How much liability coverage do you need?
Your state's minimum keeps you legal. It rarely covers a serious crash — size it to what you could lose.
Find your limits
State minimum: 25/50/25
100/300/100
The common recommendationWhat most agents suggest for a homeowner or someone with savings.Add collision and comprehensive: lenders require them, and they repair your own car.
A rule of thumb, not advice. A licensed agent can size cover to your situation.
Every state's minimum
- Alabama25/50/25
- Alaska50/100/25
- Arizona25/50/15
- Arkansas25/50/25
- California30/60/15
- Colorado25/50/15
- Connecticut25/50/25
- Delaware25/50/10
- District of Columbia25/50/10
- Florida—/—/10
- Georgia25/50/25
- Hawaii40/80/20
- Idaho25/50/15
- Illinois25/50/20
- Indiana25/50/25
- Iowa20/40/15
- Kansas25/50/25
- Kentucky25/50/25
- Louisiana15/30/25
- Maine50/100/25
- Maryland30/60/15
- Massachusetts25/50/30
- Michigan50/100/10
- Minnesota30/60/10
- Mississippi25/50/25
- Missouri25/50/25
- Montana25/50/20
- Nebraska25/50/25
- Nevada25/50/20
- New Hampshire—/—/—
- New Jersey35/70/25
- New Mexico25/50/10
- New York25/50/10
- North Carolina50/100/50
- North Dakota25/50/25
- Ohio25/50/25
- Oklahoma25/50/25
- Oregon25/50/20
- Pennsylvania15/30/5
- Rhode Island25/50/25
- South Carolina25/50/25
- South Dakota25/50/25
- Tennessee25/50/25
- Texas30/60/25
- Utah30/65/25
- Vermont25/50/10
- Virginia50/100/25
- Washington25/50/10
- West Virginia25/50/25
- Wisconsin25/50/10
- Wyoming25/50/20