Minimum Auto Insurance Requirement

Generally written in shorthand (e.g.: 15/30/5 or 25/50/10), the minimum auto insurance requirements vary by state. But the first two numbers always refer to bodily injury liability limits and the third number refers to the property damage liability limit.

For example, the first two numbers in 25/50/10 mean that in an accident each person injured will receive up to $25,000 with a maximum of $50,000 per accident (If there are multiple people filing claims, and the need is greater than the maximum coverage, whoever files first gets first access to the $50,000 limit. The insured may be sued for any additional amount if he/she is at fault!). The last number refers to the total coverage for property damage per accident, which in this case is $10,000.

The Minimum Auto Insurance Requirement for Leased Vehicles is probably different in your state.