- Washington: auto minimum 25/50/10
- Oregon: auto minimum 25/50/20
- Idaho: auto minimum 25/50/15
- Nevada: auto minimum 25/50/20
- Arkansas: auto minimum 25/50/25
- Arizona: auto minimum 25/50/15
- South Dakota: auto minimum 25/50/25
- Pennsylvania: auto minimum 15/30/5
- Texas: auto minimum 30/60/25
- Indiana: auto minimum 25/50/25
| State | Liability minimum (BI per person / per accident / PD) | Other required coverage |
|---|---|---|
| Washington | 25/50/10 | None beyond liability |
| Oregon | 25/50/20 | PIP $15,000; uninsured motorist 25/50 |
| Idaho | 25/50/15 | None beyond liability |
| Nevada | 25/50/20 | None beyond liability |
| Arkansas | 25/50/25 | None beyond liability |
| Arizona | 25/50/15 | None beyond liability |
| South Dakota | 25/50/25 | Uninsured/underinsured motorist 25/50 |
| Pennsylvania | 15/30/5 | First-party medical benefits $5,000 |
| Texas | 30/60/25 | None beyond liability (PIP and UM must be rejected in writing) |
| Indiana | 25/50/25 | None beyond liability |
Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance. Confirm current rules with your state insurance department.
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Last updated October 15, 2026 · How we research