Liability Requirements Checker Calculator
Frequently Asked Questions
What are the minimum liability requirements by state?
Minimum liability requirements vary by state. California: $15k/$30k/$5k. Texas: $30k/$60k/$25k. Florida: $10k/$20k/$10k. New York: $25k/$50k/$10k. Arizona: $25k/$50k/$15k. Nevada: $25k/$50k/$20k. Most states require minimum BI (bodily injury) and PD (property damage) coverage. Check your state's specific requirements.
What happens if I don't meet state minimum requirements?
Failing to meet state minimum requirements can result in: fines and penalties, license suspension, vehicle registration suspension, legal liability if you cause an accident, and difficulty obtaining insurance in the future. States enforce minimum requirements strictly - you must maintain at least minimum coverage to legally drive.
Should I only get minimum coverage?
No, minimum coverage is often insufficient. State minimums ($15k-$30k BI, $5k-$25k PD) may leave you underinsured in serious accidents where damages exceed your limits. Recommended coverage ($100k/$300k/$50k) provides better protection and is often only 10-20% more expensive than minimum coverage.
How do I know if I meet state requirements?
Check your insurance policy declarations page for coverage limits. Compare your BI per person, BI per accident, and PD limits to your state's minimum requirements. Your insurer should ensure you meet minimums, but verify your policy matches state requirements. Use this tool to check compliance.
