At SafeAuto, we talk a lot about state minimum car insurance. In fact, our motto asserts that state minimum car insurance is exactly what we offer. But, do you know the minimum car insurance needed in your state in order to be considered legal to drive?
When it comes to car insurance, state minimums are written like this: xx/xx/xx. The first two numbers refer to bodily injury liability limits and the third number refers to property damage liability limits. According to about.com, if your states car insurance minimums looked like 25/50/20, “the first two numbers would mean in an accident each person injured would receive a maximum of up to $25,000 with only $50,000 allowed per accident (ex. 2 people needing $25,000, if the need is more such as 3 people needing $25,000 then whoever files first gets first access to the $50,000 limit and you may be sued for the rest if the accident was your fault.) The last number refers to the total coverage per accident for property damage, which in this case would be $20,000.”
For your reference, below is a listing of each state’s minimum car insurance requirements:
If you have any questions about this formula or about the car insurance process in general, please feel free to give us a call at 1-800-SAFEAUTO. For a free auto insurance quote, visit us online at www.safeauto.com.
