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In general, requirements for motorcycle insurance mirror requirements for car insurance. But that’s not the case in every state.
How to read the liability limits below: The first number is the bodily injury liability maximum for one person injured in an accident. The second number is the bodily injury liability maximum for all injuries in one accident. And the third number is the property-damage liability maximum for one accident. So, in Alabama, the minimum liability limits are $50,000 for bodily injury liability for one person in an accident, $100,000 for property damage, and $25,000 for personal injury protection in an accident.
| State | Minimum liability limits | Motorcycle insurance required? |
|---|---|---|
| Alaska | 20/50/25 | Yes |
| Alabama | 50/100/25 | Yes |
| Arkansas | 25/50/25 | Yes |
| Arizona | 15/30/10 | Yes |
| California | 15/30/5 | Yes |
| Colorado | 25/50/15 | Yes |
| Connecticut | 20/40/10 | Yes |
| District of Columbia | 25/50/10 | Yes |
| Delaware | 15/30/10 | Yes |
| Florida | 10/20/10 | No |
| Georgia | 25/50/25 | Yes |
| Hawaii | 20/40/10 | Yes |
| Idaho | 25/50/15 | Yes |
| Illinois | 20/40/15 | Yes |
| Indiana | 25/50/10 | Yes |
| Iowa | 20/40/15 | Yes |
| Kansas | 25/50/10 | Yes |
| Kentucky | 25/50/10 or $60,000 single limit | Yes |
| Louisiana | 10/20/10 | Yes |
| Maine | 50/100/25 & $1,000/person for medical payments | Yes |
| Maryland | 20/40/15 | Yes |
| Massachusetts | 20/40/05 | Yes |
| Michigan | 20/40/10 | Yes |
| Minnesota | 30/60/10 | Yes |
| Mississippi | 20/50/25 | Yes |
| Missouri | 25/50/10 | Yes |
| Montana | 25/50/10 | No |
| Nebraska | 25/50/25 | Yes |
| New Hampshire | 25/50/25 | Yes |
| New Jersey | 15/30/5 | Yes |
| New Mexico | 25/50/10 | Yes |
| New York | 25/50/10 | Yes |
| Nevada | 15/30/10 | Yes |
| North Carolina | 30/60/25 | Yes |
| North Dakota | 25/50/25 | Yes |
| Ohio | 12.5/25/7.5 | Yes |
| Oklahoma | 25/50/25 | Yes |
| Oregon | 25/50/10 | Yes |
| Pennsylvania | 15/30/5 | Yes |
| Rhode Island | 25/50/25 | Yes |
| South Carolina | 25/50/25 | Yes |
| South Dakota | 25/50/25 | Yes |
| Tennessee | 25/50/15 | Yes |
| Texas | 25/50/25 | Yes |
| Utah | 25/65/15 or $65,000 single limit | Yes |
| Vermont | 20/50/10 | Yes |
| Virginia | 25/50/20 | Yes |
| Washington | 25/50/10 | No |
| West Virginia | 20/40/10 | Yes |
| Wisconsin | 25/50/10 | Yes |
| Wyoming | 25/50/20 | Yes |
| Source: Insurance Information Institute, 2009 | ||
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