By Michael F. McDonough
On a scale from one to ten, how savvy would you say you are when it comes to your auto insurance? A three? A five? A full-scale ten? If you know your way around your insurance requirements then you already know how incredibly important it is to know the ins and outs of your state’s requirements before you decide to go shopping for auto insurance quotes!
Knowing your state’s minimum requirements is a vital step in stopping your bank account from being slurped into oblivion if you happen to get in an accident. Why? Because most states have a liability requirement to help you out if you happen to get in a fender bender so that you’re not trying to dig tens of thousands of dollars out of thin air to pay for the damages. Knowing your state’s requirements will also go a long way toward keeping you from getting slapped with a hefty fine if local law enforcement finds out you’re driving uninsured!
With that in mind, we’ve put together a quick table to introduce you to your state’s minimum liability requirements and help you keep three steps ahead (and well out of harm’s way) the next time you decide to go shopping for auto insurance quotes.
(A quick guideline: These requirements are in A/B/C form, where A=minimum bodily injury liability per person, B=minimum bodily injury liability per accident, and C=minimum property damage liability per accident.)
- 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
- Hawaii 20/40/10
- Idaho 20/50/15
- Illinois 20/40/15
- Indiana 25/50/10
- Iowa 20/40/15
- Kansas 25/50/10
- Kentucky 25/50/10
- Louisiana 10/20/10
- Maine 50/100/25
- Maryland 20/40/10
- Massachusetts 20/40/5
- Michigan 20/40/10
- Minnesota 30/60/10
- Mississippi 25/50/25
- Missouri 25/50/10
- Montana 25/50/10
- Nebraska 25/50/25
- New Hampshire 25/50/25
- New Jersey 15/30/5
- New Mexico 25/50/10
- Nevada 15/30/10
- New York 25/50/10
- North Carolina 30/60/25
- North Dakota 25/50/25
- Ohio 12.5/25/7.5
- Oklahoma 10/20/10
- Oregon 25/50/10
- Pennsylvania 15/30/5
- Rhode Island 25/50/25
- South Carolina 25/50/25
- South Dakota 25/50/25
- Tennessee 25/50/10
- Texas 20/40/15
- Utah 25/65/15
- Virginia 25/50/20
- Vermont 25/50/10
- Washington 25/50/10
- Wisconsin 25/50/10
- West Virginia 20/40/10
- Wyoming 25/50/20
Even if you see your state on here, you may still have the option to pay a fee to the DMV and drive around with no liability insurance whatsoever…but we can’t recommend it. It’s far better to play it safe, know your state requirements and go shopping for auto insurance quotes with your hat in hand looking for a better deal than to blindly drive down the highways with your fingers crossed hoping for the best.
Somehow, that always manages to end up costing you more than your annual premiums would have in the first place.
Michael McDonough is a National Account Executive for QuoteScout.com, where they use their resources to help drivers fulfill their state insurance requirements and get a better deal on their auto insurance quotes. To start hunting for quotes of your own, visit them on the web at http://www.QuoteScout.com.
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