State Regulations & Required Automobile Insurance

Virtually all states require that drivers carry a minimum amount of car insurance.* Yet the amount and type of insurance that motorists must purchase varies considerably from state to state. Some states, like Maine and Alaska, require as much as $50,000 coverage for bodily injury of one person, $100,000 for injury to all persons in an accident and $25,000 for property damage (usually written as 50/100/25). Other states require as little as 10/20/10 such as Louisiana and Florida.
*The few states that do not require insurance have, instead, other regulations; often drivers must provide documentation that they can meet their financial obligations in case of an accident, for example. Even in these states most motorists simply carry car insurance.