Insurance Q&A: What are state minimum insurance limits? [2021]

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This week's Q&A discusses each state's minimum limit for insurance that we operate in.


What does "State Minimum" mean?

State Minimum Limit insurance is the lowest allowable amount of insurance you are legally allowed to purchase to register a motor vehicle with that state's DMV.


What do the different numbers mean?

Your policy may be what is called "Split Limit", where the amount of insurance is capped at three levels; bodily injury per person, bodily injury per accident and property damage. The other option your policy may contain is called "Combined Single Limit (CSL)", where the policy will pay up to the total limit regardless of how much each one person is hurt or how much property damage occurs.


Florida (FL) Florida's state minimum insurance limit is 10/20/10. This means: Each Person's Bodily Injury is capped at $10,000

The total Bodily Injury payable for the entire accident is capped at $20,000 The Property Damage limit (Cars, houses, signs etc.) is $10,000

New York (NY) New York's state minimum insurance limit is 25/50/10. This means: Each Person's Bodily Injury is capped at $25,000

The total Bodily Injury payable for the entire accident is capped at $50,000 The Property Damage limit (Cars, houses, signs etc.) is $10,000


Ohio (OH) Ohio's state minimum insurance limit is 25/50/25. This means: Each Person's Bodily Injury is capped at $25,000

The total Bodily Injury payable for the entire accident is capped at $50,000 The Property Damage limit (Cars, houses, signs etc.) is $25,000


Pennsylvania (PA) Pennsylvania's state minimum insurance limit is15/30/5. This means: Each Person's Bodily Injury is capped at $15,000

The total Bodily Injury payable for the entire accident is capped at $30,000 The Property Damage limit (Cars, houses, signs etc.) is $5,000


South Carolina (SC) South Carolina's state minimum insurance limit is 25/50/25. This means: Each Person's Bodily Injury is capped at $25,000

The total Bodily Injury payable for the entire accident is capped at $50,000 The Property Damage limit (Cars, houses, signs etc.) is $25,000


Tennessee (TN) Tennessee's state minimum insurance limit is 25/50/15. This means: Each Person's Bodily Injury is capped at $25,000

The total Bodily Injury payable for the entire accident is capped at $50,000 The Property Damage limit (Cars, houses, signs etc.) is $15,000

Virginia (VA) Virginia's state minimum insurance limit is 25/50/20. This means: Each Person's Bodily Injury is capped at $25,000

The total Bodily Injury payable for the entire accident is capped at $50,000 The Property Damage limit (Cars, houses, signs etc.) is $20,000


We never recommend state minimum insurance because it simply is not enough to truly protect you in the event of an accident. Looking to discuss your coverage? Give an independent agent a call. I'll be ready to talk! 1-800-484-9712 Available in NY, PA, TN, VA, OH, SC & FL www.encompassupstate.com

Taylor M Haines is Chief Executive Officer & Principal of the Encompass Agency, Inc., a virtual insurance service based in Buffalo, NY. He holds a Master of Science in HR Development from Buffalo State College (2016). Taylor has been in the insurance business since 2012 and writes all lines of personal and commercial insurance across five states. He and his wife, Megan, reside in South Buffalo with their children Ada & Dax.

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