Car Insurance Minimum State Requirements

The first number refers to the amount needed minimum for each person injured. So NJ auto insurance needs to be at least $15,000 for each person. The second number refers to the minimum amount of coverage needed, that the insurance will pay,for all injured people in an accident. New Jersey car insurance you need $30,000 minimum in coverage.
Let's consider this: If there is a horrible wreck and 4 people are injured, which is very possible, all 4 people go to the hospital and costs are $15,000 each. Only NJ car insurance minimum was purchased. Auto Insurance in New Jersey will pay $15,000 for 2 people Because,the automobile insurance policy purchased will only have a maximum of $30,000. Who pays for the other 2 people? Usually the driver at fault.
Now, you don't need to get just the minimum. You can get a higher amount of coverage. And knowing hospital bills are rediculously high, you might need it. My daughter was airlifted to Children's Hospital in Chicago when she was 6. There is no child discount. With the helicopter and 2 day stay it cost about $40,000. She's fine now, but it ruined that summer. Leg broke in 3 places. Now it is 3 years later and she is doing cartwheels and flips. Got to love hospitals.

I recommend $100,000 Bodily Injury Car insurance coverage for each person and $300,000 total per accident. It may cost more, but it will be worth it. Also remember, Higher Auto insurance deductibles mean Lower monthly Car insurance costs.

Minimum Requirements Auto Insurance Liability Coverage by State�Alaska 50/100/25 �Alabama 25/50/25 �Arkansas 25/50/25 �Arizona 15/30/10 �California 15/30/5 �Colorado 25/50/15 �Connecticut 20/40/10 �Delaware 15/30/10 �Florida 10/20/10 �Georgia 25/50/25 �Hawaii 20/40/10 �Idaho 20/50/15 �Illinois 20/40/15 �Indiana 25/50/10 �Iowa 20/40/15 �Kansas 25/50/10 �Kentucky 25/50/10 �Louisiana 15/30/25 �Maine 50/100/25 �Maryland 30/60/15 �Massachusetts 20/40/5 �Michigan 20/40/10 �Minnesota 30/60/10 �Mississippi 25/50/25 �Missouri 25/50/10 �Montana 25/50/10 �Nebraska 25/50/25 �New Hampshire 25/50/25 �New Jersey 15/30/5 �New Mexico 25/50/10 �Nevada 15/30/10 �New York 25/50/10 �North Carolina 30/60/25 �North Dakota 25/50/25 �Ohio 12.5/25/7.5 �Oklahoma 25/50/25 �Oregon 25/50/20 �Pennsylvania 15/30/5 �Rhode Island 25/50/25 �South Carolina 25/50/25 �South Dakota 25/50/25 �Tennessee 25/50/15 �Texas 30/60/25 �Utah 25/65/15 �Virginia 25/50/20 �Vermont 25/50/10 �Washington 25/50/10 �Wisconsin 50/100/55 �West Virginia 20/40/10 �Wyoming 25/100/15