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Motorcycle insurance requirements by state

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?

Alaska20/50/25Yes
Alabama50/100/25Yes
Arkansas25/50/25Yes
Arizona15/30/10Yes
California15/30/5Yes
Colorado25/50/15Yes
Connecticut20/40/10Yes
District of Columbia25/50/10Yes
Delaware15/30/10Yes
Florida10/20/10No
Georgia25/50/25Yes
Hawaii20/40/10Yes
Idaho25/50/15Yes
Illinois20/40/15Yes
Indiana25/50/10Yes
Iowa20/40/15Yes
Kansas25/50/10Yes
Kentucky

25/50/10 or $60,000 single limit

Yes
Louisiana10/20/10Yes
Maine

50/100/25 & $1,000/person

for medical payments

Yes
Maryland20/40/15Yes
Massachusetts20/40/05Yes
Michigan20/40/10Yes
Minnesota30/60/10Yes
Mississippi20/50/25Yes
Missouri25/50/10Yes
Montana25/50/10No
Nebraska25/50/25Yes
New Hampshire25/50/25Yes
New Jersey15/30/5Yes
New Mexico25/50/10Yes
New York25/50/10Yes
Nevada15/30/10Yes
North Carolina30/60/25Yes
North Dakota25/50/25Yes
Ohio12.5/25/7.5Yes
Oklahoma25/50/25Yes
Oregon25/50/10Yes
Pennsylvania15/30/5Yes
Rhode Island

25/50/25

Yes
South Carolina25/50/25Yes
South Dakota25/50/25Yes
Tennessee

25/50/15

Yes
Texas25/50/25Yes
Utah

25/65/15 or $65,000 single

limit

Yes
Vermont20/50/10Yes
Virginia25/50/20Yes
Washington25/50/10No
West Virginia20/40/10Yes
Wisconsin25/50/10Yes
Wyoming25/50/20Yes

Source:

Insurance Information Institute, 2009

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