Herramienta de JusticeFinder

Requisitos Mínimos de Seguro de Auto por Estado

Consulta límites mínimos de responsabilidad y coberturas relacionadas por estado. Los mínimos rara vez bastan para una lesión grave.

Read the English version of this tool · Todas las herramientas en español

Explorador por estado

Selecciona un estado para ver mínimos de cobertura y compara con la tabla completa.

Cargando los controles de la calculadora…

Data under review

38 of 51 jurisdictions are fully verified. Rows still under review are listed with a caveat, but their specific deadline/rule/limit values are withheld (shown as “—”) until a final source check.

Elige tu estado

Texas

Texas requires 30/60/25 liability coverage and is an at-fault state.

Source: Tex. Dept. of Insurance / Tex. Transp. Code § 601

Lesiones corporales / persona

$30,000

Lesiones corporales / accidente

$60,000

Daños a la propiedad

$25,000

UM / UIM

must be offered

PIP / no-fault

must be offered

All states & DC

Showing 51 of 51


Alabama	$25,000	$50,000	$25,000	optional	not required	At-fault (tort)
Alaska	$50,000	$100,000	$25,000	must be offered	not required	At-fault (tort)
Arizona	$25,000	$50,000	$15,000	must be offered	not required	At-fault (tort)
Arkansas	$25,000	$50,000	$25,000	must be offered	must be offered	Add-on PIP
Californiaunder review	—	—	—	—	—	—
Colorado	$25,000	$50,000	$15,000	must be offered	not required	At-fault (tort)
Connecticut	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
Delaware	$25,000	$50,000	$10,000	must be offered	required	Add-on PIP
District of Columbiaunder review	—	—	—	—	—	—
Floridaunder review	—	—	—	—	—	—
Georgia	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
Hawaii	$20,000	$40,000	$10,000	must be offered	required ($10k)	No-fault (PIP)
Idaho	$25,000	$50,000	$15,000	optional	not required	At-fault (tort)
Illinois	$25,000	$50,000	$20,000	required	not required	At-fault (tort)
Indiana	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
Iowa	$20,000	$40,000	$15,000	must be offered	not required	At-fault (tort)
Kansas	$25,000	$50,000	$25,000	required	required	No-fault (PIP)
Kentuckyunder review	—	—	—	—	—	—
Louisiana	$15,000	$30,000	$25,000	must be offered	not required	At-fault (tort)
Maineunder review	—	—	—	—	—	—
Maryland	$30,000	$60,000	$15,000	required	required (can waive)	Add-on PIP
Massachusettsunder review	—	—	—	—	—	—
Michiganunder review	—	—	—	—	—	—
Minnesota	$30,000	$60,000	$10,000	required	required ($40k)	No-fault (PIP)
Mississippi	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
Missouri	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
Montana	$25,000	$50,000	$20,000	must be offered	not required	At-fault (tort)
Nebraska	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
Nevada	$25,000	$50,000	$20,000	must be offered	not required	At-fault (tort)
New Hampshireunder review	—	—	—	—	—	—
New Jerseyunder review	—	—	—	—	—	—
New Mexico	$25,000	$50,000	$10,000	must be offered	not required	At-fault (tort)
New York	$25,000	$50,000	$10,000	required	required ($50k)	No-fault (PIP)
North Carolinaunder review	—	—	—	—	—	—
North Dakota	$25,000	$50,000	$25,000	required	required ($30k)	No-fault (PIP)
Ohio	$25,000	$50,000	$25,000	optional	not required	At-fault (tort)
Oklahoma	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
Oregon	$25,000	$50,000	$20,000	required	required ($15k)	Add-on PIP
Pennsylvaniaunder review	—	—	—	—	—	—
Rhode Island	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
South Carolina	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
South Dakota	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
Tennessee	$25,000	$50,000	$25,000	must be offered	not required	At-fault (tort)
Texas	$30,000	$60,000	$25,000	must be offered	must be offered	At-fault (tort)
Utahunder review	—	—	—	—	—	—
Vermont	$25,000	$50,000	$10,000	required	not required	At-fault (tort)
Virginiaunder review	—	—	—	—	—	—
Washington	$25,000	$50,000	$10,000	must be offered	must be offered	At-fault (tort)
West Virginia	$25,000	$50,000	$25,000	required	not required	At-fault (tort)
Wisconsin	$25,000	$50,000	$10,000	required	not required	At-fault (tort)
Wyoming	$25,000	$50,000	$20,000	optional	not required	At-fault (tort)

Cómo usar esta herramienta

Abre la referencia estatal. Recuerda que los valores son resúmenes educativos, no asesoría legal.
Selecciona tu estado. Elige el estado del accidente, la póliza o el reclamo para ver la regla correcta.
Lee la regla y las advertencias. Revisa límites, plazos o sistemas de culpa y cualquier nota de verificación.
Continúa con otra herramienta. Usa calculadoras de plazos, culpa o valuación después de conocer la línea base estatal.

Cómo usar esta herramienta

Selecciona un estado para ver mínimos de cobertura y compara con la tabla completa.

Si la interfaz interactiva muestra algunas etiquetas en inglés, usa esta página en español como guía de cada campo y del significado de los resultados. La lógica del cálculo es la misma que en la versión en inglés.

Aviso importante

Los mínimos cambian y las pólizas reales pueden diferir. Verifica con el departamento de seguros de tu estado.

Usa estas páginas y herramientas para validar el estimado, conservar la evidencia y mantener tu expediente organizado.

Guía

Guía de seguros mínimos

Lee la guía educativa emparejada con esta herramienta.

Hub

Todas las herramientas en español

Explora el catálogo completo de calculadoras y generadores en español.

English