Coverage Area2019-05-24T18:34:59+00:00

State minimum car insurance coverage

Minimum Auto Insurance Coverage | Auto Insurance Coverage Minimum for each State

Understanding State Minimum Auto Insurance

The SkyBlue Insurance Agency is always expanding. This year alone (2019) we expanded our licensed property and casualty insurance sales area to ALL 50 states!

That means that SkyBlue insurance is protecting more people this year than ever before, and we’re committed to covering even more.

On this page, you will find commercial auto insurance laws and regulations for each state that we cover. If you have more specific commercial auto insurance questions please call us 1-800-771-7758 during regular business hours and we’d be happy to assist you.

Minimum Liability Limits

The chart below describes the minimum liability insurance limits of each of the states in which we sell commercial auto insurance.

Minimum auto insurance liability limits are the state’s minimum limits for how much liability insurance is required on each vehicle in order for it to be legally driven on public roadways.

Commercial Liability Auto Insurance

This is the single most important part of any commercial auto insurance policy. This is the portion of your commercial auto insurance or commercial trucking insurance which satisfies state and federal obligations for minimum financial responsibility requirements.

Essentially if you cannot prove that you can be held financially responsible for your actions or the actions of your employees behind the wheel of your company cars, then you are not legally allowed to operate them on public roadways. There are several criteria which the policy must meet in order to satisfy commercial liability insurance requirements.

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To learn more about each state’s liability insurance requirements, or the specifics about commercial liability insurance in your state and industry, continue to read. To get started immediately, call our office during regular business hours at 1-800-771-7758 for free quotes and a commercial auto insurance consultation.

Commercial liability insurance, commercial liability quotes, property damage liability insurance, bodily injury liability insurance, commercial liability insurance, this type of commercial auto insurance is the necessary kind. It satisfies legal requirements which must be met in any state or territory in order to operate your vehicle legally on public roads there.

Liability insurance as a general statement pays other people in the event you can be found liable or responsible for some type of damage, and very seldom offers any benefits to help pay for personal injuries or property damage to the policyholder.

There are two types of damage you can be held liable for while operating your vehicle whether it is a commercial vehicle or otherwise. These two types of damage are personal injury and property damage. There are separate commercial coverage limits and maximum benefit amounts for each.

Bodily Injury Liability

Bodily injury liability insurance pays for the medical bills due to personal injury in a car accident for which you were found to be at-fault or liable.

The minimum and maximum limits on these policies contain two amounts. the first amount is the maximum benefit award for injuries or funeral costs to a single person in any single event or accident. The second amount is the maximum total amount awarded to all injured or deceased persons in a single event.

There are minimum bodily injury liability amounts in each state, but it is often recommended that people (especially business-owners) purchase more commercial liability insurance that is required due to the fact that medical procedures can cost a great deal more than a state’s minimum bodily injury liability insurance limit.

Bodily injury liability amounts must be the same across all vehicles on a policy, and most insurers will not issue separate commercial insurance policies for the same policy-holder.

Property Damage Liability

This type of liability insurance coverage protects others against the property damage you may cause as a result of your driving.
This protection does not offer any property damage benefits for your own vehicle, however, and must not be confused with no-fault liability, uninsured motorist liability, underinsured motorist liability, collision, or comprehensive property damage insurance.
This coverage only pays for damages to the vehicles, structures, or personal effects of other people with whom you have become involved in an accident.

Liability Coverage Limits Available

Although there are minimum liability coverage requirements in each state, business owners are highly encouraged to purchase more commercial liability insurance to protect themselves and their business partners.

In each of the following coverage amounts, the variables read as follows:

The first number is the maximum benefit amount towards personal injury, medical, or funeral costs to any single person harmed by your driving, in thousands of dollars.

The second number is the maximum benefit amount towards personal injuries to any number of people in a single event in thousands of dollars.

The third number signifies the amount of property damage protection the policy offers, also listed in thousands of dollars.
CSL means combined single limit and refers to a single liability insurance limit which is slightly higher than specific liability policies but allows extra lee-way in case of an accident or lawsuit.

These are some common liability insurance limits we offer:

15/30/5 or 100 CSL
25/50/15 or 300 CSL
50/100/25 or 500 CSL
100/300/50 or 600 CSL
250/500/100 or 750 CSL
1000 CSL ($ 1 million in combined coverage)

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Property Damage | Collision & Comprehensive

Physical damage or property damage insurance is the segment of your commercial auto insurance policy that is designed to protect your commercial vehicles from damage due to a variety of perils or risks. The primary part of any property damage coverage for commercial auto insurance is collision coverage. This is an integral part of your coverage because it is the coverage under which you are statistically most likely to file a claim.

Comprehensive commercial auto insurance protects you from a wider but more specific (and consequently less risky) range of risks and perils of damage. For this reason, it is important to be very selective when choosing your comprehensive insurance options. There is no coverage which protects you from everything, so it never makes sense to purchase insurance which you are not likely to use or ever need. Call us today at 1-800-771-7758 during regular business hours to get started immediately or click on the button below to get free quotes after hours.

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The property damage portion of our commercial auto insurance reimburses you for any property damage sustained by your covered vehicles due to collision or any of a variety of other coverage options like Fire and/or Theft and Combined Additional Coverage.

These property damage insurance options can and will protect your entire fleet from whatever your business and the road may throw at them. They do not, however, include commercial liability insurance. For this reason, a primary commercial liability insurance policy is a prerequisite to purchasing comprehensive auto insurance for your company vehicles.

Valuation Practices & Your Responsibilities

Many companies will use stated values to more accurately determine the worth of your vehicle at the time you purchase your commercial auto insurance policy. Vehicles valued at more than $150,000.00 must be approved by the insurer before the policy can be considered in force.

Vehicles equipped with tools or attached equipment that is estimated at more than 50% of the value of the vehicle are unacceptable risks and are not eligible for coverage.

It is not the responsibility of the auto insurance provider to make sure that the valuation of your vehicle is accurate. It is the sole responsibility of the policyholder to do so accurately in order to prevent dissatisfaction with the award amount if there is a qualifying accident. This means that it is important to accurately track the value of your vehicles and attached equipment so that you can maintain appropriate amounts of commercial car insurance on each of them.

In addition to passing this responsibility along to the consumer, the policy-holder must also report annual or bi-annual devaluations to their insurer in order to make sure that their benefit amount and the approximate value of their vehicle stay on par with each other for the life of the policy.

Other Rules

A minimum vehicle valuation of $5,000 is required for a rating of power-driven vehicles, this is not true however for trailers.

Vehicles which carry passengers primarily, and are valued at more than $100,000.00 must also be approved by your insurance provider before any insurance policy is considered in-force. Comprehensive coverage is not available on all type of vehicles. Instead, Fire & Theft With Combined Additional Risks coverage will be offered in those situations.

You may purchase comprehensive or specific risk coverage without adding collision insurance, but not without the purchase of at least a standard bodily injury and property damage liability policy.

Collision Coverage

Commercial collision insurance will cover property damage to your vehicle up to a certain specific dollar amount. In order to qualify for insurance benefits, these damages must be caused by a covered vehicle and driver being involved in a collision with either another vehicle, a structure, object, animal, or pedestrian.

Collision coverage for your commercial auto insurance fulfills neither of your state legal obligations to carry bodily injury or property damage liability insurance.

Full Coverage (Comprehensive)

The comprehensive portion of this insurance coverage will protect you against other seemingly random perils or risks. Most of the parts of comprehensive property insurance plans come as part of a group, but others such as protection from damages due to falling objects, missiles or civil disturbance must be purchased separately as comprehensive insurance options.

The multitude of options available on comprehensive commercial insurance is very long and varies by carrier. For more specific information on the full-coverage insurance options available on your particular vehicle or through a specific company, please call our office during regular business hours at 1-800-771-7758.

Physical Damage For Commercial Vehicles
The following are the physical damage award limits of some of our common commercial auto insurance policies. All of these amounts apply purely to property damages incurred by the policy-holder in a qualifying event. Numbers listed below are in thousands of dollars of coverage:

100
250
500
1,000
2,500
5,000

The minimum liability limits of every state in our coverage area are listed below (updated May 5, 2019):

Alabama 

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Alaska 

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Arizona

Arizona has a special condition around legal requirements to drive your car. All drivers must show financial responsibility. You do not have to have insurance, however, if you choose to not purchase insurance you will have to be ready to put up a $40,000 certificate of deposit to prove you can pay for damages resulting from an accident. Naturally, for most people, buying the minimum car insurance makes a lot more financial sense. Here are the Arizona minimum requirements if you choose to purchase insurance instead of putting up a bond:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Arkansas

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

California

  • $15,000 bodily injury/death liability per person
  • $30,000 bodily injury/death liability to more than one person
  • $5,000 property damage liability per accident

Colorado

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Connecticut

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Delaware

  • $15,000 bodily injury or death per person
  • $25,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Florida

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

Georgia

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Hawaii

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

Idaho

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Illinois

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Indiana

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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Iowa

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Kansas

  • $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

Personal injury protection ($4,500 in medical expenses, up to $900 per month for disability or loss of income, $25 per day for in-home services, $4,500 for rehabilitation, $2,000 for funeral burial or cremation costs)

Kentucky

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $10,000 personal injury protection

Louisiana

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Maine

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $50,000 uninsured motorist coverage per person
  • $100,000 uninsured motorist coverage per accident
  • $2,000 medical payments coverage

Maryland

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Massachusetts

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident
  • $8,000 personal injury protection

Michigan

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Personal injury protection (unlimited) Michigan offers no-fault insurance with mandatory coverages
$1 million in property protection (PPI). PPI pays up to $1 million for damage your vehicle does in Michigan to other people’s property, such as buildings and fences.

Minnesota

  • $30,000 bodily injury liability per person
  • $60,000 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
  • $40,000 personal injury protection

Mississippi

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Missouri

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Montana

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Nebraska

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Nevada

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

New Hampshire

Car insurance is not mandatory in New Hampshire. There is no minimum car insurance requirement for the State of New Hampshire, however, state law does require you to pay for any bodily injury or property damage arising from your operation of a vehicle that you own.

So, although there is no law forcing you to purchase auto insurance in New Hampshire, there is a law which will hold you responsible for paying for damages. You should purchase at least the minimum car insurance to protect yourself and your family.

These are the minimum car insurance limits available when you do decide to purchase insurance:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage

New Jersey

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $15,000 uninsured motorist bodily injury

New Mexico

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

New York

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $50,000 liability for death per person
  • $100,000 liability for death per accident
  • $10,000 property damage liability per accident
  • $50,000 personal injury protection
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

North Carolina

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $30,000 uninsured motorist coverage per person
  • $60,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage per accident

North Dakota

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $30,000 personal injury protection

Ohio

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Oklahoma

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Oregon

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $15,000 personal injury protection

Pennsylvania

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $5,000 medical benefits

Rhode Island

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

South Carolina

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage

South Dakota

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Tennessee

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Texas

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Utah

  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • $3,000 personal injury protection

Virginia

Virginia has special conditions around car insurance. You do not necessarily have to buy car insurance, according to the DMV, Virginia law requires that all drivers have a way to pay for injuries or property damage resulting from a car accident. Minimum car insurance is one way to meet this requirement. These are the Virginia minimums:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Vermont

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident
  • $10,000 uninsured/underinsured motorist property damage coverage per accident

Washington

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Washington D.C.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $20,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $5,000 uninsured/underinsured motorist property damage coverage per accident

West Virginia

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person

Wisconsin

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Wyoming

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

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