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Bodily Injury Liability Coverage
Liability coverage is the foundation of auto insurance coverage. It ensures your financial responsibility is covered if you are involved in an auto accident. Each state has its own minimum liability coverage requirements. Liability is split into two separate categories: bodily injury and property damage.
Bodily injury liability auto insurance covers your financial responsibility for the other driver’s medical costs. Typically, policies cover the policyholder anywhere in the United States, and will also cover someone who borrows his/her car with permission. Bodily injury liability is an important aspect of your auto insurance policy because medical expenses can run sky high, especially when pain and suffering damages are added.
Bodily injury liability is not the area to try and save money on your premium (your insurance payment). Due to the high cost of medical bills, it may be wise to purchase more than the state mandated minimum of bodily injury coverage. If the other motorist, or his/her passenger(s), incur injury expenses which exceed your policy’s coverage, you can be sued for the additional amount. If you own a home, or have sizeable financial savings, it is a good idea to protect your investments with adequate bodily injury coverage.
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Bodily Injury Liability Insurance Requirements
The following table outlines state-by-state bodily injury liability requirements. Refer to state-specific pages for detailed auto insurance requirements.
AL - FL | GA - LA | ME - NH | NJ - RI | SC - WY
State |
Bodily Injury Liability Required? |
Minimum Coverage Amount Required
*if purchased
(per person / per accident) |
|
| Alabama |
Yes |
$20,000 / $40,000 |
| Alaska |
Yes |
$50,000 / $100,000 |
| Arizona |
Yes |
$15,000 / $30,000 |
| Arkansas |
Yes |
$25,000 / $50,000 |
| California |
No |
$15,000 / $30,000 |
| Colorado |
Yes |
$25,000 / $50,000 |
| Connecticut |
Yes |
$20,000 / $40,000 |
| Delaware |
Yes |
$15,000 / $30,000 |
| District of Columbia |
Yes |
$25,000 / $50,000 |
| Florida |
No |
$10,000 / $20,000 * |
| Georgia |
Yes |
$25,000 / $50,000 |
| Hawaii |
Yes |
$20,000 / $40,000 |
| Idaho |
Yes |
$25,000 / $50,000 |
| Illinois |
Yes |
$20,000 / $40,000 |
| Indiana |
Yes |
$25,000 / $50,000 |
| Iowa |
Yes |
$20,000 / $40,000 |
| Kansas |
Yes |
$25,000 / $50,000 |
|
| Kentucky |
Yes |
$25,000 / $50,000 |
| Louisiana |
Yes |
$10,000 / $20,000 |
| Maine |
Yes |
$50,000 / $100,000 |
| Maryland |
Yes |
$20,000 / $40,000 |
| Massachusetts |
Yes |
$20,000 / $40,000 |
| Michigan |
Yes |
$20,000 / $40,000 |
| Minnesota |
Yes |
$30,000 / $60,000 |
| Mississippi |
Yes |
$25,000 / $50,000 |
| Missouri |
Yes |
$25,000 / $50,000 |
| Montana |
Yes |
$25,000 / $50,000 |
| Nebraska |
Yes |
$25,000 / $50,000 |
| Nevada |
Yes |
$15,000 / $30,000 |
| New Hampshire |
No |
$25,000 / $50,000 * |
| New Jersey |
Yes |
$15,000 / $30,000 |
| New Mexico |
Yes |
$25,000 / $50,000 |
| New York |
Yes |
$25,000 / $50,000 |
| North Carolina |
Yes |
$30,000 / $60,000 |
|
| North Dakota |
Yes |
$25,000 / $50,000 |
| Ohio |
Yes |
$12,500 / $25,000 |
| Oklahoma |
Yes |
$10,000 / $20,000 |
| Oregon |
Yes |
$25,000 / $50,000 |
| Pennsylvania |
Yes |
$15,000 / $30,000 |
| Rhode Island |
Yes |
$25,000 / $50,000 |
| South Carolina |
Yes |
$15,000 / $30,000 |
| South Dakota |
Yes |
$25,000 / $50,000 |
| Tennessee |
No |
$25,000 / $50,000 * |
| Texas |
Yes |
$20,000 / $40,000 |
| Utah |
Yes |
$25,000 / $50,000 |
| Vermont |
Yes |
$25,000 / $50,000 |
| Virginia |
Yes |
$25,000 / $50,000 |
| Washington |
Yes |
$25,000 / $50,000 |
| West Virginia |
Yes |
$20,000 / $40,000 |
| Wisconsin |
No |
$25,000 / $50,000 * |
| Wyoming |
Yes |
$25,000 / $50,000 |
|
|
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: November 10, 2009
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