Minimum Liability Car Insurance

Cheap SR22 Insurance

Getting a DUI can be a devastating event, but not when you choose an insurance company that understands what you’re going through. Serenity Insurance has over over 25 years experience insuring high risk drivers. We provides affordable SR22 insurance for drivers that have received a DUI.

What is Minimum Liability Car Insurance

In most states, all drivers must carry the state defined minimum liability insurance. These state minimum requirements can be found at the state insurance commissioner’s website.

Liability car insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

Pros: Minimum liability insurance can be combined with an SR22 filing or FR44 filing. It is often the cheapest auto insurance you can purchase.

Cons: If you’re in a serious accident, a minimum liability insurance policy will generally not provide the coverage you need.

Types of Liability Coverage

Bodily injury liability: pays for injuries suffered by others in an accident you caused.

Property damage liability: pays for damage you cause to another person’s property (typically their vehicle) in an accident.

Wisconsin Example – 25/50/10

Wisconsin’s minimum liability of 25/50/10 means coverage up to:

  • $25,000 per individual injured
  • $50,000 for all persons injured
  • $10,000 coverage for property damage

Minimum Liability Insurance by State

StateMinimum Liability Limits
Alabama25/50/25
Alaska50/100/25
Arizona15/30/10
Arkansas25/50/15
California15/30/5
Colorado25/50/15
Connecticut20/40/10
District of Columbia10/25/5
Delaware15/30/5
Florida10/20/10
Georgia25/50/25
Hawaii20/40/10
Idaho20/50/15
Illinois25/50/20
Indiana25/50/10
Iowa20/40/15
Kansas25/50/10
Kentucky25/50/10
Louisiana15/30/25
Maine50/100/25
Maryland30/60/15
Massachusetts20/40/5
Michigan20/40/10
Minnesota30/60/10
Mississippi25/50/25
Missouri25/50/10
Montana25/50/10
Nebraska25/50/25
Nevada15/30/10
New Hampshire25/50/25
New Jersey15/30/5
New Mexico25/50/10
New York25/50/10
North Carolina30/60/25
North Dakota25/50/25
Ohio20/50/25
Oklahoma25/50/25
Oregon25/50/20
Pennsylvania15/30/5
Rhode Island25/50/25
South Carolina25/50/25
South Dakota25/50/25
Tennessee25/50/10
Texas30/60/25
Utah25/65/15
Vermont25/50/10
Virginia25/50/20
Washington25/50/10
West Virginia20/40/10
Wisconsin25/50/10
Wyoming25/50/20
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