Minimum liability requirements vary by state. North Carolina has the highest minimums at 50/100/100 (updated July 2025). Mississippi, Alabama, and Georgia require 25/50/25. Tennessee requires 25/50/15. Louisiana requires 15/30/25. Florida uniquely requires only PIP ($10,000) and PDL ($10,000) with no bodily injury liability minimum.
Insurance professionals recommend carrying higher limits than the minimum in every state. A single serious accident can easily exceed minimum coverage limits, leaving you personally liable for the difference. Contact Bridgeway Insurance for help choosing appropriate coverage levels.
