| AlabamaAL | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Alabama Legislature — Ala. Code §32-7-6Open official source ↗ |
|---|
| AlaskaAK | Generally $50,000 / $100,000 / $25,000; listed communities may be exempt | No PIP or medical-payments requirement listed | At-fault | Alaska DMV — Mandatory insuranceOpen official source ↗ |
|---|
| ArizonaAZ | $25,000 / $50,000 / $15,000 | No PIP or medical-payments requirement listed | At-fault | Arizona Legislature — A.R.S. §28-4009Open official source ↗ |
|---|
| ArkansasAR | $25,000 / $50,000 / $25,000 | $5,000 medical plus income-disability and accidental-death benefits included in every policy unless rejected in writing | At-fault | Arkansas Insurance Department — Automobile insurance guideOpen official source ↗ |
|---|
| CaliforniaCA | $30,000 / $60,000 / $15,000 | Not required — California is at-fault with no statutory PIP mandate on private passenger policies. | At-fault | California Legislature — Insurance Code §11580.1Open official source ↗ |
|---|
| ColoradoCO | $25,000 / $50,000 / $15,000 | Not required, but $5,000 medical payments (Med Pay) coverage is included in every policy unless you reject it | At-fault | Colorado General Assembly — Revised Statutes, Title 10Open official source ↗ |
|---|
| ConnecticutCT | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Connecticut Insurance Department — Auto insuranceOpen official source ↗ |
|---|
| DelawareDE | $25,000 / $50,000 / $10,000 | PIP required: $15,000 per person / $30,000 per accident | At-fault | Delaware Department of Insurance — Auto insurance guideOpen official source ↗ |
|---|
| FloridaFL | $10,000 PIP + $10,000 PDL | $10,000 personal injury protection (PIP) | First-party / no-fault | Florida FLHSMV — Insurance requirementsOpen official source ↗ |
|---|
| GeorgiaGA | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Georgia Office of Commissioner of Insurance — Auto insuranceOpen official source ↗ |
|---|
| HawaiiHI | $40,000 / $80,000 / $20,000 | $10,000 personal injury protection (PIP) required | First-party / no-fault | Hawaii Insurance Division — Auto minimum limits FAQOpen official source ↗ |
|---|
| IdahoID | $25,000 / $50,000 / $15,000 | No PIP or medical-payments requirement listed | At-fault | Idaho Legislature — Idaho Code §49-1229Open official source ↗ |
|---|
| IllinoisIL | $25,000 / $50,000 / $20,000 | No PIP or medical-payments requirement listed | At-fault | Illinois Secretary of State — Mandatory insuranceOpen official source ↗ |
|---|
| IndianaIN | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Indiana BMV — Proof of financial responsibilityOpen official source ↗ |
|---|
| IowaIA | $20,000 / $40,000 / $15,000 | No PIP or medical-payments requirement listed | At-fault | Iowa Legislature — Code chapter 321AOpen official source ↗ |
|---|
| KansasKS | $25,000 / $50,000 / $25,000 | PIP required (min. $4,500 medical per person, plus disability, in-home services, rehabilitation and funeral benefits) | First-party / no-fault | Kansas Revisor of Statutes — K.S.A. §40-3107Open official source ↗ |
|---|
| KentuckyKY | $25,000 / $50,000 / $25,000 | $10,000 PIP (basic reparations benefits) per person, included unless formally rejected in writing | First-party / no-fault | Kentucky Transportation Cabinet — Mandatory insuranceOpen official source ↗ |
|---|
| LouisianaLA | $15,000 / $30,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Louisiana Department of Insurance — Auto insurance guideOpen official source ↗ |
|---|
| MaineME | $50,000 / $100,000 / $25,000 | $2,000 medical payments coverage required | At-fault | Maine Bureau of Insurance — Insurance required by lawOpen official source ↗ |
|---|
| MarylandMD | $30,000 / $60,000 / $15,000 | $2,500 PIP required (first named insured may waive it in writing) | At-fault | Maryland Insurance Administration — Required auto insuranceOpen official source ↗ |
|---|
| MassachusettsMA | $25,000 / $50,000 / $30,000 | PIP: $8,000 per person | First-party / no-fault | Massachusetts Legislature — M.G.L. c. 90, §34AOpen official source ↗ |
|---|
| MichiganMI | $50,000 minimum ($250,000 default unless a lower limit is selected) / $100,000 minimum ($500,000 default) / $10,000 (applies to accidents outside Michigan) + $1 million PPI in Michigan | PIP medical required, six coverage levels, unlimited by default | First-party / no-fault | Michigan DIFS — Auto insuranceOpen official source ↗ |
|---|
| MinnesotaMN | $30,000 / $60,000 / $10,000 | PIP: $40,000 per person ($20,000 medical + $20,000 income loss/replacement services) | First-party / no-fault | Minnesota Department of Commerce — Auto insurance basicsOpen official source ↗ |
|---|
| MississippiMS | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Mississippi Insurance Department — Auto insuranceOpen official source ↗ |
|---|
| MissouriMO | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Missouri Department of Revenue — InsuranceOpen official source ↗ |
|---|
| MontanaMT | $25,000 / $50,000 / $20,000 | No PIP or medical-payments requirement listed | At-fault | Montana Department of Justice — Driver manualOpen official source ↗ |
|---|
| NebraskaNE | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Nebraska Department of Insurance — Auto coverageOpen official source ↗ |
|---|
| NevadaNV | $25,000 / $50,000 / $20,000 | No PIP or medical-payments requirement listed | At-fault | Nevada DMV — Vehicle insuranceOpen official source ↗ |
|---|
| New HampshireNH | Policy floor if insurance is purchased: $25,000 / $50,000 / $25,000 | $1,000 medical payments coverage required in any policy written (RSA 264:16) | At-fault | New Hampshire Legislature — RSA chapter 264Open official source ↗ |
|---|
| New JerseyNJ | $35,000 / $70,000 / $25,000 | $15,000 PIP per person, per accident minimum (standard policy) | First-party / no-fault | New Jersey DOBI — Standard auto policyOpen official source ↗ |
|---|
| New MexicoNM | $25,000 / $50,000 / $10,000 | No PIP or medical-payments requirement listed | At-fault | New Mexico MVD — InsuranceOpen official source ↗ |
|---|
| New YorkNY | $25,000 / $50,000 / $10,000 | $50,000 basic no-fault (PIP) per person | First-party / no-fault | New York DFS — Auto insurance resource centerOpen official source ↗ |
|---|
| North CarolinaNC | $50,000 / $100,000 / $50,000 | No PIP or medical-payments requirement listed | At-fault | North Carolina DOI — 2025 auto insurance changesOpen official source ↗ |
|---|
| North DakotaND | $25,000 / $50,000 / $25,000 | $30,000 basic no-fault (PIP) per person | First-party / no-fault | North Dakota Insurance Department — Auto insuranceOpen official source ↗ |
|---|
| OhioOH | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Ohio BMV — Mandatory insuranceOpen official source ↗ |
|---|
| OklahomaOK | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Oklahoma Legislature — Title 47, §§7-601 and 7-204Open official source ↗ |
|---|
| OregonOR | $25,000 / $50,000 / $20,000 | PIP: $15,000 per person (required) | At-fault | Oregon DMV — Insurance requirementsOpen official source ↗ |
|---|
| PennsylvaniaPA | $15,000 / $30,000 / $5,000 | First-party medical benefits: $5,000 (required) | First-party / no-fault | Pennsylvania Insurance Department — Auto insuranceOpen official source ↗ |
|---|
| Rhode IslandRI | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Rhode Island General Assembly — Motor Vehicle Reparations ActOpen official source ↗ |
|---|
| South CarolinaSC | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | South Carolina Department of Insurance — Auto insuranceOpen official source ↗ |
|---|
| South DakotaSD | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | South Dakota Division of Insurance — Auto insuranceOpen official source ↗ |
|---|
| TennesseeTN | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Tennessee Department of Revenue — Insurance verification overviewOpen official source ↗ |
|---|
| TexasTX | $30,000 / $60,000 / $25,000 | PIP included on Texas auto policies unless the named insured rejects it in writing (TDI; Tex. Ins. Code §1952.152). | At-fault | Texas Department of Insurance — Auto insurance guideOpen official source ↗ |
|---|
| UtahUT | $30,000 / $65,000 / $25,000 | PIP required, at least $3,000 per person (no-fault state) | First-party / no-fault | Utah Insurance Department — Auto liability and PIPOpen official source ↗ |
|---|
| VermontVT | $25,000 / $50,000 / $10,000 | No PIP or medical-payments requirement listed | At-fault | Vermont Legislature — 23 V.S.A. §800Open official source ↗ |
|---|
| VirginiaVA | $50,000 / $100,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | Virginia DMV — Insurance requirementsOpen official source ↗ |
|---|
| WashingtonWA | $25,000 / $50,000 / $10,000 | Not required, but insurers must offer PIP, rejection must be in writing | At-fault | Washington Office of the Insurance Commissioner — Mandatory insurance lawOpen official source ↗ |
|---|
| Washington, D.C.DC | $25,000 / $50,000 / $10,000 | PIP optional, insurers must offer it; if you carry it, you choose after a crash whether to use it | At-fault | D.C. Law Library — Compulsory motor vehicle insuranceOpen official source ↗ |
|---|
| West VirginiaWV | $25,000 / $50,000 / $25,000 | No PIP or medical-payments requirement listed | At-fault | West Virginia DMV — Consumer insurance informationOpen official source ↗ |
|---|
| WisconsinWI | $25,000 / $50,000 / $10,000 | No PIP or medical-payments requirement listed | At-fault | Wisconsin OCI — Automobile insurance FAQsOpen official source ↗ |
|---|
| WyomingWY | $25,000 / $50,000 / $20,000 | No PIP or medical-payments requirement listed | At-fault | Wyoming Department of Transportation — Insurance FAQsOpen official source ↗ |
|---|
