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Third number: Property damage liability maximum for one accident. For example, if you live in California, the minimum liability limits are $15,000 for injury liability for one person, $30,000 for all injuries and $5,000 for property damage in an accident. State by state insurance minimum requirements in thousands2: Alaska: 50/100/25. Alabama: 25/50/25.
California, for instance, requires drivers to buy coverage for just $15,000 in injuries per person and $30,000 per accident, plus $5,000 in property damage. Maine and Alaska, on the other hand, require bodily injury liability of $50,000 per person and $100,000 per accident, plus $25,000 in property damage. But state requirements arenât coverage recommendations â theyâre just the minimum you must buy to drive legally.