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Usaa car insurance coverage in canada

Read the Spanish version: Requisitos mínimos del seguro automotor

Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

The minimum limits your state requires, however, may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).

How to read auto insurance liability limits

Here's how to read auto insurance liability minimums:

  1. First number: Bodily injury liability maximum for one person injured in an accident.
  2. Second number: Bodily injury liability maximum for all injuries in one accident.
  3. Third number: Property damage liability maximum for one accident.

For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident (written as 25/50/10). Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist bodily injury coverage (UM).

UM, what?

Here's your guide to the car insurance acronyms in the chart below.

  • UM = Uninsured motorist coverage.
  • UIM = Underinsured motorist coverage.
  • UM BI: Uninsured motorist bodily injury coverage.
  • UMPD: Uninsured motorist property damage coverage.
  • PIP: Personal injury protection.
  • PPI: Property protection insurance (Michigan).
  • BI liability: Bodily injury liability.

Car insurance requirements by state

State Minimum auto insurance limits
Alabama Liability: 25/50/25
Alaska Liability: 50/100/25
Arizona Liability: 15/30/10
Arkansas Liability: 25/50/25
California Liability: 15/30/5
Colorado Liability: 25/50/15
Connecticut Liability: 20/40/10
UM/UIM BI: 20/40
Delaware Liability: 15/30/10
PIP: 15/30
District of Columbia Liability: 25/50/10
UM BI: 25/50
UMPD: $5,000

Liability: 10/20/10
PIP: $10,000
BI liability not required by Florida

but many carriers require 10/20

Georgia Liability: 25/50/25
Hawaii Liability: 20/40/10
PIP or PPO: $10,000
Idaho Liability: 25/50/15
Illinois Liability: 25/50/20
UM BI: 25/50
Indiana Liability: 25/50/10
Iowa Liability: 20/40/15
Kansas Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $4,500 medical/$900 work loss
Kentucky Liability: 25/50/10
PIP: $10,000
Louisiana Liability: 15/30/25
Maine Liability: 50/100/25
UM/UIM BI: 50/100
Medical payments: $2,000
Maryland Liability: 30/60/15
UM/UIM BI: 30/60
UMPD: $15,000
PIP $2,500
Massachusetts Liability: 20/40/5
UM/UIM BI: 20/40
PIP: $8,000
Michigan Liability: 20/40/10
PIP: Medical and work loss
PPI: $1,000,000
Minnesota Liability: 30/60/10
UM/UIM BI: 25/50
PIP: $40,000
Mississippi Liability: 25/50/25
Missouri Liability: 25/50/10
UM BI: 25/50
Montana Liability: 25/50/20
Nebraska Liability: 25/50/25
UM/UIM BI: 25/50
Nevada Liability: 15/30/10
New Hampshire* Liability: 25/50/25
UM/UIM BI: 25/50
Medical payments: $1,000
*Insurance not mandatory in New Hampshire
New Jersey Liability: 15/30/5 (standard policy)
UM/UIM BI: 15/30
UMPD: $5,000
PIP: $15,000
New Mexico Liability: 25/50/10
New York Liability: 25/50/10
UM BI: 25/50
PIP: $50,000
North Carolina Liability: 30/60/25
UM BI: 30/60
UMPD: $25,000
North Dakota Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $30,000
Ohio Liability: 25/50/25
Oklahoma Liability: 25/50/25
Oregon Liability: 25/50/20
UM BI: 25/50
PIP: $15,000
Pennsylania Liability: 15/30/5
First party benefits (PIP): $5,000
Rhode Island Liability: 25/50/25
South Carolina Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
South Dakota Liability: 25/50/25
UM/UIM BI: 25/50
Tennessee Liability: 25/50/15
Texas Liability: 30/60/25
Utah Liability: 25/65/15
PIP: $3,000
Vermont Liability: 25/50/10
UM/UIM BI: 50/100
UMPD: $10,000
Virginia Liability: 25/50/20
UM/UIM BI: 25/50
UMPD: $20,000
Washington Liability: 25/50/10
West Virginia Liability: 25/50/25
UM BI: 25/50
UMPD: $25,000
Wisconsin Liability: 25/50/10
UM BI: 25/50
Wyoming Liability: 25/50/20

* New Hampshire doesn't require car insurance, but you must be able to show proof of financial responsibility if you're in an accident.

Uninsured and underinsured motorist coverage

A total of 21 states, plus the District of Columbia, require either uninsured motorist (UM) bodily injury coverage by itself or both UM coverage and underinsured motorist bodily injury (UIM) coverage.

Uninsured motorist bodily injury covers medical expenses if you or your passengers are injured by an uninsured driver. Underinsured motorist is triggered when the at-fault party is insured but his insurance limits are too low to pay all of your medical bills.

Uninsured motorist property damage (UMPD) covers damage your car received from an accident with an at-fault uninsured driver. UMPD is required in only eight states.

What is no-fault car insurance?

If your state has a "no-fault" auto insurance law, your auto insurance policy must pay medical bills for you and your passengers regardless of who caused the accident.

Your no-fault coverage -- which is your personal injury protection (PIP) -- may come with a copayment and/or deductible. No-fault coverage applies only to bodily injury claims. If you also have car damage, you would make a claim for the damage against the at-fault party’s property damage liability coverage.

No-fault laws are intended to keep insurance fraud down.

Deciphering auto insurance liability across state lines

If you hold the minimum automobile insurance required in your state and are involved in an accident in another state that requires higher minimum coverages or other coverage (such as personal injury protection), typically your policy will automatically increase to meet that state's minimum coverage requirements.

For example, if you're a Connecticut driver (where minimum liability coverage is $20,000 of bodily injury protection per person, $40,000 of bodily injury protection per accident and $10,000 of property damage per accident, referred to as 20/40/10) and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your auto insurance will automatically extend to meet New York's requirements. This boost can be helpful, especially when you cause a large amount of property damage.

Some states restrict the ability of their citizens to sue one another for pain and suffering after a car accident. Puerto Rico (a U.S. territory) and 12 states have "no-fault" laws:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

These laws mean that your car insurance must pay for bodily injury damages no matter who's at fault in an accident. However, these same states allow their citizens to litigate against folks from other states after a car accident.

For example, you are limited in your ability to sue for damages if you live in Pennsylvania. When buying your auto coverage you have two choices of liability: "full tort" or "limited tort." If you choose "limited tort," you will pay less in premiums but you won't be able to sue another Pennsylvanian for pain and suffering unless you're seriously injured and your medical bills exceed a specified minimum amount. What constitutes a serious injury is outlined in your car insurance policy. If you choose full tort, your premiums will be more but you will be able to sue no matter the amount of your damages.

Throw out the rulebook if someone from another state crashes into you. Even if you have Pennsylvania "limited tort," you'll be able seek compensation for pain and suffering in the court system if someone from outside Pennsylvania crashes into you.

Visit Insure.com's annual ranking of the best car insurance companies to shop for the best pricing on your required insurance coverage.


Required Documents

Proof of U.S. Citizenship

While abroad, you’ll need to have proof of citizenship and ID. This includes:

  • U.S. passport.
  • Passport card.
  • NEXUS card.

Children younger than 16 years old only need to show proof of citizenship, such as a birth certificate.

Proof of Insurance

You may need a current insurance ID card when driving in Canada. In most cases, you’ll need to obtain a Canadian Insurance Card before leaving. Call your insurance company in advance of your trip to:

  • Let them know of your intent to travel to and drive within Canada.
  • Confirm your coverage.
  • Request a Canadian Insurance Card.

You’ll generally need to leave about 5-7 business days for the company to mail the card, so it’s best to call a couple weeks before you leave. The Canadian government will not accept e-mailed or faxed cards.

Keep your current insurance ID card with you at all times while driving in CA.

Valid License

You must have your current state driver’s license with you to prove your eligibility to drive.

Make sure to check the renewal date before you leave so you don’t end up with an expired license while traveling.

If you do need to renew your license, check out our Renewing Your License section to learn how.

Vehicle Registration

When driving your vehicle across the border into Canada, make sure to have your vehicle registration with you.

This will help you prove you aren’t driving a stolen vehicle into the country.

In Case of an Accident

Whether it’s through your insurance company or through a major credit card, your car insurance will cover you in case of an accident.

Simply call your insurance company, go to the claims department on their website, or contact your credit card company and report the accident as you normally would.

NOTE: If you obtain coverage on a rental car through the rental company, make sure you understand the coverage in case of an accident.


Annual CDW & SLI for the Americas including Worldwide Excess Protection America includes Canada, the USA, South and Central America and the Caribbean but excludes Cuba.

Why do I need extra cover in America? Across the pond, car hire companies won’t always include some insurance features you'd usually find in your rental agreement. Customers can be required to purchase additional Collision Damage Waiver (CDW) or Supplementary Liability Insurance (SLI) on top of the price of their hire car. Our USA & Canada policy, not only covers your excess worldwide, it includes CDW and SLI for car hire across America. Happy days. In a nutshell, a collision damage waiver (CDW) covers your liability for damage, loss or theft of the rental vehicle. If you’re hiring a car in Europe CDW is almost certainly included in the price of your rental. In the Americas however, it’s less common to find CDW included and you may be required to purchase this cover as an added extra. Similarly, supplementary liability insurance (SLI) (sometimes referred to as third party cover) may not be included as standard in the Americas. So at insurance4carhire, we've created our Worldwide Plus policy to insure your excess Worldwide + CDW and SLI cover, usually at a lesser cost than you will find at the rental desk. Find out more


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