What States Is Car Insurance Mandatory? 
As Mr. Harris indicates , car insurance is mandatory in all States . Mandatory auto insurance limits vary by State , however . The specific limits for your State can be found on your particular State 's Insurance Commissioner website or by simply searching the web for auto liability limits , with the name of your State . Limits vary from $ 10,000 / $ 20,000 / $ 10,000 in Florida -LRB- Yikes ! -RRB- to $ 50,000 / $ 100,000 / $ 55,000 in Wisconsin . The first two dollar amounts are for bodily injury from an accident and the third amount is for property damage to others , from that accident . For example : Using Wisconsin limits , In an insured driver 's liability situation , the policy would pay no more than $ 50,000 to any one injured person but no more than $ 100,000 , no matter how many people were injured . So , if three people were injured and two of them received $ 50,000 each , the third injured person would not be collecting from the policy , since the $ 100,000 limit would have been exhausted . As for the property damage to others , the policy would pay no more than $ 55,000 in total to one or more claimants . . 