Car Insurance Motorcycle insurance requirements by state Written by: Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. | Reviewed by: Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on December 7, 2009 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. In general, requirements for motorcycle insurance mirror requirements for car insurance. But that’s not the case in every state. How to read the liability limits below: The first number is the bodily injury liability maximum for one person injured in an accident. The second number is the bodily injury liability maximum for all injuries in one accident. And the third number is the property-damage liability maximum for one accident. So, in Alabama, the minimum liability limits are $50,000 for bodily injury liability for one person in an accident, $100,000 for property damage, and $25,000 for personal injury protection in an accident. State Minimum liability limits Motorcycle insurance required? Alaska 20/50/25 Yes Alabama 50/100/25 Yes Arkansas 25/50/25 Yes Arizona 15/30/10 Yes California 15/30/5 Yes Colorado 25/50/15 Yes Connecticut 20/40/10 Yes District of Columbia 25/50/10 Yes Delaware 15/30/10 Yes Florida 10/20/10 No Georgia 25/50/25 Yes Hawaii 20/40/10 Yes Idaho 25/50/15 Yes Illinois 20/40/15 Yes Indiana 25/50/10 Yes Iowa 20/40/15 Yes Kansas 25/50/10 Yes Kentucky 25/50/10 or $60,000 single limit Yes Louisiana 10/20/10 Yes Maine 50/100/25 & $1,000/person for medical payments Yes Maryland 20/40/15 Yes Massachusetts 20/40/05 Yes Michigan 20/40/10 Yes Minnesota 30/60/10 Yes Mississippi 20/50/25 Yes Missouri 25/50/10 Yes Montana 25/50/10 No Nebraska 25/50/25 Yes New Hampshire 25/50/25 Yes New Jersey 15/30/5 Yes New Mexico 25/50/10 Yes New York 25/50/10 Yes Nevada 15/30/10 Yes North Carolina 30/60/25 Yes North Dakota 25/50/25 Yes Ohio 12.5/25/7.5 Yes Oklahoma 25/50/25 Yes Oregon 25/50/10 Yes Pennsylvania 15/30/5 Yes Rhode Island 25/50/25 Yes South Carolina 25/50/25 Yes South Dakota 25/50/25 Yes Tennessee 25/50/15 Yes Texas 25/50/25 Yes Utah 25/65/15 or $65,000 single limit Yes Vermont 20/50/10 Yes Virginia 25/50/20 Yes Washington 25/50/10 No West Virginia 20/40/10 Yes Wisconsin 25/50/10 Yes Wyoming 25/50/20 Yes Source: Insurance Information Institute, 2009 Related Articles More auto insurance stories Auto insurance basics See Insure.com’s Best Car Insurance Companies Michelle MegnaContributor . .Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? How much does car insurance cost for seniors? A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read actually understand your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes