Is Uninsured Auto Insurance Required in Some States?

January 3, 2011

Almost half of states make uninsured auto insurance a requirement. Specific provisions and minimum coverage amounts vary across jurisdictions. According to the Auto Insurance Finder website, some of the states that require coverage include Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Missouri, New Jersey, North Carolina, Oregon, South Dakota, Vermont, Virginia, West Virginia and Wisconsin. Often the state mandates minimum per-person and per-accident coverage as well. A common mandated minimum is $25,000 per person and $50,000 per accident. Many states that don't mandate uninsured motorist coverage do require insurance companies to offer the option to their policy holders. Laws are subject to change, so verify requirements with your state department of motor vehicles, department of insurance or your insurance company.