Car insurance requirements vary by state in the United States. Understanding the specific laws and regulations of the state in which you reside is essential to ensure you are adequately covered in case of an accident. Below is a comprehensive guide outlining the car insurance requirements by US states:
1. California: In California, drivers are required to carry liability insurance with at least the following minimum coverage limits: - $15,000 for injury or death to one person - $30,000 for injury or death to more than one person - $5,000 for damage to property.
2. New York: New York mandates all drivers to carry liability insurance with the following minimum coverage limits: - $25,000 for bodily injury to one person - $50,000 for bodily injury to multiple people - $10,000 for property damage.
3. Texas: Texas drivers must have liability insurance that includes at least the following minimum coverage limits: - $30,000 for bodily injury per person - $60,000 for bodily injury per accident - $25,000 for property damage.
4. Florida: Florida requires drivers to have Personal Injury Protection (PIP) insurance and Property Damage Liability (PDL) insurance with minimum coverage limits of: - $10,000 in PIP coverage - $10,000 in PDL coverage.
5. Illinois: Illinois' car insurance requirements include liability insurance with the following minimum coverage limits: - $25,000 for bodily injury or death per person - $50,000 for bodily injury or death per accident - $20,000 for property damage.
6. Pennsylvania: In Pennsylvania, drivers must carry liability insurance with minimum coverage limits of: - $15,000 for bodily injury or death per person - $30,000 for bodily injury or death per accident - $5,000 for property damage.
7. Ohio: Ohio requires drivers to have liability insurance that includes at least the following minimum coverage limits: - $25,000 for bodily injury or death per person - $50,000 for bodily injury or death per accident - $25,000 for property damage.
It's important to note that these are just a few examples of the car insurance requirements in some US states. Each state has its own specific laws regarding car insurance, so it's crucial to familiarize yourself with the requirements in your state to ensure you are compliant and adequately protected. If you have any further questions or need assistance understanding your state's car insurance requirements, don't hesitate to reach out to your insurance provider for clarification.