Bodily Injury, Property Damage, and Other Car Insurance Coverage Limits By State
This simple infographic by Zimlon shows the minimum liability limits for car insurance by state. The limits are grouped by bodily injury (BI) and property damage (PD).
Bodily injury refers to any injury suffered by individuals inside an automobile because of an accident. The first figure represents the liability limit for BI for a single individual inside the car during the accident. The second figure represents the liability limit for bodily injury caused to multiple individuals inside the automobile during an accident. PD refers to the cost of damage caused to property by the automobile in the course of an accident.
The first two numbers indicate BI, and the third number represents PD. So 30/50/10 translates to $30,000 for bodily injury to a single person, $50,000 for bodily injury suffered by all individuals inside the automobile, and $10,000 represents property damage caused by the automobile.
Alaska and Maine have the highest coverage levels at $50,000 for bodily damage suffered by a single individual. The coverage for bodily injury suffered by multiple individuals is the lowest in Florida at $20,000, whereas it is the highest in Alaska and Maine at $100,000. Pennsylvania, Massachusetts, California, and New Jersey have the lowest coverage for damages incurred to property at $5,000 while Maine and Kentucky have the highest at $50,000 each.