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What kinds of car insurance coverages are required in your state?

Car insurance rates for a   Bmw Renault Škoda Toyota in   Alaska California Colorado Florida

Estimated cost for car insurance $1 dollars.

As you probably know, there are many types of auto insurance coverage. While most of these insurance products are optional, certain coverages are generally required by state law. Uninsured/underinsured motorist coverage is one of the optional insurance coverages, but may also be required by your state. Always check for most actual information about car insurance law in your state! Damages to other vehicles that you cause while driving a motor vehicle, does not cover basic liability insurance. It does: Collision coverage, comprehensive coverage, rental reimbursement coverage, towing and labor coverage, glass coverage and other optional coverages.

Your car insurance policy will cover you and your family members, while driving your own "insured" vehicle or someone else’s car with his permission...

Some car insurance companies in the United States let you customize your policy with coverage options that fit exactly your needs, such as:

  • Small Claim Forgiveness: with this feature, your auto insurance rates will never change because of a small traffic accident, if it was your own fault.
  • Comprehensive Claims Forgiveness: Car accidents happen, even to the best drivers. If you have a solid driving record, you deserve a little credit. That's why GEICO offer accident forgiveness.
  • Towing & Roadside Assistance: Nationwide roadside assistance provides 24/7 emergency help - true or not?
  • Car Rental Reimbursement: Do you need a rental vehicle after an accident? For example, if your car is damaged in an accident that's covered by your insurance policy, your rental reimbursement coverage will typically help pay for the rental car.

Minimum liability insurance requirements by state!

What are the minimum liability insurance requirements for private passenger vehicles in your U.S state? Most US states require a motor vehicle owner to carry at least minimum level of liability insurance (state's minimum). Virginia, New Hampshire and Mississippi are the only states that do not require to carry car insurance. Another question is...is minimum car insurance coverage enough for you, your car and your family budget? If you’re looking for the cheapest car insurance, you may even be tempted to buy a state minimum plan (basic liability insurance). Is it a good idea?

State Minimum car insurance limits
Alabama Liability: 25/50/25
Alaska Liability: 50/100/25
Arizona Liability: 15/30/10
Arkansas Liability: 25/50/25
California Liability: 15/30/5
Colorado Liability: 25/50/15
Connecticut Liability: 20/40/10
UM/UIM BI: 20/40
Delaware Liability: 15/30/10
PIP: 15/30
District of Columbia  Liability: 25/50/10
UM BI: 25/50
UMPD: $5,000
Florida Liability: 10/20/10
PIP: $10,000
BI liability not required by Florida but many carriers require 10/20
Georgia  Liability: 25/50/25
Hawaii  Liability: 20/40/10
PIP or PPO: $10,000
Idaho Liability: 25/50/15
Illinois  Liability: 25/50/20
UM BI: 25/50
Indiana Liability: 25/50/10
Iowa Liability: 20/40/15
Kansas   Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $4,500 medical/$900 work loss
Kentucky Liability: 25/50/10
PIP: $10,000
Louisiana Liability: 15/30/25
Maine Liability: 50/100/25
UM/UIM BI: 50/100
Medical payments: $2,000
Maryland  Liability: 30/60/15
UM/UIM BI: 30/60
UMPD: $15,000
PIP $2,500
Massachusetts  Liability: 20/40/5
UM/UIM BI: 20/40
PIP: $8,000
Michigan Liability: 20/40/10
PIP: Medical and work loss
PPI: $1,000,000
Minnesota  Liability: 30/60/10
UM/UIM BI: 25/50
PIP: $40,000
Mississippi Liability: 25/50/25
Missouri  Liability: 25/50/10
UM BI: 25/50
Montana Liability: 25/50/20
Nebraska  Liability: 25/50/25
UM/UIM BI: 25/50
Nevada Liability: 15/30/10
New Hampshire * Liability: 25/50/25
UM/UIM BI: 25/50
Medical payments: $1,000
* Car Insurance is not mandatory in the State of New Hampshire
New Jersey  Liability: 15/30/5 (standard policy)
UM/UIM BI: 15/30
UMPD: $5,000
PIP: $15,000
New Mexico  Liability: 25/50/10
New York Liability: 25/50/10
UM BI: 25/50
PIP: $50,000
North Carolina  Liability: 30/60/25
UM BI: 30/60
UMPD: $25,000
North Dakota  Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $30,000
Ohio Liability: 25/50/25
Oklahoma Liability: 25/50/25
Oregon  Liability: 25/50/20
UM BI: 25/50
PIP: $15,000
Pennsylania Liability: 15/30/5
First party benefits (PIP): $5,000
Rhode Island Liability: 25/50/25
South Carolina Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
South Dakota  Liability: 25/50/25
UM/UIM BI: 25/50
Tennessee Liability: 25/50/15
Texas  Liability: 30/60/25
Utah  Liability: 25/65/15
PIP: $3,000
Vermont  Liability: 25/50/10
UM/UIM BI: 50/100
UMPD: $10,000
Virginia  Liability: 25/50/20
UM/UIM BI: 25/50
UMPD: $20,000
Washington Liability: 25/50/10
West Virginia Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
Wisconsin Liability: 25/50/10
UM BI: 25/50
Wyoming Liability: 25/50/20

Average car insurance rates by state in 2017

Rank U.S State Premium
1 Michigan $2,465
2 Louisiana $1,928
3 Connecticut $1,897
4 Rhode Island $1,848
5 Florida $1,841
6 DC $1,692
7 California $1,651
8 Wyoming $1,538
9 Delaware $1,526
10 Texas $1,506
11 Oklahoma $1,476
12 Georgia $1,444
13 Arkansas $1,409
14 New Jersey $1,375
15 West Virginia $1,369
16 Kentucky $1,368
17 New York $1,352
18 Colorado $1,351
19 Arizona $1,348
20 Nevada $1,346
21 Maryland $1,327
22 Mississippi $1,326
23 Pennsylvania $1,313
24 Oregon $1,308
25 Hawaii $1,292
26 North Dakota $1,291
27 South Carolina $1,286
28 Massachusetts $1,242
29 Minnesota $1,241
30 Alabama $1,226
31 Montana $1,217
32 Washington $1,218
33 New Mexico $1,201
34 Kansas $1,194
35 Tennessee $1,186
36 Illinois $1,161
37 Wisconsin $1,154
38 Alaska $1,132
39 New Hampshire $1,125
40 Nebraska $1,112
41 Missouri $1,111
42 Utah $1,068
43 South Dakota $1,068
44 Virginia $1,042
45 Indiana $1,021
46 Iowa $1,018
47 North Carolina $1,010
48 Vermont $948
49 Idaho $940
50 Ohio $915
51 Maine $860

Remember, there are unpleasant consequences while driving a vehicle with suspended (invalid) registration! 

Lowest rates in California $364
Average rates in California $1821
Highest rates in California $6.374
Please note that these prices are indicative only and costs may vary depending on the type of policy and an insurance agent you choose.
The content "What kinds of car insurance coverages are required in your state?" has been written 5 years 2 months ago. Demonstrate your skills and willingness to help and answer right now! Issue is related to the location of Alaska, California, Colorado, Florida & vehicle model: Bmw, Renault, Škoda, Toyota. Are you an insurance agent (living around Alaska, California, Colorado, Florida) who can offer auto insurance quotes online? As an insurer, you can offer insurance quotes (free). Expected or offered car insurance price is around or under 1 dollars. Latest answer commented 5 years 2 months ago.

Commissioner

  • Dave JonesCommissioner
  • (Chair, Western Zone)
  • California Department of Insurance
  • 300 Capitol Mall, Suite 1700
  • Sacramento, California 95814
  • Phone: 916.492.3500 
  • Fax: 916.445.5280
  • 45 Fremont Street, 23rd Floor
  • San Francisco, California 94105
  • Phone: 415.538.4010 
  • Fax: 415.904.5889
  • 300 South Spring Street
  • South Tower 
  • Los Angeles, California 90013
  • Phone: 213.346.6464
  • Fax: 213.897.9051

Department of Insurance

To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners.

Would you like to know if an insurance company is licensed in California, Alaska, Florida, Colorado or any other U.S State? How much does Škoda, Renault, Bmw, Toyota car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above.

Remember, your Škoda, Renault, Bmw, Toyota car insurance has to be purchased through an agent licensed in your State.
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Learn more about rates and terms for your Škoda, Renault, Bmw, Toyota and find the cheapest car insurance quotes in California, Alaska, Florida, Colorado and other U.S. states to fit your needs and family budget. Understanding car insurance average rates in California can help find a good, cheap car insurance policy and a great way to save some money. Would you like to pay less than 1$ for liability insurance in your state? You can lower your monthly insurance payments by 10 - 30%. How? By doing any of the following.

Ask for better quotes - online

The states with the cheapest car insurance has average rates for this vehicle around $0 dollars, and the states with the most expensive rates are around $2 a month/year. The right discount can save you hundreds of dollars off your car insurance bill. Auto insurance companies in California, Alaska, Florida, Colorado use rating factors, to determine how much to charge you for coverage. These rating factors include: the make, model and year of your Škoda, Renault, Bmw, Toyota and similar vehicles.

Myths about car insurance

How much do you pay to insure your Škoda, Renault, Bmw, Toyota? Car insurance rates among states vary widely and insurance companies need to figure out if the applicant is too risky for them to insure. Auto insurance is very expensive, probably one of the most costly part of driving. How much do you pay for your policy in California, Alaska, Florida, Colorado? 1$? More or less?
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Minimum insurance requirements

The minimum amount of liability insurance you must have on your policy is:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
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"What kinds of car insurance coverages are required in your state?"

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