Colin R Cherry asked:


Virtually all states within the U.S. have laws governing the minimum amount of auto insurance coverage you should have. In states that don 't have financial responsibility laws that indicate that you have to be able to provide proof of ability to pay in person and property resulting from an auto accident until certain minimum amount. The chart below shows the status of the minimum required by the state. The second first figure is the minimum amount of coverage required for all people injured in an accident. The first figure is the limit for an individual and the third is for property damage. All figures are 1000 's $. Thus, taking Alaska as an example, the minimum coverage is $ 100,000 for all persons injured in an accident up to a limit of $ 50,000 for one individual and $ 25,000 for property damage. Alabama Alaska 50/100/25Arizona 15/30/10 Arkansas 25/50/25 California 25/50/25 Connecticut 20/40/10 Delaware 15/30/5Colorado 25/50/15 CC 15/30/10 The 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25 / 50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25Maryland 20/40/15 Massachusetts 20/40/5Michigan 20/40/10 Mississippi 25/50/25 Minnesota 30/60/10 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New – 25/50/25 onlyNew Hampshire financial responsibility Jersey New 15/30/10 – Mexico 25/50 / 10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5Oklahoma 25/50/25 Oregon 25/50/10 Pennsylvania / 5 Rhode 15/30 — Island 25/50/25 South Carolina 25/50/25 South Dakota 25/50/25 Tennessee 25/50/10 Texas 25/50/25 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50 / 20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 financial responsibility onlyWyoming 25/50/20 Â should be stressed that these figures are the minimum required by law. It is generally agreed that more realistic figures would be $ 300,000 bodily injury protection per accident and $ 100,000 per person. Other options are available to increase your coverage. These include – the coverage of uninsured motorist coverage will pay personal injury and property damage you suffer as a result of an accident caused by an uninsured driver. Underinsured motorist coverage of this coverage pays bodily injury and property damage you may suffer as a result of an accident caused by a driver who has insurance but whose coverage is less than your uninsured motorist coverage. Personal injury protection (PIP) This coverage (sometimes known as "ninguÌ?? No-fault coverage) is for injuries you and others may suffer in an auto accident regardless of who caused the accident. It covers the cost of hospital and medical costs incurred in treating injuries and other incidental costs such as lost wages. Coverage Collision coverage will pay for damages to your vehicle when involved in a collision with another vehicle or object. This Comprehensive coverage pays for damage to your vehicle that is not the result of a collision, such as fire, theft, vandalism and flooding.