Insurance Requirements Answers

• How much car insurance coverage do I need if there is a lien on my car?

  If there’s an auto lien on your vehicle, there’s a good chance you’ll have to purchase what’s commonly referred to as full coverage insurance. Of course, this is in addition to your state’s minimum liability auto insurance requirements. Full Coverage Insurance Expla ...

• Which states are no-fault states?

  If you live in one of the following states, you must purchase no fault coverage: Arkansas (In Arkansas, you can refuse no fault coverage, but you must formally do so in writing.) Delaware Florida Hawaii Kansas Kentucky Maryland Massachusetts Michigan Minnesota New Jersey New York North Dakota O ...

• Will my auto insurance agent know the minimum level of coverage required by the state?

  Yes. States that require vehicle owners to purchase a certain amount of liability insurance generally also require the owners to purchase that coverage from an insurance company licensed to sell coverage in that state. If a company is licensed in your state, you can bet that company is aware of ...

• How much car insurance coverage do I need if I lease a car?

  In order to lease a vehicle, you must maintain personal auto insurance coverage. Car insurance requirements vary with the leasing company, and will be listed on the leasing contract. Gap Coverage In addition to regular car insurance, many leasing companies require gap insurance. Gap insurance co ...

• What is the state requirement for auto insurance in Washington?

  To comply with the car insurance laws in Washington, you must have at least the following amounts and types of coverage. WA Auto Insurance Requirements Bodily injury liability insurance: $25,000 per person Bodily injury liability insurance: $50,000 per accident Property damage liability insuran ...

• What is the state requirement for auto insurance in Virginia?

  To comply with Virginia regulations, you must carry at least the following types and amounts of auto insurance. VA Car Insurance Requirements Bodily injury liability insurance: $25,000 per person, up to $50,000 limit per accident Property damage liability insurance: $20,000 You're not require ...

• What is the state requirement for auto insurance in Vermont?

  Here's what you need to know concerning the minimum car insurance requirements in Vermont. VT Auto Insurance Standards Bodily injury liability: $25,000 per person, up to $50,000 per accident. Property damage liability: $10,000. Uninsured motorist bodily injury: $50,000 per person, up to $100,00 ...

• What is the state requirement for auto insurance in Washington DC?

  Here's the scoop: Continuous car insurance is mandatory for all vehicles registered vehicles in the District of Columbia. Compliance requires carrying the following amounts of liability insurance coverage: $25,000 per person for bodily injury or death. $50,000 per accident for bodily injury or ...

• What is the state requirement for auto insurance in Wyoming?

  Motor vehicles operated on Wyoming (WY) roadways are required to have adequate car insurance. Required Auto Insurance in Wyoming Minimum auto insurance levels in the state are as follows: $25,000 for injury to one person. $50,000 for injury to two or more people. $20,000 for property damage res ...

• What is the state requirement for auto insurance in Utah?

  Mandatory car insurance is required for the following situations: You, the car owner, reside in Utah. You, the car owner, do not reside in the state but have driven your vehicle in Utah for 90 days or more in one given year. Your vehicle is registered in Utah. To comply, you must carry the fol ...

• What is the state requirement for auto insurance in Tennessee?

  All vehicles registered in Tennessee must, by law, have car insurance protection. Legal compliance requires the following amounts of liability insurance coverage: $25,000 for bodily injury or death of one person in any one accident. $50,000 for bodily injury or death of two or more persons in a ...

• What is the state requirement for auto insurance in South Dakota?

  Auto insurance is mandatory for all vehicles registered in South Dakota. Compliance requires carrying the following amounts of liability insurance protection: $25,000 for bodily injury or death of one person in any one accident. $50,000 for bodily injury or death of two or more persons in any o ...

• What is the state requirement for auto insurance in South Carolina?

  Car insurance certification is required when applying for or renewing vehicle registration in South Carolina. To comply, you must, by law, carry the following amounts of liability insurance coverage: $25,000 per person for bodily injury or death. $50,000 per accident for bodily injury or death. ...

• What is the state requirement for auto insurance in Rhode Island?

  Auto insurance is required for all vehicles registered in Rhode Island. To legally comply you must carry the following amounts of liability insurance coverage: $25,000 for bodily injury or death per person. $50,000 for bodily injury or death per accident. $25,000 for property damage per acciden ...

• What is the state requirement for auto insurance in Arkansas?

  You are required to keep certain levels of auto insurance on each motor vehicle that you own in Arkansas (AR). Required Auto Insurance in Arkansas Failure to maintain these minimum levels of liability insurance on your auto could cause you to receive a traffic ticket or driver’s license su ...

• What is the state requirement for auto insurance in Arizona?

  Motor vehicles that are operated on public roads in Arizona (AZ) are required to have auto insurance coverage. Required Auto Insurance in Arizona The minimum level of liability insurance required on autos in AZ is as follows: Injury to one person: $15,000 Injury to two or more people: $30,000 P ...

• What is the state requirement for auto insurance in Alaska?

  Alaska (AK) auto insurance laws mandate that you maintain adequate liability insurance coverage on your motor vehicle. Before you register your auto in AK you must show valid proof of car insurance. Required Auto Insurance in Alaska Minimum auto insurance requirements for each motor vehicle in A ...

• What is the state requirement for auto insurance in Alabama?

  Each motor vehicle that you operate in Alabama (AL) is required to have adequate auto insurance coverage, particularly liability insurance. You cannot register your car in AL without proof of car insurance. Required Auto Insurance in Alabama Minimum liability insurance in AL is as follows: Inju ...

• What is the state requirement for auto insurance in Montana?

  To comply with the Montana car insurance requirements, you must have at least the following types and amounts of coverage. MT Auto Insurance Standards Bodily injury liability insurance: $25,000 per person Bodily injury liability insurance: $50,000 per accident Property damage liability insuranc ...

• What is the state requirement for auto insurance in New Mexico?

  Here are the minimum – repeat, minimum – auto insurance requirements for New Mexico. NM Car Insurance Limits Bodily injury liability insurance: $20,000 for injury or death of one person. Bodily injury liability insurance: $50,000 per accident for bodily injury or death of two or mor ...