Six Basic Auto Insurance Coverage Parts

1.  Bodily Injury Liability – for injuries the policyholder causes to someone else. (Required in most states)

2.  Property Damage Liability – For damage the policyholder causes to another individuals vehicle. (Most States Require)

3.  Personal Injury Protection – (PIP) For treatment of injuries to the driver and passengers of the policyholder’s car. (Most States Require)

4. Collision – For damage to the policyholder’s car from a collision. The collision could be with another vehicle or any other property affected. (Optional Coverage)

5. Comprehensive - For damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks may include fire, theft, vandalism etc. (Optional Coverage)

6. Uninsured Motorist – For treatment of the policyholder’s injuries that result from a collision with an uninsured driver. This coverage works when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your auto damages. (Most States Require)

Use the guide below to know what requirements are needed per state

State Requirements List

State	Coverage Type(s) Required	Minimum Liability Limits* ($000)
Alabama	Bodily Injury and Property Damage Liability	20/40/10
Alaska	Bodily Injury and Property Damage Liability	50/100/25
Arizona	Bodily Injury and Property Damage Liability	15/30/10
Arkansas	Bodily Injury and Property Damage Liability	25/50/25
California	Bodily Injury and Property Damage Liability	15/30/5
Colorado	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
Connecticut	Bodily Injury and Property Damage Liability, Uninsured and Under insured Motorist	20/40/10
Delaware	Bodily Injury and Property Damage Liability, Personal Injury Protection	15/30/5
District of Columbia	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
Florida	Property Damage Liability, Personal Injury Protection	10/20/10
Georgia	Bodily Injury and Property Damage Liability	25/50/25
Hawaii	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
Idaho	Bodily Injury and Property Damage Liability	25/50/15
Illinois	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/15
Indiana	Bodily Injury and Property Damage Liability	25/50/10
Iowa	Bodily Injury and Property Damage Liability	20/40/15
Kansas	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
Kentucky	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/10
Louisiana	Bodily Injury and Property Damage Liability	10/20/10
Maine	Bodily Injury and Property Damage Liability, Uninsured Motorist, Under insured Motorist	50/100/25
Maryland	Bodily Injury and Property Damage Liability, Personal Injury Protection (may be waived for policyholder but compulsory for passengers), Uninsured Motorist	20/40/10
Massachusetts	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	20/40/5
Michigan	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
Minnesota	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Under insured Motorist	30/60/10
Mississippi	Bodily Injury and Property Damage Liability	10/20/5
Missouri	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
Montana	Bodily Injury and Property Damage Liability	25/50/10
Nebraska	Bodily Injury and Property Damage Liability	25/50/25
Nevada	Bodily Injury and Property Damage Liability	15/30/10
New Hampshire	Financial Responsibility Only, Under insured Motorist	25/50/25
New Jersey	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	15/30/5
New Mexico	Bodily Injury and Property Damage Liability	25/50/10
New York	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
North Carolina	Bodily Injury and Property Damage Liability	30/60/25
North Dakota	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/25
Ohio	Bodily Injury and Property Damage Liability	12.5/25/7.5
Oklahoma	Bodily Injury and Property Damage Liability	10/20/10
Oregon	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
Pennsylvania	Bodily Injury and Property Damage Liability, Medical Payments	15/30/5
Rhode Island	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
South Carolina	Bodily Injury and Property Damage Liability, Uninsured Motorist	15/30/10
South Dakota	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
Tennessee	Financial Responsibility Only	25/50/10
Texas	Bodily Injury and Property Damage Liability	20/40/15
Utah	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
Vermont	Bodily Injury and Property Damage Liability, Uninsured and Under insured Motorist	25/50/10
Virginia	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/20
Washington	Bodily Injury and Property Damage Liability	25/50/10
West Virginia	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/10
Wisconsin	Financial Responsibility Only, Uninsured Motorist	25/50/10
Wyoming	Bodily Injury and Property Damage Liability	25/50/20

Understanding what auto insurance coverage you must have or may want can save you money as well as any future tickets.