Proof of insurance required (1)
State	Insurance required (2)	Minimum liability limits (3)	At registration	At time of accident	At all times in vehicle	Insurer verification of insurance (4)	Penalties for non-compliance (first offense)
AL	BI & PD Liab	20/40/10	Yes	Yes	Yes	None	$500 fine, license suspension
AK	BI & PD Liab	50/100/25	No	No (5)	Yes	b	Registration suspension/revocation (6)
AZ	BI & PD Liab	15/30/10	No (7)	Yes	Yes	a,b,d	$250 fine
AR	BI & PD Liab	25/50/25	Yes	No	No	d	$50-$250 fine
CA	BI & PD Liab	15/30/5 (8)	Yes	Yes	Yes	b	$100-$200 fine
CO	BI & PD Liab	25/50/15	Yes	Yes	Yes	a,d	License suspension, $500 fine
CT	BI & PD Liab, UM, UIM	20/40/10	Yes	Yes	Yes	a,d	Registration/license suspension/revocation, confiscation of plates, vehicle impoundment, $110-$250 fine
DE	BI & PD Liab, PIP	15/30/10	No	Yes	Yes	a,c	$1,500-$2,000 fine; six-month license suspension
DC	BI & PD Liab, UM	25/50/10	Yes	No	No	a,c	$300-$500 fine or maximum 30 days jail
FL	PD Liab, PIP	10/20/10 (9)	Yes	Yes	Yes	a,d	60-day license revocation, vehicle impoundment for subsequent offense and confiscation of plates in Dade, Broward and Hillsborough counties (6)
GA	BI & PD Liab	25/50/25	Yes	Yes	Yes	a	60-day license suspension, registration suspension
HI	BI & PD Liab, PIP	20/40/10	No	Yes	Yes	None	$1,000 fine
ID	BI & PD Liab	25/50/15	No	Yes	Yes	a,c	$75 fine
IL	BI & PD Liab, UM	20/40/15	Yes	Yes	Yes	a,c	$500 fine, 60-day registration suspension, $100 reinstatement fee (6)
IN	BI & PD Liab	25/50/10	Yes	Yes	No	a,b	1-year license and/or registration suspension, $150 reinstatement fee
IA	BI & PD Liab	20/40/15	No	Yes	Yes	a	$100 fine
KS	BI & PD Liab, PIP, UM	25/50/10	Yes	No	No	d	$300-$1,000 fine, maximum 6 months jail
KY	BI & PD Liab, PIP	25/50/10	Yes	Yes	Yes	d	$500-$1,000 fine and/or up to 90 days in jail
LA	BI & PD Liab	10/20/10	Yes	No (e)	Yes	a,d	$25 fine, up to $500 fine, confiscation of plates (6), vehicle impoundment
ME	BI & PD Liab, UM, UIM	50/100/25 (10)	No	Yes	Yes	a	$100-$500 fine, 30-day license and registration suspension
MD	BI & PD Liab, PIP (11), UM	20/40/15	Yes	No	No	a,c	up to $1,000 fine and/or 1-year jail
MA	BI & PD Liab, PIP, UM	20/40/5	Yes	No	No	a	$500 fine (6)
MI	BI & PD Liab, PIP	20/40/10	Yes	No	No	a	$200 fine (6)
MN	BI & PD Liab, PIP, UM, UIM	30/60/10	No	Yes	Yes	None	License and/or registration revocation for 6 months (6)
MS	BI & PD Liab	25/50/25	No	Yes	Yes	a	$500 fine, license and registration suspension
MO	BI & PD Liab, UM	25/50/10	Yes	Yes	Yes	a,c	License and registration revocation (6)
MT	BI & PD Liab	25/50/10	No	Yes	Yes	a	$250-$500 fine or not more than 10 days in jail
NE	BI & PD Liab	25/50/25	Yes	Yes	Yes	a,d	$500 fine (6), license and registration suspension
NV	BI & PD Liab	15/30/10	No	Yes	Yes	a,d	$100 fine (6)
NH	FR only, UM	25/50/25	No	No (5)	No	None	None
NJ	BI & PD Liab, PIP, UM	15/30/5 (12)	No	Yes	Yes	d	$300-$1,000 fine, community service, 1-year license suspension
NM	BI & PD Liab	25/50/10	Yes	No	No	a,c	$100 fine (6)
NY	BI & PD Liab, PIP, UM	25/50/10 (13)	Yes	Yes	Yes	a,d	1-year license revocation
NC	BI & PD Liab	30/60/25	No	No	No	a,d	60-day registration suspension (6)
ND	BI & PD Liab, PIP, UM	25/50/25	No	No (5)	No	a	$150 fine, registration revocation, license suspension (6)
OH	BI & PD Liab	12.5/25/7.5	No	Yes	Yes	a	90-day license suspension, $75 reinstatement fee
OK	BI & PD Liab	25/50/25	Yes	Yes	Yes	a	$250 fine, no more than 30 days jail, license and registration suspension (6)
OR	BI & PD Liab, PIP, UM	25/50/10	No	Yes	Yes	a,c	License suspension and/or revocation (6)
PA	BI & PD Liab, PIP	15/30/5	No	Yes	Yes	a	License and registration suspension, confiscation of plates (6)
RI	BI & PD Liab, UM	25/50/25 (9)	No	No	No	a,c	$100-$500 fine, up to 3 months license/registration suspension
SC	BI & PD Liab, UM	25/50/25**	Yes	Yes	Yes	a,d	$100-$200 fine, less than 30 days jail
SD	BI & PD Liab, UM	25/50/25	No	Yes	Yes	a	1-year license suspension (6)
TN	FR only	25/50/10 (9)	No	No	Yes (14)	a	$100 fine
TX	BI & PD Liab	20/40/15	Yes	Yes	No	a*	$175-$350 fine
UT	BI & PD Liab, PIP	25/50/15 (9)	No	Yes	Yes	a	$400 fine
VT	BI & PD Liab, UM, UIM	25/50/10	No	Yes	Yes	a	Less than $100 fine (6)
VA	BI & PD Liab, UM	25/50/20	No	No	No	a,b,c	None
WA	BI & PD Liab	25/50/10	No	No	No	a	$250 fine, community restitution (6)
WV	BI & PD Liab, UM	20/40/10	Yes	Yes	Yes	a	30-day license suspension, registration revocation, $200-$5,000 fine
WI	FR only, UM	25/50/10	No	No	No	a	License and or registration revocation (6)
WY	BI & PD Liab	25/50/20	Yes	Yes	Yes	a	Up to $750 fine; up to six months in jail
(1) Proof of valid insurance.  The form of evidence varies by state and may take the form of an insurance policy, binder, certificate of self-insurance, surety bonds, or certificate of deposit.  Many states require insurance identification cards issued by the insurer.  Self-certification, where the driver is required to identify the insurer and policy number in writing rather than in person, is not included. (2) Compulsory Coverages: BI Liab=Bodily injury liability PD Liab=Property damage liability UM=Uninsured motorist PD=Physical damage Med=First party (policyholder) medical expenses UIM=Underinsured motorist PIP=Personal Injury Protection. Mandatory in no-fault states.  Includes medical, rehabilitation, loss of earnings and funeral expenses.  In some states PIP includes essential services such as child care. FR=Financial responsibility only.  Insurance not compulsory. (3) The first two numbers refer to bodily injury liability limits and the third number to property 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. (4)  a.   Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.        b.  Insurer must verify financial responsibility or insurance after an accident or arrest.        c.  Insurer must verify randomly selected insurance policies upon request.        d.  Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency.  Also known as a computer data law. (5)  Insured must provide evidence of insurance at some point after the accident to the Department of Insurance, other state agency, or law enforcement officer.  Deadlines vary among the states. (6) Penalties are provided for in the law but may not be mandatory for first offenses. (7) Proof of insurance must be presented within 30 days of registration. (8) Low-cost policy limits for Los Angeles and San Francisco low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3; pilot program effective January 1, 2000 until January 1, 2007. (9) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state. (10) In addition, policyholders must also carry at least $1,000 for medical payments. (11) May be waived for the policyholder but is compulsory for passengers. (12) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverge not available under the basic policy but uninsured motorist coverage is required under the standard policy. (13) In addition, policyholders must have 50/100 for wrongful death coverage. (14) Although legally defined as financial responsibility, Tennessee's law is similar to a compulsory law because drivers can be fined if stopped by police or after crashes if they cannot show proof of financial responsibility. *SB 1670, effective September 1, 2005 requires the Texas Department of Insurance to establish a vehicle insurance verification system. **Effective January 1, 2007. Source:  Property Casualty Insurers Association of America; state departments of insurance and motor vehicles.

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