Commercial auto requirements by state

State minimum liability limits (bodily injury per person / per accident / property damage, in thousands). Interstate for-hire carriers must meet the higher federal FMCSA minimums instead.

Alabama 25/50/25 Alaska 50/100/25 Arizona 25/50/15 Arkansas 25/50/25 California 30/60/15 Colorado 25/50/15 Connecticut 25/50/25 Delaware 25/50/10 District of Columbia 25/50/10 Florida No BI required · $10k PD Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 25/50/20 Indiana 25/50/25 Iowa 20/40/15 Kansas 25/50/25 Kentucky 25/50/25 Louisiana 15/30/25 Maine 50/100/25 Maryland 30/60/15 Massachusetts 25/50/30 Michigan 50/100/10 Minnesota 30/60/10 Mississippi 25/50/25 Missouri 25/50/25 Montana 25/50/20 Nebraska 25/50/25 Nevada 25/50/20 New Hampshire 25/50/25 New Jersey 35/70/25 New Mexico 25/50/10 New York 25/50/10 North Carolina 50/100/50 North Dakota 25/50/25 Ohio 25/50/25 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 25/50/25 Texas 30/60/25 Utah 25/65/15 Vermont 25/50/10 Virginia 50/100/25 Washington 25/50/10 West Virginia 25/50/25 Wisconsin 25/50/10 Wyoming 25/50/20

Limits shown are general statutory minimums as of October 2026 and change periodically. Always confirm with your state DMV or insurance department and a licensed agent.