Average Car Insurance Rates by State

Each state has established minimum requirements of auto liability insurance for drivers to carry. Requirements are labeled in a three-part numbers system such as 25/50/25 which is common in most states. The 25/50 numbers refer to bodily injury liability insurance. The 25 describes per person limit, and the 50 describes the per accident limit. The last 25 describes the property damage. To further explain, if you had the minimum insurance required by law, you would have $25,000 worth of bodily injury coverage per person injured with a maximum of $50,000 per accident, and $25,000 to cover any property damage caused by an accident.

If all you can afford is the very minimum that your state requires, then you should buy it and you will be a responsible driver. Most people will carry 100/500/100 or more for two very important reasons. One is in order to give better coverage to who ever they cause damage to, and second, people want to protect accumulated assets that might be vulnerable to a law suit. To buy additional auto insurance will cost you very little more, especially when you consider your assets that are at risk.

Keep in mind that auto liability insurance only covers the party that you injured. To protect your property you must buy collision and comprehensive auto insurance.

Compare Care Insurance Rates; if you are moving to another state, you need to analyze their cost vs minimum requirements. Just because a state has low minimums doesn’t mean they have the cheapest auto insurance. The real truth may mean that their insurance is so high, they drop the minimum low enough so that the poorest drivers can afford to carry it. The bottom line is, you have to be concerned with what you can afford and what you really need to carry.

Here is a list of minimum requirement by state:

10/20/5                  Mississippi
10/20/10               Florida, Louisiana, Oklahoma
12.5/25/7.5          Ohio
15/30/5                  California, Delaware, New Jersey, Pennsylvania

15/30/10               Arizona, South Carolina, Georgia, Nevada
20/40/5                 Massachusetts

20/40/10               Alabama, Connecticut, Maryland, West Virginia

20/40/15               Illinois, Iowa, Texas, Hawaii

25/50/10               Indiana, Washington, Wisconsin, Tennessee
25/50/15              Utah, Idaho, Arkansas, Colorado

25/50/20              Virginia, Wyoming
25/50/25              Rhode Island, New Hampshire, North Dakota, South Dakota
30/60/10              Minnesota, Montana
30/60/25              North Carolina
50/100/25           Alaska, Maine

NOTE:  Minimum requirements are subject to change, therefore you may find some variation in auto insurance from state to state.

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