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If you’ve taken any time to examine the auto insurance card you’re legally required to carry, you may have noticed your auto insurance numbers. These are a series of digits separated by backslashes. Yours might look something like this: 25/50/25.

You can tell at a glance these auto insurance numbers aren’t a date. What these numbers actually represent is the limits of your coverage. This article will help you understand what these numbers mean and review the minimum auto insurance requirements by state.

Once you’re up to speed on your car insurance numbers, you may decide that your current provider doesn’t cut it when it comes to liability limits. The best car insurance companies can help you find the coverage you need. Enter your zip code above or call our designated quotes team at (844) 246-8209 to start comparing free, personalized insurance quotes.

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Auto Insurance Numbers Overview

No car insurance policy is unlimited, and no insurance company will pay any amount on a claim. Auto insurance numbers are used to describe liability coverage limits uninsured motorist coverage limits.

Liability Car Insurance Numbers

Liability insurance is used to protect you from legal liability if you are found at fault for an accident. A liability policy will help to pay for the other driver’s property damage and medical bills that result from an accident that you caused. While liability insurance does not usually come with a deductible, it does have a payout ceiling. But even that ceiling is not one set number. Instead, there are three separate payout limits:

  • The maximum amount a provider will pay to cover the injuries for an individual
  • The maximum amount a provider will pay to cover the injuries of all individuals in the accident
  • The maximum amount a provider will pay to cover property damage

Auto insurance numbers reflect these three categories in the order listed above on a per accident basis. The numbers are written in the thousands. That means a liability policy with limits of 20/40/15 would break down as follows:

  • $20,000 maximum payout for bodily injury per person
  • $40,000 maximum payout for bodily injury per accident
  • $15,000 maximum payout for property damage

Uninsured Motorist Auto Insurance Numbers

Uninsured motorist coverage (UIM) is used to pay for your vehicle damages and medical expenses if you get into an accident with another driver who is uninsured. If the other driver is at fault and does not have insurance, UIM will make sure you are covered.

Auto insurance numbers for uninsured motorist coverage work much the same way that they do for liability insurance. One exception is that sometimes uninsured motorist coverage does not include property damage reimbursement. In these cases, there are only two numbers. So an uninsured motorist policy with the auto insurance numbers of 25/50 would indicate:

  • $25,000 maximum payout for bodily injury per person
  • $50,000 maximum payout for bodily injury per accident

Minimum Auto Insurance Requirements By State

If you look up your state’s minimum car insurance requirements, you will almost always see a set of auto insurance numbers for liability coverage. Your state may also require UM and medical coverage.

These auto insurance numbers don’t mean that you shouldn’t purchase more coverage. State minimums are what is required by law, but it’s often a good idea to get more than the minimum and extra types of coverage like collision and comprehensive insurance. That way, you can ensure you’re covered no matter what type of accident you get into.

StateMinimum Insurance Requirement
Alabama25/50/25 liability
Alaska50/100/25 liability
Arizona15/30/10 liability
Arkansas25/50/25 liability
California15/30/5 liability
Colorado25/50/15 liability
Connecticut25/50/25 liability 25/50 uninsured motorist
Delaware25/50/10 liability
District of Columbia25/50/10 liability 20/50/5 uninsured motorist
Florida$10,000 property damage liability $10,000 personal injury protection
Georgia25/50/25 liability
Hawaii20/50/10 liability $10,000 personal injury protection
Idaho25/50/15 liability
Illinois25/50/20 liability 25/50 uninsured motorist
Indiana25/50/25 liability
Iowa20/40/15 liability
Kansas25/50/25 liability 25/50 uninsured motorist Personal injury protection
Kentucky25/50/25 liability $10,000 personal injury protection
Louisiana15/30/25 liability
Maine50/100/25 liability 50/100 uninsured motorist $2,000 medical payments
Maryland30/60/15 liability
Massachusetts20/40/5 liability 20/40 uninsured motorist $8,000 personal injury protection
Michigan20/40/10 liability
Minnesota30/60/10 liability 25/50 uninsured motorist $40,000 personal injury protection
Mississippi25/50/25 liability 25/50 uninsured motorist
Montana25/50/20 liability
Nebraska25/50/25 liability 25/50 uninsured motorist
Nevada25/50/20 liability
New HampshireNo required insurance
New Jersey15/30/5 liability $15,000 uninsured motorist
New Mexico25/50/10 liability
New York25/50/10 liability 50/10 death liability 25/50 uninsured motorist $50,000 personal injury protection
North Carolina30/60/25 liability 30/60/25 uninsured motorist
North Dakota25/50/25 liability 25/50 uninsured motorist $30,000 personal injury protection
Ohio25/50/25 liability
Oklahoma25/50/25 liability
Oregon25/50/20 liability 25/50 uninsured motorist $15,000 personal injury protection
Pennsylvania15/30/5 liability $5,000 medical benefits
Rhode Island25/50/25 liability
South Carolina25/50/25 liability 25/50/25 uninsured motorist
South Dakota25/50/25 liability 25/50 uninsured motorist
Tennessee25/50/15 liability
Texas30/60/25 liability
Utah25/65/15 liability $3,000 personal injury protection
VirginiaNo required insurance, but you must prove you have the ability to pay 25/50/20 in damages
Vermont25/50/10 liability 50/100/10 uninsured motorist
Washington25/50/10 liability
West Virginia20/50/25 liability $25K uninsured motorist
Wisconsin25/50/10 liability 25/50 uninsured motorist
Wyoming25/50/20 liability

Our Recommendations For Car Insurance

If you’re looking for more coverage or want to compare rates between providers, there are a few car insurance companies we recommend. USAA and Geico scored highest in our industry-wide review for comprehensive coverage, low rates, and excellent customer service.

Enter your zip code below or call (844) 246-8209 to get free quotes from providers in your area.

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

Best For Military: USAA

USAA was founded as a mutual self-insurance collective in 1922. Since then, it has become one of the largest corporations in the U.S. Originally started by military officers, USAA continues to offer insurance and banking products exclusively to military service members and their families. USAA is the only provider that we rated a full 4.8 stars out of 5.0 stars in our review.

The company is highly rated by customers and industry experts too. It has an A++ financial strength rating from AM Best and scored high (“among the best”) in every region in J.D. Power’s 2021 U.S. Auto Insurance StudySM. This shows that customer satisfaction is high across the country.

Learn more about coverage in our complete USAA insurance review.

Best Discount Availability: Geico

We rated Geico 4.6 out of 5.0 stars because of its extensive coverage and customer service record. It has an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau.

One reason that Geico auto insurance is cheap for so many customers is that the company offers a wide range of discounts, including:

  • Good driver discount
  • Defensive driver discount
  • Military discount
  • Federal employee discount
  • Good student discount
  • Multiple vehicle discount
  • Multiple policy discount
  • Discounts for airbags, anti-lock brakes, and anti-theft devices

Read our Geico review to find out more about coverage and discounts.

FAQ About Auto Insurance Numbers

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.