There are generally a few numbers listed on your auto insurance card.

 

 

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 below or call our designated quotes team at (855) 518-0148 to start comparing free, personalized insurance quotes.

 

In this article:

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.

State Minimum Insurance Requirement
Alabama 25/50/25 liability
Alaska 50/100/25 liability
Arizona 15/30/10 liability
Arkansas 25/50/25 liability
California 15/30/5 liability
Colorado 25/50/15 liability
Connecticut 25/50/25 liability
25/50 uninsured motorist
Delaware 25/50/10 liability
District of Columbia 25/50/10 liability
20/50/5 uninsured motorist
Florida $10,000 property damage liability
$10,000 personal injury protection
Georgia 25/50/25 liability
Hawaii 20/50/10 liability
$10,000 personal injury protection
Idaho 25/50/15 liability
Illinois 25/50/20 liability
25/50 uninsured motorist
Indiana 25/50/25 liability
Iowa 20/40/15 liability
Kansas 25/50/25 liability
25/50 uninsured motorist
Personal injury protection
Kentucky 25/50/25 liability
$10,000 personal injury protection
Louisiana 15/30/25 liability
Maine 50/100/25 liability
50/100 uninsured motorist
$2,000 medical payments
Maryland 30/60/15 liability
Massachusetts 20/40/5 liability
20/40 uninsured motorist
$8,000 personal injury protection
Michigan 20/40/10 liability
Minnesota 30/60/10 liability
25/50 uninsured motorist
$40,000 personal injury protection
Mississippi 25/50/25 liability
25/50 uninsured motorist
Montana 25/50/20 liability
Nebraska 25/50/25 liability
25/50 uninsured motorist
Nevada 25/50/20 liability
New Hampshire No required insurance
New Jersey 15/30/5 liability
$15,000 uninsured motorist
New Mexico 25/50/10 liability
New York 25/50/10 liability
50/10 death liability
25/50 uninsured motorist
$50,000 personal injury protection
North Carolina 30/60/25 liability
30/60/25 uninsured motorist
North Dakota 25/50/25 liability
25/50 uninsured motorist
$30,000 personal injury protection
Ohio 25/50/25 liability
Oklahoma 25/50/25 liability
Oregon 25/50/20 liability
25/50 uninsured motorist
$15,000 personal injury protection
Pennsylvania 15/30/5 liability
$5,000 medical benefits
Rhode Island 25/50/25 liability
South Carolina 25/50/25 liability
25/50/25 uninsured motorist
South Dakota 25/50/25 liability
25/50 uninsured motorist
Tennessee 25/50/15 liability
Texas 30/60/25 liability
Utah 25/65/15 liability
$3,000 personal injury protection
Virginia No required insurance, but you must prove you have the ability to pay 25/50/20 in damages
Vermont 25/50/10 liability
50/100/10 uninsured motorist
Washington 25/50/10 liability
West Virginia 20/50/25 liability
$25K uninsured motorist
Wisconsin 25/50/10 liability
25/50 uninsured motorist
Wyoming 25/50/20 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 (855) 518-0148 to get free quotes from providers in your area.

 

Best For Military: USAA

USAA Insurance logo

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 5.0 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 a full 5 out of 5 (“among the best”) in every region in J.D. Power’s 2019 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 Overall: Geico

Geico Insurance logo

Geico is our highest-rated provider that is available to everyone. We rated Geico 4.5 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: Auto Insurance Numbers

What do the numbers 25/50/25 in auto insurance mean?

The numbers on your auto insurance policy represent your coverage limits. This is the maximum amount that your insurer will pay out for a claim. The numbers 25/50/25 indicate: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.


What do the numbers 50/100/20 represent in an insurance policy?

The numbers 50/100/20 represent your policy coverage limits. If you have this amount of car insurance coverage, your insurance company will pay for $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident, and $20,000 in property damage liability.


What does 100/300/50 represent on an insurance policy?

The numbers 100/300/50 represent your policy coverage limits. If you have these auto insurance numbers, your insurance company will pay for $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident, and $50,000 in property damage liability.