Motocycle Insurance – Minimum Liability Laws by State


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

Alabama 25/50/25 Yes
Alaska 50/100/25 Yes
Arizona 15/30/10 Yes
Arkansas 25/50/25 Yes
California 15/30/5 Yes
Colorado 25/50/15 Yes
Connecticut 20/40/10 Yes
Delaware 15/30/10 Yes
District of Columbia 25/50/10 and 25/50/5 for uninsured motorist coverage Yes
Florida 10/20/10 No
Georgia 25/50/25 Yes
Hawaii 20/40/10 Yes
Idaho 25/50/15 Yes
Illinois 25/50/20 Yes
Indiana 25/50/10 Yes
Iowa Must have proof of financial responsibility No
Kansas 25/50/10 Yes
Kentucky 25/50/10 Yes
Louisiana 15/30/25 Yes
Maine 50/100/25 Yes
Maryland 30/60/15 Yes
Massachusetts 20/40/5 Yes
Michigan 20/40/10 Yes
Minnesota 30/60/10 and 25/50 for uninsured and underinsured motorists coverage Yes
Mississippi 25/50/25 Yes
Missouri 25/50/10 Yes
Montana 25/50/10 No
Nebraska 25/50/25 Yes
Nevada 15/30/10 Yes
New Hampshire 25/50/25 Yes
New Jersey 15/30/5 Yes
New Mexico 25/50/10 Yes
New York 25/50/10 and 50/100 for death and for death if there are multiple fatalities in an accident  


North Carolina 30/60/25 Yes
North Dakota 25/50/25 Yes
Ohio 25/50/25 Yes
Oklahoma 25/50/25 Yes
Oregon 25/50/20 and 25/50 for uninsured motorist coverage 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 30/60/25 Yes
Utah 25/65/15 Yes
Vermont 25/50/10 Yes
Virginia 25/50/20 Yes
Washington 25/50/10 No
West Virginia 25/50/25 Yes
Wisconsin 25/50/10 Yes
Wyoming 25/50/20 Yes

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.