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All states require drivers to maintain minimum levels of liabilty insurance coverage in order to legally operate a motor vehicle. The following figures are from the 1997 Property/Casualty Fact Book, published by the Insurance Information Institute.There are three numbers "1/2/3" in the chart -
The first number (1) represents the liability maximum for each individual injured party in an accident.
The second number (2) represents the total liability maximum for all injured parties in a single accident.
The third number (3) represents the total property damage maximum for a single accident.All numbers are in thousands of dollars.
| State | Liability Minimums |
State | Liability Minimums |
|
| Alabama | 20/40/10 | Montana | 25/50/10 | |
| Alaska | 50/100/25 | Nebraska | 25/50/25 | |
| Arizona | 15/30/10 | Nevada | 15/30/10 | |
| Arkansas | 25/50/15 | New Hampshire | 25/50/25 | |
| California | 15/30/5 | New Jersey | 15/30/5 | |
| Colorado | 25/50/15 | New Mexico | 25/50/10 | |
| Connecticut | 20/40/10 | New York | 25/50/10 | |
| Delaware | 15/30/10 | North Carolina | 25/50/15 | |
| D.C. | 25/50/10 | North Dakota | 25/50/25 | |
| Florida | 10/20/10 | Ohio | 12.5/25/7.5 | |
| Georgia | 15/30/10 | Oklahoma | 10/20/10 | |
| Hawaii | 35/15/10 | Oregon | 25/50/10 | |
| Idaho | 25/50/15 | Pennsylvania | 15/30/5 | |
| Illinois | 20/40/15 | Rhode Island | 25/50/25 | |
| Indiana | 25/50/10 | South Carolina | 15/30/5 | |
| Iowa | 20/40/15 | South Dakota | 25/50/25 | |
| Kansas | 25/50/10 | Tennessee | 20/50/10 | |
| Kentucky | 25/50/10 | Texas | 20/40/15 | |
| Louisiana | 10/20/10 | Utah | 25/50/15 | |
| Maine | 20/40/10 | Vermont | 20/40/10 | |
| Maryland | 20/40/10 | Virginia | 25/50/20 | |
| Massachusetts | 20/40/8 | Washington | 25/50/10 | |
| Michigan | 20/40/10 | West Virginia | 20/40/10 | |
| Minnesota | 30/60/10 | Wisconsin | 25/50/10 | |
| Mississippi | 10/20/5 | Wyoming | 25/50/20 | |
| Missouri | 25/50/10 |
Source: 1997 Property/Casualty Fact Book.
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