Motocycle Insurance – Minimum Liability Laws by State

motorcycle-rider-insurance

Most states require motorcycle owners to buy a minimum amount of bodily injury and property damage Liability Insurance before they can legally drive their motorcycles. The chart below indicates each state’s motorcycle insurance requirement and liability minimums and maximums. The first number indicates the bodily injury liability maximum for one person injured in an accident. The second number indicates bodily injury liability maximum for all injuries in one accident. The third number is the property damage liability maximum for one accident.

Florida Minimums

  • Bodily Injury Liability – $10,000 per person
  • Bodily Injury Liability – $20,000 per incident
  • Property Damage Liability – $10,000 per incident
  • Personal Injury Protection (PIP) – not required in Florida (but is available)

State by State

STATEMINIMUM LIABILITY LIMITS (in thousands)MOTORCYCLE INSURANCE REQUIRED
Alabama25/50/25Yes
Alaska50/100/25Yes
Arizona15/30/10Yes
Arkansas25/50/25Yes
California15/30/5Yes
Colorado25/50/15Yes
Connecticut20/40/10Yes
Delaware15/30/10Yes
District of Columbia25/50/10 and 25/50/5 for uninsured motorist coverageYes
Florida10/20/10No
Georgia25/50/25Yes
Hawaii20/40/10Yes
Idaho25/50/15Yes
Illinois25/50/20Yes
Indiana25/50/10Yes
IowaMust have proof of financial responsibilityNo
Kansas25/50/10Yes
Kentucky25/50/10Yes
Louisiana15/30/25Yes
Maine50/100/25Yes
Maryland30/60/15Yes
Massachusetts20/40/5Yes
Michigan20/40/10Yes
Minnesota30/60/10 and 25/50 for uninsured and underinsured motorists coverageYes
Mississippi25/50/25Yes
Missouri25/50/10Yes
Montana25/50/10No
Nebraska25/50/25Yes
Nevada15/30/10Yes
New Hampshire25/50/25Yes
New Jersey15/30/5Yes
New Mexico25/50/10Yes
New York25/50/10 and 50/100 for death and for death if there are multiple fatalities in an accident 

Yes

North Carolina30/60/25Yes
North Dakota25/50/25Yes
Ohio25/50/25Yes
Oklahoma25/50/25Yes
Oregon25/50/20 and 25/50 for uninsured motorist coverageYes
Pennsylvania15/30/5Yes
Rhode Island25/50/25Yes
South Carolina25/50/25Yes
South Dakota25/50/25Yes
Tennessee25/50/15Yes
Texas30/60/25Yes
Utah25/65/15Yes
Vermont25/50/10Yes
Virginia25/50/20Yes
Washington25/50/10No
West Virginia25/50/25Yes
Wisconsin25/50/10Yes
Wyoming25/50/20Yes

Sources: Insurance Institute for Highway Safety and National Highway Traffic Safety Administration. Legislation is continually changing. Therefore, this information is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact appropriate legal counsel for advice.


This information is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice.  Should you have any questions or would like to discuss your risk exposure with your motorcycle insurance, please contact the insurance pros at ARCW Insurance.  We are here to help.