미주 자동차 보험 최소 조건 Car Insurance Minimum Requirements by State https : / / www . finder . com / car - insurance / state - minimum - car - insurance - coverage --------- 화일 첨부 Insu Minim Require State 8 P #. doc # 자동차 보험 이 필요 없 는 주 , Arizona [ 아래 조건 ] , [ New Hampshire , Virginia , 인터 넽 에서 ] 그러나 사고 시 지불 할 수 있 는 bond 나 능력 을 증명 해야함 https : / / surebuycarinsurance . com / states - that - dont - require - car - insurance / New Hampshire is the only state that doesn ’ t mandate car insurance for all drivers . Instead , drivers just need to prove they are able to pay for damages in the case of an at - fault accident . Drivers in New Hampshire who opt out of the insurance system have to post a bond or cash equal to the amount of damage caused in the crash . * States Without Required Car Insurance Actually , there are only two U . S . states where some drivers may not have to carry liability insurance . These are New Hampshire and Virginia . Even though these two states may not require everybody to buy an auto policy , they still require state residents to be financially responsible for their cars . So , if you always wondered , do all states require mandatory car insurance , then you should get the answer already . Let ’ s dig deep . - New Hampshire ;; If you do or do not buy car insurance in New Hampshire , the law will still hold you responsible for damages that range up to $ 25 , 000 in property damages and $ 50 , 000 for total liability . If you cause an accident and can ’ t settle the claim , you could get your driver ’ s license and vehicle registration suspended . - Virginia ;; People who don ’ t want to buy auto insurance in Virginia may be able to pay the state $ 500 a year for a waiver . This fee doesn ’ t pay for any insurance , and you can still be held legally responsible for damages for any accidents that you cause . Do Drivers In New Hampshire And Virginia Usually Buy Coverage ? It ’ s interesting to note that drivers in both of these states typically buy liability insurance even though it isn ’ t technically required . Most drivers find that paying premiums is an affordable way to prevent getting sued for damages or injuries caused by a car accident . It ’ s even more interesting to look at some statistics to see that drivers in these two states are even more likely to buy coverage than the national average . For example , , , The U . S . average for uninsured motorists is almost 13 percent . In New Hampshire , only about nine percent of drivers lack coverage . In Virginia , about 10 percent of drivers don ’ t buy coverage . Obviously , the lack of rules that force all drivers to purchase liability policies doesn ’ t keep prudent vehicle owners from making sure that they cover their cars . ----------------- All 50 state car insurance minimums State Minimum requirements State website Alabama $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Alabama Department of Insurance Alaska $ 50 , 000 bodily injury liability per person $ 100 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Alaska Department of Commerce , Community and Economic Development Division of Insurance Arizona $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident In Arizona , you are not required to have auto insurance to legally drive in the state . However , if you choose not to purchase insurance , you must put up a $ 40 , 000 bond to prove you can pay for damages in case of an accident . Arizona Department of Insurance Arkansas $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Arkansas Insurance Department California $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 5 , 000 property damage liability total per accident California Department of Insurance Colorado $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident Colorado Department of Regulatory Agencies Connecticut $ 20 , 000 bodily injury liability per person $ 40 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 20 , 000 uninsured / underinsured motorist coverage per person , $ 40 , 000 uninsured / underinsured motorist coverage total per accident , Connecticut Department of Motor Vehicles Delaware $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident Delaware Department of Insurance Florida $ 10 , 000 property damage liability total per accident $ 10 , 000 personal injury protection Florida Office of Insurance Regulation Georgia $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Georgia Department of Law Hawaii $ 20 , 000 bodily injury liability per person $ 40 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 10 , 000 personal injury protection Hawaii Department of Commerce and Consumer Affairs Idaho $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident Idaho Department of Insurance Illinois $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 20 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident , Illinois Department of Insurance Indiana $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident Indiana Department of Insurance Iowa $ 20 , 000 bodily injury liability per person $ 40 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident Iowa Insurance Division Kansas $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident Personal injury protection ( PIP ) with the following minimums : - $ 4 , 500 per person in medical expenses - $ 900 a month for disability or loss of income - $ 2 , 000 for burial or cremation expenses - $ 4 , 500 for rehabilitation Kansas Insurance Department Kentucky $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 10 , 000 personal injury protection Kentucky Department of Insurance Louisiana $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Louisiana Department of Insurance Maine $ 50 , 000 bodily injury liability per person $ 100 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 50 , 000 uninsured motorist coverage per person $ 100 , 000 uninsured motorist coverage total per accident $ 2 , 000 medical expenses coverage Maine Professional and Financial Regulation Maryland $ 30 , 000 bodily injury liability per person $ 60 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident $ 30 , 000 uninsured / underinsured motorist coverage per person $ 60 , 000 uninsured / underinsured motorist coverage per accident $ 15 , 000 uninsured / underinsured property damage coverage per accident Maryland Insurance Administration Massachusetts $ 20 , 000 bodily injury liability per person $ 40 , 000 bodily injury liability total per accident $ 5 , 000 property damage liability total per accident $ 20 , 000 uninsured motorist coverage per person $ 40 , 000 uninsured motorist coverage total per accident $ 8 , 000 personal injury protection Massachusetts Attorney General ’ s Office Michigan $ 20 , 000 bodily injury liability per person $ 40 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 1 million property protection — which covers buildings and parked cars In Michigan , you are required to have no - fault car insurance that covers injuries and damages regardless of who ’ s at fault . Michigan Department of Insurance and Financial Services Minnesota $ 30 , 000 bodily injury liability per person $ 60 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 25 , 000 uninsured / underinsured motorist coverage per person $ 50 , 000 uninsured / underinsured motorist coverage total per accident $ 40 , 000 personal injury protection Michigan Commerce Department Mississippi $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Mississippi Insurance Department Missouri $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident Missouri Department of Insurance Montana $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident Office of the Montana State Auditor Nebraska $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident Nebraska Department of Motor Vehicles Nevada $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident Nevada Division of Insurance New Hampshire In New Hampshire , having car insurance is optional . However if you are ever at - fault in an accident , the owner of the vehicle will still have to pay for any bodily injury or property damage . Below are the minimum limits in case one does decide to purchase insurance in New Hampshire . $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured / underinsured motorist coverage per person $ 50 , 000 uninsured / underinsured motorist coverage total per accident $ 25 , 000 uninsured / underinsured motorist property damage coverage $ 1 , 000 medical payments coverage New Hampshire Insurance Department New Jersey $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 5 , 000 property damage liability total per accident $ 15 , 000 medical payments coverage New Jersey Department of Banking and Insurance New Mexico $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident New Mexico Motor Vehicle Division New York $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 50 , 000 liability for death per person $ 100 , 000 liability for death per accident $ 50 , 000 personal injury protection $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident New York State Department of Financial Services North Carolina $ 30 , 000 bodily injury liability per person $ 60 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 30 , 000 uninsured motorist coverage per person $ 60 , 000 uninsured motorist coverage total per accident $ 25 , 000 uninsured motorist property damage coverage total per accident North Carolina Department of Insurance North Dakota $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident $ 30 , 000 uninsured motorist property damage coverage total per accident North Dakota Insurance Department Ohio $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Ohio Department of Insurance Oklahoma $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Oklahoma Insurance Commissioner Oregon $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 20 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident $ 15 , 000 personal injury protection Oregon Division of Financial Regulation Pennsylvania $ 15 , 000 bodily injury liability per person $ 30 , 000 bodily injury liability total per accident $ 5 , 000 property damage liability total per accident $ 5 , 000 medical benefits Pennsylvania Insurance Department Rhode Island $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Rhode Island Department of Business Regulation South Carolina $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident $ 25 , 000 uninsured motorist property damage coverage South Carolina Department of Insurance South Dakota $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident South Dakota Department of Labor and Regulation Tennessee $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident Tennessee Department of Commerce and Insurance Texas $ 30 , 000 bodily injury liability per person $ 60 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident Texas Department of Insurance Utah $ 25 , 000 bodily injury liability per person $ 65 , 000 bodily injury liability total per accident $ 15 , 000 property damage liability total per accident $ 3 , 000 personal injury protection Utah Insurance Department Vermont $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 50 , 000 uninsured motorist coverage per person $ 100 , 000 uninsured motorist coverage total per accident $ 10 , 000 uninsured motorist property damage coverage total per accident Vermont Department of Financial Regulation Virginia In Virginia , you do not have to buy car insurance as long as the driver can prove they have a way to pay for injuries of property damage in case of an at - fault accident . Below are the minimums in Virginia in case you decide to purchase insurance . $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 20 , 000 property damage liability total per accident $ 25 , 000 uninsured / underinsured motorist coverage per person $ 50 , 000 uninsured / underinsured motorist coverage per accident $ 20 , 000 uninsured / underinsured motorist property damage coverage per accident Virginia State Corporation Commission Washington $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident Washington Office of the Insurance Commissioner Washington , DC $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability per accident $ 10 , 000 property damage liability per accident $ 25 , 000 uninsured / underinsured motorist coverage per person $ 50 , 000 uninsured / underinsured motorist coverage per accident $ 5 , 000 uninsured / underinsured motorist property damage coverage per accident DC Department of Motor Vehicles West Virginia $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 25 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident $ 25 , 000 uninsured motorist property damage coverage West Virginia Offices of the Insurance Commissioner Wisconsin $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 10 , 000 property damage liability total per accident $ 25 , 000 uninsured motorist coverage per person $ 50 , 000 uninsured motorist coverage total per accident Wisconsin Office of the Commissioner of Insurance Wyoming $ 25 , 000 bodily injury liability per person $ 50 , 000 bodily injury liability total per accident $ 20 , 000 property damage liability total per accident Wyoming Department of Insurance 공유 하 기 글 요소