State Minimum Coverage Auto Insurance – “Reviewed” means that our Financial Review Board has thoroughly assessed the article for accuracy and clarity. The review board includes a panel of financial experts to ensure our content is always objective and balanced.
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State Minimum Coverage Auto Insurance
Edited by Jessa Claes Jessa ClaesArrow Right Editor, Insurance Jessa Claes is an insurance editor covering auto, home and life insurance. With over six years of experience, leading teams of writing, editing and content creators are dedicated to helping others achieve a healthy financial future. His work has been published by several insurance, personal finance, and investment-focused publications, including Jerry’s, BiggerPockets, 401(k) Expert, BP Wealth, and others. Connect with Jessa Claes on LinkedIn Linkedin Jessa Claes
Ohio Insurance Policies
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Minimum State Insurance Requirements
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Most states in the US have minimum car insurance requirements that you must meet to legally get behind the wheel. At a minimum, insurance laws mandate that drivers be covered for bodily injury and property damage liability. While a minimum required policy can be cheaper than a full coverage policy, this may not be possible if you borrow or lease your car and your bank requires a higher premium.
Week 20: Auto Insurance Rates By State In 2020
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Costs will increase through 2022. Shop around for a better rate before renewing your current policy.
Our insurance editorial team, which includes licensed agents, breaks down the car insurance requirements in each state below.
Almost all states have some form of auto insurance. Many states allow drivers to meet the minimum requirements in several ways through bonds, deposits, auto insurance policies, or auto insurance policies. There are no auto insurance requirements in New Hampshire, but you must prove you can be financially responsible for the damages you cause before you can get a policy, and there are minimum limits if you want to buy coverage. There are several states, including Michigan, Minnesota, and New Jersey, where drivers are required to be responsible and have personal injury coverage.
Liability Vs. Full Coverage Car Insurance: Which Is Better?
Per capita and minimum accident rates vary by location. You can visit your state’s Department of Insurance website or contact your auto insurer to find the minimum coverage requirements in your state.
Although insurance companies will not sell you a policy with less coverage than the minimum coverage level set by the state, it may be a good idea to check your state’s minimum coverage requirements. You can also purchase more than the required amount if you want additional financial protection. Most insurance experts recommend that you get multiple quotes before choosing the lowest auto insurance coverage available in your state to save on auto insurance premiums.
*Florida only requires PDL and PIP, but you must prove that you have the financial ability to pay for damages before you can get out of BI. If you buy, the minimum BI limit is 10/20.
**New Hampshire does not require auto insurance, but these are the minimum limits if you purchase a policy to meet the Financial Responsibility Act.
Baltimore Uninsured Motorist Coverage
***New Jersey’s limits are based on the “standard policy” minimum coverage requirements for current coverage. These restrictions reflect progress as of January 2023. New Jersey’s minimum limits will increase again in January 2026, to 35/70/25 for liability and 35/70 for UM/UIM. PIP will remain at $15,000.
Standard auto insurance is not mandatory in all states. Depending on where you live, there may be alternative options such as depositing
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