MotorCycle / RV Insurance Marine Insurance Insurance News Insurance Statistics Business Insurance  
 
Zip Code:
Quote Type:
Email Address:
Password:
Lost Password?
State DUI (Driving Under the Influence) Laws;
All states have drunk driving laws. Most states refer to drunk driving as DUI; more info…

Approved auto insurance repair facilities:
Most states require insurers and body shops to disclose to consumers the use of after market auto (OEM) parts. Search for your state’s rules or find states that use certain regulations. more info...

Highway Safety Statistics;
This link provides you with up to date information on safety issues as well as information about vehicle safety ratings, research statistics, laws and regulations, news releases and current news reports. more info...

Auto Recalls;
At this link you’ll find information from the National Highway Traffic Safety Administration’s available Database Files. Each search engine displays a brief description of what it does. more info...

Statewide Insurance requirements;
At this link you will find lemon laws, drivers license, registration, title information and insurance requirements. more info...

Insurance Company Ratings:
This link provides the consumer with insurance information as well as access to current auto news, events, auto ratings and analysis, news research as well as products and services. more info...

Insurance Information;
Links to information about Auto Insurance as well as Life, Home Business, Travel, Health, Disability and Long Term Care Insurance. more info...

Standard & Poors;
This site provides the consumer with access to information about the financial strength ratings of insurance companies, plus detailed financial Insurer Profiles on nearly 4,000 companies. more info...

Insurance News Network;
Links to a key provider of insurance industry information, with a goal of keeping insurance professionals current on critical, need-to-know industry news. Helping industry professionals to make better, faster and more informed decisions. more info...
 
 
Auto Insurance FAQ's
Search  

InsPolicy.com provides car insurance quotes in all states throughout the U.S. Getting an insurance quote is FAST and FREE! Receive multiple quotes from the carriers you select. In addition, you can even be reminded of important dates, such as your policy renewals. In addition to free auto insurance quotes, search our site for informative insurance information.
Your auto policy may include all 6 coverage's or some of them. Each coverage is priced separately.
1. Bodily Injury Liability
    For injuries the policyholder causes to someone else.
2. Medical Payments or Personal Injury Protection (PIP)
    For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
3. Property Damage Liability
    For damage the policyholder caused to someone else's property.
4. Collision For damage to the policyholder's car from a collision
    The collision could be with another car, a light post, fire hydrant, etc.
5. Comprehensive For damage to the policyholder's car that doesn't involve a collision with another car
    Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
6. Uninsured Motorist Coverage
    For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.Each state requires that you have certain types of coverage's with minimum liability limits. The required state limits are listed in the table below.
    If you lease a vehicle, the lease company will require that you carry at least $100,000 per person and $300,000 per occurrence.
    The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence.

State Requirements

StateInsurance RequiredMinimum Liability Limits*
ALBodily Injury & Property Damage Liability (effective 6/2000)20/40/10
AKBodily Injury & Property Damage Liability50/100/25
AZBodily Injury & Property Damage Liability15/30/10
ARBodily Injury & Property Damage Liability25/50/15
CABodily Injury & Property Damage Liability15/30/5
COBodily Injury & Property Damage Liability, Personal Injury Protection25/50/15
CTBodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist20/40/10
DEBodily Injury & Property Damage Liability, Personal Injury Protection15/30/5(j)
DCBodily Injury & Property Damage Liability, Uninsured Motorist25/50/10
FLProperty Damage Liability, Personal Injury Protection10/20/10
GABodily Injury & Property Damage Liability15/30/10
HIBodily Injury & Property Damage Liability, Personal Injury Protection20/40/10
IDBodily Injury & Property Damage Liability25/50/15
ILBodily Injury & Property Damage Liability, Uninsured Motorist20/40/15
INBodily Injury & Property Damage Liability25/50/10
IABodily Injury & Property Damage Liability20/40/15
KSBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist25/50/10
KYBodily Injury & Property Damage Liability, Personal Injury Protection25/50/10
LABodily Injury & Property Damage Liability10/20/10
MEBodily Injury & Property Damage Liability, Uninsured Motorist50/100/25(k)
MDBodily Injury & Property Damage Liability, Personal Injury Protection (may be waived for the policyholder but compulsory for passengers), Uninsured Motorist20/40/10
MABodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist20/40/5
MIBodily Injury & Property Damage Liability, Personal Injury Protection20/40/10
MNBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist, Underinsured Motorist30/60/10
MSFinancial Responsibility Only10/20/5
MOBodily Injury, Property Damage Liability, Underinsured Motorist25/50/10
MTBodily Injury & Property Damage Liability25/50/10
NEBodily Injury & Property Damage Liability25/50/25
NVBodily Injury & Property Damage Liability15/30/10
NHFinancial Responsibility Only**, UM25/50/25
NJBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist15/30/5(1)
NMBodily Injury & Property Damage Liability25/50/10
NYBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist25/50/10* (50/100 if the injury results in death)
NCBodily Injury & Property Damage Liability25/50/15
NDBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist25/50/25
OHBodily Injury & Property Damage Liability12.5/25/7.5
OKBodily Injury & Property Damage Liability10/20/10
ORBodily Injury & Property Damage Liability, Personal Injury Protection, Uninsured Motorist25/50/10
PABodily Injury & Property Damage Liability, Medical Payments15/30/5
RIBodily Injury & Property Damage Liability, Uninsured Motorist 25/50/25
SCBodily Injury & Property Damage Liability, Uninsured Motorist15/30/10
SDBodily Injury & Property Damage Liability, Uninsured Motorist25/50/25
TNFinancial Responsibility Only25/50/10
TXBodily Injury & Property Damage Liability20/40/15
UTBodily Injury & Property Damage Liability, Personal Injury Protection25/50/15
VTBodily Injury & Property Damage Liability, Uninsured Motorist, Underinsured Motorist25/50/10
VABodily Injury & Property Damage Liability, Uninsured Motorist25/50/20
WABodily Injury & Property Damage Liability25/50/10
WVBodily Injury & Property Damage Liability, Uninsured Motorist20/40/10
WIFinancial Responsibility Only, Uninsured Motorist25/50/10
WYBodily Injury & Property Damage Liability25/50/20
Source: Insurance Information Institute
* The first two figures refer to bodily injury liability limits and the third figure refers to property damage liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual and $10,000 coverage for property damage.

Auto Insurance Links
What is Auto Insurance?
What are the diferent types of coverage?
What factors effect my insurance premium pricing?
Why choose InsPolicy for a Free Quote?
Getting the most for your money...
Auto Insurance Terms and Resources
Approved Auto Insurance repair facilities
Driver Training schools and resources