in the laws of each state.

If the driver is properly secured, and when you get into an accident with the driver on their fault, you will find that in most cases your insurance company will assume financial responsibility for any damage that May have incurred as a result of this accident.

an excellent tool that will assist you in obtaining information about car insurance providers the Internet. I would recommend that all drivers first try to get auto insurance quotes from multiple insurance providers, before making any final decisions. Your monthly auto liability insurance does not cost you a fortune. There are many great companies out there that offer very competitive prices.