Auto Car Liability Insurance Requirements and Discounts By State

Auto Car Liability Insurance Requirements and Discounts by State

What is No-Fault Car Insurance?

No-fault car insurance (sometimes referred to as “personal injury protection” or PIP coverage) means that when a driver is involved in a car accident, his or her automobile insurer will pay for certain types of damages, like medical bills and lost earnings (up to certain monetary thresholds), regardless of who was at fault for the accident.

No-fault car insurance is mandatory, or is the preferred option, in about a dozen states. At some level, these states aim to keep car insurance costs low by favoring a no-fault system. No-fault insurance involves something of a tradeoff. On the one hand, the injured person will get some or all of his/her medical bills and lost earnings paid almost automatically (and usually pretty quickly), regardless of who was at fault for the accident.

But the flip side of no-fault is that the injured person is generally not allowed to make a claim against the negligent driver for “non-economic” damages (which includes pain and suffering) unless his or her medical bills reach a certain level, or the injury is deemed sufficiently serious.

Alabama is a “Fault” Car Accident State

The Alabama Mandatory Liability Insurance Law

In Alabama, the state’s Mandatory Liability Insurance law requires vehicle owners to have the following minimum amounts of liability car insurance coverage:

$25,000 for bodily injury liability per person injured in an accident you cause
$50,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
$25,000 for property damage per accident you cause.

Alabama Defensive Driving for Auto Insurance Discount

Alaska is a “Fault” Car Accident State

The Alaska Mandatory Liability Insurance Law

Alaska Statutes section 28.22.101 requires vehicle owners to have the following minimum amounts of liability car insurance coverage:

- $50,000 for bodily injury or death, per person injured/killed in an accident caused by the driver of the vehicle
- $100,000 for total bodily injury or death liability in an accident caused by the driver of the vehicle, and
- $25,000 for property damage per accident caused by the driver of the vehicle.

Alaska Defensive Driving for Auto Insurance Discount

Arizona is a “Fault” Car Accident State

The Arizona Mandatory Liability Insurance Law

Arizona requires that each motor vehicle in operation on the state’s roads be covered by liability insurance through a company authorized to do business in the state. That includes not just cars and trucks, but also golf carts, motorcycles and mopeds. The required minimum amounts of liability car insurance coverage in Arizona are:

$15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$10,000 for property damage per accident caused by the driver of the insured vehicle.

Arizona Defensive Driving for Auto Insurance Discount

Arkansas is a “Fault” Car Accident State

Minimum Liability Car Insurance in Arkansas

Arkansas requires that each motor vehicle in operation on the state’s roads be covered by liability insurance. The required minimum amounts of liability car insurance coverage in Arkansas are:

$25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$25,000 for property damage per accident caused by the driver of the insured vehicle.

Arkansas Defensive Driving for Auto Insurance Discount

California is a “Fault” Car Accident State

Minimum Liability Car Insurance Requirements in California

In order to comply with California’s “financial responsibility” laws, most vehicle owners choose to purchase liability insurance coverage, and state law dictates the minimum amount that vehicle owners must carry.

This liability insurance is meant to compensate other drivers, passengers, or pedestrians who suffer property damage and/or personal injuries in a car accident caused by you (or caused by anyone covered under your liability policy). The minimum amounts of liability coverage required under California law are:

$15,000 for injury or death to one person (another driver, passenger, pedestrian, etc.) in an accident you cause
$30,000 for injury or death to more than one person in an accident you cause, and
$5,000 for damage to property in an accident you cause.

California Traffic School for Auto Insurance Discount

Colorado is a “Fault” Car Accident State

Minimum Liability Car Insurance in Colorado

Colorado requires that each motor vehicle in operation on the state’s roads be covered by liability insurance. The required minimum amounts of liability car insurance coverage in Colorado are:

$25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$15,000 for property damage per accident caused by the driver of the insured vehicle.

Colorado Traffic School for Auto Insurance Discount

Connecticut is a “Fault” Car Accident State

Minimum Auto Insurance Requirements in Connecticut

As touched on above, Connecticut requires drivers and vehicle owners to have the following minimum amounts of liability car insurance coverage:

$25,000 for bodily injury liability per person injured in an accident you cause
$50,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
$25,000 for property damage per accident you cause.

Connecticut Defensive Driving for Auto Insurance Discount

Delaware is a “Fault” Car Accident State

Minimum Auto Insurance Requirements in Delaware

As touched on above, Delaware requires vehicle owners to have the following minimum amounts of liability car insurance coverage:

$25,000 for bodily injury liability per person injured in an accident you cause
$50,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
$10,000 for property damage per accident you cause.

Delaware Defensive Driving for Auto Insurance Discount

Florida is a “No-Fault” Car Accident State

Minimum Car Insurance Coverage Requirements in Florida

In order to register and drive a four-wheeled vehicle in Florida, vehicle owners must carry:

$10,000 in personal injury protection (PIP) benefits, and
$10,000 in property damage liability (PDL) benefits (which kick in if you damage someone else’s vehicle or other property in an accident).

Florida Defensive Driving for Auto Insurance Discount

Georgia is a “Fault” Car Accident State

Minimum Auto Insurance Requirements in Georgia

Georgia requires that the owner of a motor vehicle carry liability insurance on his or her vehicle. The minimum liability coverage you are required to carry in Georgia is:

$25,000 for the injury or death of one person (a passenger, another driver, motorcyclist, or pedestrian) in an accident you cause
$50,000 for total injuries or deaths of more than one person in a single accident you cause, and
$25,000 for property damage resulting from an accident you cause.

Georgia Defensive Driving for Auto Insurance Discount

Hawaii is a “No-Fault” Car Accident State

Minimum Car Insurance Coverage Requirements in Hawaii

Vehicle owners in Hawaii must maintain certain minimum levels of car insurance coverage throughout the period of the vehicle’s registration:

$10,000 in PIP/no-fault coverage (explained above)
$20,000 liability coverage per person/$40,000 per accident (for injuries to others in an accident caused by the policyholder), and
$10,000 liability coverage per occurrence for property damage (resulting from an accident caused by the policyholder; does not cover damage to the policyholder’s own vehicle).

Hawaii Defensive Driving for Auto Insurance Discount

Idaho is a “Fault” Car Accident State

Minimum Liability Car Insurance in Idaho

Unless a vehicle owner wants to post an indemnity bond or take some other rare action in order to comply with Idaho’s motor vehicle financial responsibility laws (which are detailed at Idaho Statutes section 49-1229), the state requires that registered vehicles be covered by liability insurance. The required minimum amounts of liability car insurance coverage in Idaho are:

$25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$15,000 for property damage per accident caused by the driver of the insured vehicle.

Idaho Defensive Driving for Auto Insurance Discount

Illinois is a “Fault” Car Accident State

Illinois “Mandatory Insurance” Laws

Under the state’s “mandatory insurance law,” Illinois requires vehicle owners to carry liability insurance for any vehicle registered in the state. If you’re a vehicle owner in Illinois, the minimum coverage you’re required to carry is:

$25,000 for the injury or death of one person in an accident caused by you
$50,000 total for all injuries or deaths in an accident caused by you, and
$20,000 for damage to the property of another person in an accident caused by you.

Illinois Defensive Driving for Auto Insurance Discount

Indiana is a “Fault” Car Accident State

Minimum Liability Car Insurance in Indiana

In order to comply with Indiana’s motor vehicle financial responsibility laws, drivers are usually required to carry liability car insurance coverage at the following minimums:

$25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$25,000 for property damage per accident caused by the driver of the insured vehicle.

Indiana Traffic School for Auto Insurance Discount

Iowa is a “No-Fault” Car Accident State

$20,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$40,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$15,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Iowa Defensive Driving for Auto Insurance Discount

Minimum Car Insurance Coverage Requirements in Kansas

In order to register and drive a motor vehicle in Kansas, you must carry certain minimum amounts of insurance on it. According to the Kansas Insurance Department, those minimums are as follows.

Liability coverage

$25,000 per person for bodily injury (the maximum amount payable to one person for injuries resulting from an accident caused by the policyholder)
$50,000 per accident for bodily injury (the maximum amount payable to all people injured in an accident caused by the policyholder).
$25,000 per accident for other parties’ vehicle damage and other property loss in an accident caused by the policyholder (does not cover damage to the policyholder’s own vehicle).

Kansas Defensive Driving for Auto Insurance Discount

Car Insurance Requirements in Kentucky

Besides PIP coverage, Kentucky requires vehicle owners to maintain minimum amounts of “liability” car insurance, which applies to injuries and vehicle damage suffered and sustained by others when you’re at fault for an accident. The minimum liability coverage requirements in Kentucky are:

$25,000 for injuries per person, in a single accident you caused
$50,000 total, for all injuries resulting from a single accident you caused, and
$10,000 for property damage resulting from any accident you caused.

Kentucky Defensive Driving for Auto Insurance Discount

Louisiana is a “Fault” Car Accident State

Minimum Liability Car Insurance in Louisiana

The required minimum amounts of liability car insurance coverage in Louisiana are:

$15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
$30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and
$25,000 for property damage per accident caused by the driver of the insured vehicle.

Louisiana Defensive Driving for Auto Insurance Discount

Maine is a “Fault” Car Accident State

Car Insurance Requirements in Maine

The required minimum amounts of liability car insurance coverage in Maine are:

$50,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$100,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Maine Defensive Driving for Auto Insurance Discount

Maryland is a “Fault” Car Accident State

Car Insurance Requirements in Maryland

The required minimum amounts of liability car insurance coverage in Maryland are:

$30,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$60,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$15,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Maryland Defensive Driving for Auto Insurance Discount

Massachusetts is a “Fault” Car Accident State

Minimum Car Insurance Coverage Requirements in Massachusetts

In order to legally drive a motor vehicle in Massachusetts, owners must carry certain minimum amounts of insurance on it:

$20,000 liability coverage for bodily injury per person (when you cause a car accident)
$40,000 total liability bodily injury coverage per accident you cause (regardless of how many people are injured)
$5,000 liability coverage for property damage (per accident you cause)
$8,000 in no-fault (personal injury protection) coverage, and
uninsured motorist coverage (for bodily injury sustained by you or anyone else covered under your policy, if injured by an uninsured or hit-and-run driver) at $20,000 per person/$40,000 total per accident.

Massachusetts Defensive Driving for Auto Insurance Discount

Michigan is a “No-Fault” Car Accident State

Michigan No-Fault and Liability Laws

Michigan no-fault insurance provides “residual liability” protection which “pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy,” according to the Michigan Department of Insurance and Financial Services. In other words, if you’re found legally at fault for a car accident, your no-fault policy will provide the following minimum amounts of coverage (you can pay more for higher limits):

$20,000 per person hurt or killed in an accident
$40,000 per accident in which more than one person is hurt or killed, and
$10,000 per accident for property damage for an accident that occurs in another state.

Michigan Defensive Driving for Auto Insurance Discount

Minnesota is a “No-Fault” Car Accident State

Minimum Car Insurance Coverage Requirements in Minnesota

If you’re a vehicle owner in Minnesota (or even if you’re just storing your car in the state), you must purchase and carry certain minimum amounts and types of car insurance:

$40,000 per person, per accident in no-fault/PIP coverage ($20,000 for medical costs and $20,000 for non-medical costs, like lost wages and replacement services)
$30,000 liability coverage, per person for bodily injuries (after an accident caused by you or a driver covered under your policy)
$60,000 liability coverage per accident for bodily injuries (if more than one person is injured after an accident caused by you or a driver covered under your policy)
$10,000 liability coverage per accident for property damage (after an accident caused by you or a driver covered under your policy)
$25,000 in uninsured motorist coverage, per person for injuries
$50,000 in uninsured motorist coverage per accident for injuries (if more than one person is injured)
$25,000 in under-insured motorist coverage, per person for injuries
$50,000 in under-insured motorist coverage, per accident for injuries (if more than one person is injured)

Minnesota Defensive Driving for Auto Insurance Discount

Mississippi is a “Fault” Car Accident State

Car Insurance Requirements in Mississippi

Under Mississippi’s compulsory automobile liability insurance system, all drivers must maintain liability insurance and carry proof (paper or electronic) that the vehicle is insured. These rules require the following minimum amounts of coverage:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Mississippi Defensive Driving for Auto Insurance Discount

Missouri is a “Fault” Car Accident State

Car Insurance Requirements in Missouri

Missouri requires vehicle owners and drivers to have two types of car insurance coverage: liability coverage and uninsured motorist (UM) coverage.

Liability Coverage

The liability car insurance requirements in Missouri are.

$25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$10,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Missouri Defensive Driving for Auto Insurance Discount

Montana is a “Fault” Car Accident State

Car Insurance Requirements in Montana

Montana Code Annotated section 61-6-103 requires that any motor vehicle operated on public roads be insured by a liability insurance policy that meets the following minimum coverage limits:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$20,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Montana Defensive Driving for Auto Insurance Discount

Nebraska is a “Fault” Car Accident State

Car Insurance Requirements in Nebraska

In Nebraska, “proof of financial responsibility” must be carried in all motor vehicles registered in the state. This can be proof of a bond or certificate of deposit (typically in the amount of $75,000) or, for most vehicle owners, a certificate of insurance showing liability coverage at the following minimums:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Nebraska Defensive Driving for Auto Insurance Discount

Nevada is a “Fault” Car Accident State

Car Insurance Requirements in Nevada

Nevada requires vehicle owners to carry liability auto insurance that meets at least the following minimums:

$25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$20,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Nevada Defensive Driving for Auto Insurance Discount

Car Insurance Is Not Required in New Hampshire

New Hampshire’s Motor Vehicle Financial Responsibility Requirements do not require you to buy car insurance, but under these rules you must be able to pay for losses arising from a car accident you cause. If you choose to purchase liability coverage, it must meet the following minimums:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

New Hampshire Defensive Driving for Auto Insurance Discount

No-Fault Car Insurance in New Jersey

“Basic” Car Insurance Coverage in New Jersey

New Jersey drivers are required to carry at least a “Basic Policy,” which includes:

$5,000 in Property Damage Liability coverage (which applies if you cause damage to someone else’s vehicle or other property; note that this coverage does not apply to damage to your own vehicle), and
$15,000 in Personal Injury Protection coverage, per person, per accident (covers injuries suffered by you or anyone else entitled to PIP under your policy; actually allows up to $250,000 for certain serious injuries, such as permanent/significant brain or spinal cord injuries, or disfigurement).

New Jersey Defensive Driving for Auto Insurance Discount

New Mexico is a “Fault” Car Accident State

Car Insurance Requirements in New Mexico

New Mexico makes the purchase of liability car insurance coverage mandatory. The required minimum amounts of coverage in New Mexico are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$10,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

New Mexico Defensive Driving for Auto Insurance Discount

No-Fault Car Insurance in New York

Minimum Car Insurance Coverage Requirements in New York

In order to drive a motor vehicle in New York, vehicle owners must carry certain minimum amounts of insurance on it:

$25,000 liability coverage for bodily injury per person (when you cause a car accident)
$50,000 total liability bodily injury coverage per accident you cause (regardless of how many people are injured)
$10,000 liability coverage for property damage (per accident you cause)
$50,000 in no-fault (personal injury protection) coverage, and
uninsured motorist coverage (for bodily injury sustained by you) subject to these same minimums.

New York Defensive Driving for Auto Insurance Discount

North Carolina is a “Fault” Car Accident State

Liability Car Insurance Minimums in North Carolina

If you’re buying car insurance in North Carolina, the law requires you to have the following minimum amounts of liability car insurance coverage:

$30,000 for bodily injury liability per person injured in an accident you cause
$60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
$25,000 for property damage per accident you cause.

North Carolina Defensive Driving for Auto Insurance Discount

Minimum Car Insurance Coverage Requirements in North Dakota

In order to register and drive a motor vehicle in North Dakota, you must carry certain minimum amounts of insurance on it. According to the North Dakota Insurance Department, those minimums are as follows.

Bodily injury liability: $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured) in an accident caused by you.

Property damage liability: $25,000 per accident for vehicle damage and other property loss in an accident caused by you (does not cover damage to your vehicle).

Uninsured motorist coverage: $25,000 per person/ $50,000 per accident. (Underinsured motorist coverage must be equal to the uninsured motorist coverage amount). Learn more about uninsured and underinsured motorist coverage.

Basic no-fault/PIP: $30,000 per person.

North Dakota Defensive Driving for Auto Insurance Discount

Ohio is a “Fault” Car Accident State

Ohio’s Financial Responsibility Laws and Liability Car Insurance

Ohio requires drivers to show financial responsibility for any potential car accident, by purchasing a bond, posting collateral, or buying liability car insurance.

If you choose to buy liability car insurance, as most Ohio drivers do, the minimum requirements for coverage are:

$25,000 for the injury or death of one person (a passenger, another driver, pedestrian, etc.) in an accident you cause
$50,000 total for all injuries or deaths resulting from a single accident you cause, and
$25,000 for any property damage arising out of a single accident you cause.

Ohio Defensive Driving for Auto Insurance Discount

Oklahoma is a “Fault” Car Accident State

Car Insurance Requirements in Oklahoma

The required minimum amounts of liability car insurance coverage in Oklahoma are:

$25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Oklahoma Defensive Driving for Auto Insurance Discount

Oregon is a “Fault” Car Accident State

Car Insurance Requirements in Oregon

The required minimum amounts of car insurance coverage in Oregon are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle
$15,000 in personal injury protection coverage, per person, and
uninsured motorist coverage of $25,000 per person and $50,000 total per accident.

Oregon Defensive Driving for Auto Insurance Discount

No-Fault Car Insurance in Pennsylvania

Minimum Car Insurance Coverage Requirements in Pennsylvania

In order to drive a motor vehicle in Pennsylvania, vehicle owners must carry certain minimum amounts of insurance on it:

$5,000 in “medical benefits” coverage, which pays your medical bills (or the medical bills of anyone else who is covered under the terms of your policy) after an accident, regardless of who was at fault
$15,000 for bodily injury liability, per injured person (when you cause an accident)
$30,000 total bodily injury liability per accident (when you’re at fault), and
$5,000 per occurrence property damage protection (when you’re at fault).

Pennsylvania Defensive Driving for Auto Insurance Discount

Rhode Island is a “Fault” Car Accident State

Car Insurance Requirements in Rhode Island

Rhode Island Law requires every driver and vehicle owner to be financially responsible in the event of a car accident. That makes the purchase of liability car insurance coverage all but mandatory. The required minimum amounts of financial responsibility in Rhode Island are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Rhode Island Defensive Driving for Auto Insurance Discount

South Carolina is a “Fault” Car Accident State

Car Insurance Requirements in South Carolina

In South Carolina, when you apply for or renew a driver’s license, you must certify you are insured by an automobile liability policy, or certify that you do not own a vehicle.

South Carolina requires vehicle owners to carry liability auto insurance that meets at least the following minimums:

$25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
$25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

South Carolina Defensive Driving for Auto Insurance Discount

South Dakota is a “Fault” Car Accident State

Car Insurance Requirements in South Dakota

South Dakota makes the purchase of liability car insurance coverage mandatory. The required minimum amounts of coverage in South Dakota are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

South Dakota Defensive Driving for Auto Insurance Discount

Tennessee is a “Fault” Car Accident State

Car Insurance Requirements in Tennessee

As mentioned above, the primary method of complying with the Tennessee Financial Responsibility Law is to purchase liability car insurance coverage. The required minimum amounts of coverage in Tennessee are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$15,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Tennessee Defensive Driving for Auto Insurance Discount

Texas is a “Fault” Car Accident State

Minimum Auto Insurance Requirements for Texas Drivers

As touched on above, Texas requires drivers to demonstrate their financial responsibility in case they cause a car accident on the state’s roads and highways. Most vehicle owners choose to comply with this requirement by purchasing car insurance. If you’re buying car insurance in Texas, the law requires you to have the following minimum amounts of liability car insurance coverage:

$30,000 for bodily injury liability per person injured in an accident you cause
$60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
$25,000 for property damage per accident you cause.Texas Dring for Auto Insurance Discount

Texas Driving Safety for Auto Insurance Discount

No-Fault Car Insurance in Utah

Minimum Car Insurance Coverage Requirements in Utah

Besides the $3,000 in personal injury protection coverage mentioned above, if you’re a vehicle owner in Utah, you must purchase and carry:

$25,000 in liability coverage, per person, for bodily injury after an accident you cause
$65,000 total liability coverage per accident, when more than one person suffers bodily injury after an accident you cause, and
$15,000 per accident for property damage you cause in a car accident.

Utah Defensive Driving for Auto Insurance Discount

Vermont is a “Fault” Car Accident State

Car Insurance Requirements in Vermont

According to the official Vermont Statutes (specifically, 23 V.S.A. section 800), the required minimum amounts of liability car insurance in Vermont are:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$10,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Vermont Defensive Driving for Auto Insurance Discount

Virginia is a “Fault” Car Accident State

Car Insurance Requirements in Virginia

In Virginia, you are not required to carry liability insurance on your vehicle if you pay a $500 Uninsured Motor Vehicle fee to the Virginia Department of Motor Vehicles. Once you pay the fee, you are legally permitted to drive a vehicle in the state without car insurance. But bear in mind that you are not purchasing any form of insurance by paying this fee. If you cause an accident, you will be personally liable for whatever damages you cause. This could add up to thousands of dollars, or more.

If you choose not to pay the fee, you are required to carry the following minimum amounts of liability car insurance coverage in Virginia::

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$20,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Virginia Defensive Driving for Auto Insurance Discount

Washington is a “Fault” Car Accident State

Car Insurance Requirements in Washington

The state of Washington’s mandatory auto insurance law requires anyone driving a motor vehicle in the state to do one of the following:

1. Carry liability insurance limits of at least:

$25,000 for injuries or death to one person in an accident you cause
$50,000 for total injuries or death to all people in an accident you cause, and
$10,000 for damage to anyone else’s property in an accident you cause.

Washington Defensive Driving for Auto Insurance Discount

West Virginia is a “Fault” Car Accident State

Car Insurance Requirements in West Virginia

In West Virginia, all registered motor vehicles must be insured by a liability policy that includes at least the following minimum amounts of coverage:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$25,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

West Virginia Defensive Driving for Auto Insurance Discount

Wisconsin is a “Fault” Car Accident State

Car Insurance Requirements in Wisconsin

All Wisconsin drivers are required to carry automobile insurance or, in rare cases, some other form of financial security (surety bond, personal funds, certificate of self-insurance). Any car insurance policy must include at least the following minimum amounts of coverage:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$10,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Wisconsin Defensive Driving for Auto Insurance Discount

Wyoming is a “Fault” Car Accident State

Car Insurance Requirements in Wyoming

All vehicles in operation in Wyoming must be insured with a liability policy, with at least the following minimum amounts of coverage:

$25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
$50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
$20,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle.

Wyoming Defensive Driving for Auto Insurance Discount

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LOUISIANA, MAINE, MARYLAND, MASSACHUSETTS,

MICHIGAN, MINNESOTA, MISSISSIPPI, MISSOURI, MONTANA,

NEBRASKA, NEVADA, NEW HAMPSHIRE, NEW JERSEY,

NEW MEXICO, NEW YORK, NORTH CAROLINA, NORTH DAKOTA,

OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, RHODE ISLAND,

SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, TEXAS,

UTAH, VERMONT, VIRGINIA, WASHINGTON,

WEST VIRGINIA, WISCONSIN, WYOMING

Senior Citizen Drivers Car/Auto Insurance Discount Course

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ALABAMA, ALASKA, ARIZONA, ARKANSAS, CALIFORNIA, COLORADO,

CONNECTICUT, FLORIDA, GEORGIA, HAWAII,

IDAHO, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY,

LOUISIANA, MAINE, MARYLAND, MASSACHUSETTS,

MICHIGAN, MINNESOTA, MISSISSIPPI, MISSOURI, MONTANA,

NEBRASKA, NEVADA, NEW HAMPSHIRE, NEW JERSEY,

NEW MEXICO, NEW YORK, NORTH CAROLINA, NORTH DAKOTA,

OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, RHODE ISLAND,

SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, TEXAS,

UTAH, VERMONT, VIRGINIA, WASHINGTON,

WEST VIRGINIA, WISCONSIN, WYOMING

Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Defensive Driving Insurance Discount

Defensive Driving Course | Driver Improvement | Accident Prevention | Traffic School | Mature Senior Citizen Driver’s Discount Class | Traffic Safety | Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Insurance Discounts

This defensive driving course is for Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm Car and Auto Insurance Discounts for many states. After completion of this course, you will get a certificate either by mail or direct download (for some states) to forward to your insurance company or agent. See your Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, auto or car insurance policy for additional details. Discounts provided by auto insurance, if any, vary by company and policy.

While a defensive driving class usually costs from $15 to $35, a course that reduces driving points may be more. Check with your Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, insurer or state department of motor vehicles to get the exact cost and where you can take the course, whether in a classroom or online.

Most companies and states will allow you to renew the training (and discount) every (3) three years.

Driver Point Reduction and Removal | CAR AND AUTO INSURANCE Discounts

Defensive Driving for Traffic Violations | Point Reduction and Removal | Auto Insurance Discounts

Can I Get a Car Auto Insurance Discount for Taking a Defensive Driving Online Class?

Answer: Most auto insurance companies do offer a policy premium discount for completion of an approved defensive driving course. Click on your state to learn more….

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Maine

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Ohio

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Washington

West Virginia

Wisconsin

Wyoming

Defensive Driving Course	Length of Course	Online or In-Person	Age Requirements	Cost	May Be Accepted By
Safety Serve	4-6 hours	Online	50 years or older	$39.95	GEICO State Farm Amica
AARP Smart Driver	4 hours	Online or in-person	55 years or older	$19.95 – $24.95	American Family Farmers GEICO Nationwide
AAA Roadwise	6 hours	Online or in-person	55 years or older	$19.95	American Family Farmers GEICO Nationwide
Alive at 25	4.5 hours	In-person	14-24 years	Varies	Liberty Mutual USAA State Farm Travelers
American Safety Council Safe Motorist	8 hours	Online	50 years or older	$12.50	GEICO
B.R.A.K.E.S.	4 hours	In-Person	16-20 (NC), 15-19 (other states)	Free	Liberty Mutual USAA State Farm Travelers

Safety Serve

Safety Serve is an official online defensive driving course of the National Safety Council. The curriculum has helped 75 million drivers improve their traffic safety skills and accomplish an insurance reduction.

You can take the course online on your own schedule, and it takes about four to six hours to complete, depending on your state. Over the course of six sessions, which you can bookmark and return to at any time, you’ll learn driver safety techniques such as avoiding violations, identifying dangerous drivers and conditions, and preventing collisions.

The class is mobile responsive and interactive to make it easy to learn with any device. Upon completion of this driver improvement course, you’ll get a Certificate of Completion in the mail, and you can expect an improvement in your insurance rates at several companies. And if you’re not satisfied, there’s a 100 percent money-back guarantee.

Insurance companies that offer discounts for completion of the Safety Serve driver education course:

State Farm
GEICO
Amica

Cost: $39.95

AARP Smart Driver Course

With this online course designed for seniors ages 55 and older, you can learn evidence-based techniques to become a safer driver. You’ll learn how to avoid distractions, prevent collisions, and cope with age-related effects on your driving, such as medication usage and vision/hearing changes. An evaluation of this course found that 97 percent of participants altered their driving behavior based on what they learned.

You can take this course at your own pace, and you’ll have 60 days to complete it. It takes about four hours to complete, and the course will keep track of your progress so you can finish the curriculum in multiple sittings. You’ll get a certificate of completion after you successfully pass the exam at the end of the course.

If you prefer to take the Smart Driver course in-person, you can check to see if there are classroom locations near you.

You’ll need to contact your insurance provider to make sure the course is accepted in your state, but some insurers that may accept the course include:

American Family
Farmers
GEICO
Nationwide

Cost: $19.95 for AARP members, $24.95 for non-members

AAA Roadwise

This course designed for seniors can be taken in-person or online at your own pace. You’ll have 30 days to access the curriculum, and the course can be completed in about six hours. You’ll get a refresher on traditional rules of the road, up-to-date recommendations based on new research, and other accident prevention strategies.

The class is interactive and user-friendly, and you can complete it in multiple sittings. Once you’re done, you’ll get a certificate of completion in the mail, and depending on your insurance provider, you may also be eligible for discounted premiums. Some providers that may offer discounts for the AAA Roadwise course include:

American Family
GEICO
Nationwide
Farmers

Cost: $19.95

Alive at 25

This in-person course is open to anyone between the ages of 14 and 24. It is designed by the National Safety Council to help young drivers learn to avoid dangerous situations on the road. It is available in the following states:

California
Colorado
Idaho
Kentucky
Maine
Wyoming

In an interactive classroom setting, students learn defensive driving techniques that will help protect them from collisions. More than 400,000 young adults have benefited from the course since 1995, and the nationally recognized program may be able to snag you discounts at the following insurance companies:

Liberty Mutual
State Farm
Travelers
USAA

Cost: Varies

American Safety Council Safe Motorist Course

If you get your car insurance through GEICO and are 50 years or older, the easiest and cheapest way to get a defensive driving discount is to take the American Safety Council Safe Motorist course. The course is eight hours long, but you get access to the online curriculum 24/7, so you can complete the course at your own pace.

You’ll answer some quiz questions in order to pass, and then your certificate of completion will be automatically submitted to GEICO. Eligible drivers will receive a mandatory discount for three years after completing the course, and a refresher course is available as well.

Eligibility requirements can vary by state, and GEICO notes that younger drivers may also be eligible in some locations, so contact GEICO to get the details.

Cost: $12.50

B.R.A.K.E.S.

This free defensive driving course is rumored to be an impressive event for teens and their parents. All teen drivers, even those 18 or older, must have a parent or guardian present. Teen attendees should have at least 30 hours of driving experience under their belts. In addition, you’ll need to submit a $99 deposit to reserve your spot. If you don’t show up, you forfeit the money, but you can request it be returned when you attend, or leave it as a donation.

B.R.A.K.E.S. teaches proactive driving techniques with both a classroom and on-the-road component, so teens will have the opportunity to practice what they learn in cars provided by the program. You’ll receive a certificate of completion at the end of the class.

Insurance companies that offer defensive driving discounts to young drivers include:

Liberty Mutual
State Farm
USAA
Travelers

Call your insurance company to find out if the B.R.A.K.E.S. course will allow you to save on your premiums.

Looking for other car insurance discounts?

Defensive driving discounts aren’t the only way to save. You may be able to snag even bigger discounts for the following:

Good student discounts for drivers who maintain a B average
Safe driving programs that use telematics to track driving behavior
Bundling your auto insurance with another policy, such as your home or renters insurance
Accident-free and violation-free discounts after your driving record remains clean for a certain time period
Equipment-related discounts for motor vehicle safety features
Payment discounts, such as paperless and pay-in-full savings
Discounts for certain membership affiliations

Some of these discounts can save you up to 25 percent, and you’ll be able to combine multiple discounts as long as you’re eligible. That’s why it’s important to take into account all the discounts you qualify for when researching auto insurance quotes.

The Easiest Way to Save Money on Car Insurance

In order to compare car insurance rates apples-to-apples, you’ll need to factor in all the discounts available to you for the coverage you need.

*We are NOT affiliated with Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, nor any other insurance company, their affiliates or agents.

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