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Auto Liability Insurance

Liability auto insurance is quite possibly the most necessary type of car insurance, especially because many states require drivers to have it in order to operate a vehicle on public roads. Liability insurance covers the expenses of injury or damage caused by the insured party in a car accident.

How Auto Liability Insurance Works

Liability coverage is really a combination of two different types of insurance: coverage for property damage and coverage for bodily injury. This type of coverage protects a driver from the cost of personal injury to others through bodily injury coverage. It also protects a driver from the cost of damage caused to any physical property through property damage coverage.

Auto liability insurance policies usually include three important numbers (like 50/100/25). These numbers refer to the amount of damage covered by the policy, and are known as the split limits.

With the numbers listed in the liability auto insurance above, an insurance company would pay for as much as:

  • $50,000 of bodily injury damages to any single person
  • $100,000 total bodily injury damages caused to all people involved
  • and $25,000 of property damage



Laws in most states will require certain minimum amounts of liability coverage. A complete list of requirements for different states can be seen in the following table:

Liability Auto Insurance Requirements By State
State Required Liability Coverage
Alabama Auto Insurance 20/40/10
Alaska Auto Insurance 50/100/25
Arizona Auto Insurance 15/30/10
Arkansas Auto Insurance 25/50/25
California Auto Insurance 15/30/5
Colorado Auto Insurance 25/50/15
Connecticut Auto Insurance 20/40/10
Delaware Auto Insurance 15/30/10
Florida Auto Insurance 10/20/10
Georgia Auto Insurance 25/50/25
Hawaii Auto Insurance 20/40/10
Idaho Auto Insurance 25/50/15
Illinois Auto Insurance 20/40/15
Indiana Auto Insurance 25/50/10
Iowa Auto Insurance 20/40/15
Kansas Auto Insurance 25/50/10
Kentucky Auto Insurance 25/50/10
Louisiana Auto Insurance 10/20/20
Maine Auto Insurance 50/100/25
Maryland Auto Insurance 20/40/15
Massachusetts Auto Insurance 20/40/5
Michigan Auto Insurance 20/40/10
Minnesota Auto Insurance 30/60/10
Mississippi Auto Insurance 25/50/25
Missouri Auto Insurance 25/50/10
Montana Auto Insurance 25/50/10
Nebraska Auto Insurance 25/50/25
Nevada Auto Insurance 25/50/25
New Hampshire Auto Insurance 25/50/25
New Jersey Auto Insurance 15/30/5
New Mexico Auto Insurance 25/50/10
New York Auto Insurance 25/50/10
North Carolina Auto Insurance 30/60/25
North Dakota Auto Insurance 25/50/25
Ohio Auto Insurance 12.5/25/7.5
Oklahoma Auto Insurance 25/50/25
Oregon Auto Insurance 25/50/10
Pennsylvania Auto Insurance 15/30/5
Rhode Island Auto Insurance 25/50/25
South Carolina Auto Insurance 25/50/25
South Dakota Auto Insurance 25/50/25
Tennessee Auto Insurance 25/50/10
Texas Auto Insurance 25/50/25
Utah Auto Insurance 25/50/15
Vermont Auto Insurance 25/50/10
Virginia Auto Insurance 25/50/20
Washington Auto Insurance 25/50/10
Washington DC Auto Insurance 25/50/10
West Virginia Auto Insurance 20/40/10
Wisconsin Auto Insurance 25/50/10
Wyoming Auto Insurance 25/50/20

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