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Commercial auto for auto repair shops
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Required if…
Required if your shop owns or registers vehicles for road use — nearly every state (New Hampshire excepted) requires minimum auto-liability coverage on registered vehicles, normally met with a commercial auto policy.
What it covers for auto repair shops
Liability and physical-damage coverage for vehicles the shop owns or uses in the business — tow trucks, parts runners, customer shuttles, service trucks — with coverage forms that can extend to non-owned and hired autos. Repair shops routinely own road-registered service vehicles and drive customer cars on test drives.
Sources: NAIC — Auto Insurance topic (as of 2025-09-26, retrieved 2026-06-06) · California Department of Insurance — Commercial Insurance Guide (retrieved 2026-06-06)
Auto-liability minimums by state
Every state's minimum auto-liability (financial-responsibility) limits — the regime a repair shop's owned or leased vehicles operate under. Liability minimums only; many states also mandate PIP and/or uninsured-motorist coverage.
| State | Requirement | Minimums (BI ea. / BI acc. / property) | Source |
|---|---|---|---|
| Alabama | Alabama requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person in an accident, $50,000 for all bodily injuries or deaths in an accident, and $25,000 for property damage per accident, per Section 32-7-6, Code of Alabama 1975. | 25,000 / 50,000 / 25,000 | Alabama Department of Revenue — Mandatory Liability Insurance |
| Alaska | Alaska requires motor vehicle liability coverage with minimum limits of $50,000 for bodily injury or death of one person in one accident, $100,000 for bodily injury or death of two or more persons in one accident, and $25,000 for property damage in one accident (AS 28.22.101(d)). | 50,000 / 100,000 / 25,000 | Alaska State Legislature — Alaska Statutes, AS 28.22.101 (Motor Vehicle Liability Policy Requirements) |
| Arizona | Arizona requires motor vehicle liability coverage of at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in one accident, and $15,000 for property damage (A.R.S. § 28-4009). | 25,000 / 50,000 / 15,000 | Arizona Revised Statutes § 28-4009 (Arizona State Legislature) |
| Arkansas | Arkansas requires motor vehicles to carry liability insurance with minimum limits of $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $25,000 for damage to the property of others (25/50/25). | 25,000 / 50,000 / 25,000 | Arkansas Insurance Department — Automobile Insurance (consumer brochure) |
| California | California requires owners and operators of motor vehicles — including commercial and fleet vehicles such as a contractor's van or a delivery car — to carry minimum liability insurance of $30,000 for bodily injury or death of one person, $60,000 for bodily injury or death of more than one person per accident, and $15,000 for property damage (30/60/15), per Insurance Code §11580.1b as raised by SB 1107 effective January 1, 2025. | 30,000 / 60,000 / 15,000 | California DMV — Insurance Requirements |
| Colorado | Colorado requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident (25/50/15). | 25,000 / 50,000 / 15,000 | Colorado Division of Insurance (DORA) — Auto Insurance |
| Connecticut | Connecticut requires motor vehicle liability coverage of at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death per accident, and $25,000 for property damage per accident (25/50/25). | 25,000 / 50,000 / 25,000 | Connecticut General Statutes § 14-112(a), Chapter 246 — Connecticut General Assembly (current revision) |
| Delaware | Delaware requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in any one accident, and $10,000 for property damage (21 Del. C. § 2902). | 25,000 / 50,000 / 10,000 | Delaware Code Online — 21 Del. C. § 2902 (Motor Vehicle Safety-Responsibility, definitions: motor vehicle liability policy) |
| District of Columbia | The District of Columbia requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. | 25,000 / 50,000 / 10,000 | Code of the District of Columbia § 31-2406 (Required insurance coverage) — DC Council |
| Florida | Florida requires registered vehicle owners to carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL); bodily injury liability coverage is not required for most vehicles, though the state's financial responsibility law can require it after certain crashes or violations. | — | Florida Highway Safety and Motor Vehicles (FLHSMV) — Insurance Requirements |
| Georgia | Georgia requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per incident, and $25,000 for property damage per incident. | 25,000 / 50,000 / 25,000 | Georgia Office of the Commissioner of Insurance and Safety Fire — Auto (Insurance Resources) |
| Hawaii | Hawaii requires motor vehicle liability insurance with minimum limits of $40,000 for bodily injury per person, $80,000 for bodily injury per accident, and $20,000 for property damage per accident (40/80/20), effective for all new and renewal policies on or after January 1, 2026. | 40,000 / 80,000 / 20,000 | Hawaii Department of Commerce and Consumer Affairs, Insurance Division — FAQ: Auto Insurance Minimum Limits (Effective January 1, 2026) |
| Idaho | Idaho requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. | 25,000 / 50,000 / 15,000 | Idaho Department of Insurance — Required Auto Coverage |
| Illinois | Illinois law requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons in any one crash, and $20,000 for property damage (625 ILCS 5/7-203). | 25,000 / 50,000 / 20,000 | Illinois General Assembly — 625 ILCS 5/7-203 (Illinois Vehicle Code, Requirements as to policy or bond) |
| Indiana | Indiana requires motor vehicle liability coverage with minimum limits of $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons in one accident, and $25,000 for property damage in one accident. | 25,000 / 50,000 / 25,000 | Indiana Bureau of Motor Vehicles — Proof of Financial Responsibility |
| Iowa | Iowa requires drivers to maintain financial liability coverage with minimum limits of $20,000 for bodily injury to or death of one person, $40,000 for bodily injury to or death of two or more persons in any one accident, and $15,000 for property damage (Iowa Code § 321A.1(11)). | 20,000 / 40,000 / 15,000 | Iowa Legislature — Iowa Code § 321A.1 (Motor Vehicle Financial Responsibility, Definitions), Iowa Code 2026 |
| Kansas | Kansas requires every motor vehicle liability insurance policy to carry limits of at least $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $25,000 for property damage in any one accident (K.S.A. 40-3107(e)). | 25,000 / 50,000 / 25,000 | Kansas Revisor of Statutes — K.S.A. 40-3107 (Kansas Automobile Injury Reparations Act, motor vehicle liability insurance policies; required contents) |
| Kentucky | Kentucky requires motor vehicle liability coverage with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage — or, alternatively, a single combined limit of at least $60,000 per accident (KRS 304.39-110). | 25,000 / 50,000 / 25,000 | Kentucky Revised Statutes — KRS 304.39-110 Required minimum tort liability insurance (Kentucky General Assembly / Legislative Research Commission) |
| Louisiana | Louisiana requires motor vehicle liability insurance with minimum limits of $15,000 for bodily injury to one person, $30,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage (La. R.S. 32:900(B)(2)). | 15,000 / 30,000 / 25,000 | Louisiana State Legislature — La. R.S. 32:900 ("Motor Vehicle Liability Policy" defined) |
| Maine | Maine requires motor vehicle liability coverage of at least $50,000 for injury to or death of one person, $100,000 per accident for injury to or death of more than one person, and $25,000 for property damage (29-A M.R.S. §1605). | 50,000 / 100,000 / 25,000 | Maine Legislature — 29-A M.R.S. §1605, Proof of financial responsibility |
| Maryland | Maryland requires motor vehicle liability insurance with minimum limits of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage. | 30,000 / 60,000 / 15,000 | Maryland MDOT Motor Vehicle Administration — Auto Insurance Requirements in Maryland |
| Massachusetts | Massachusetts requires motor vehicle liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $30,000 per accident for property damage, for policies issued or renewed on or after July 1, 2025 (M.G.L. c. 90, §§ 34A, 34O, as amended by St. 2024, c. 275). | 25,000 / 50,000 / 30,000 | Massachusetts General Laws c. 90, § 34A (bodily injury) and § 34O (property damage) — Massachusetts Legislature |
| Michigan | Michigan's no-fault law sets default residual bodily injury liability limits of $250,000 per person and $500,000 per accident on every auto policy, though a driver may sign a state form to select limits as low as $50,000 per person and $100,000 per accident, and every policy must also carry at least $10,000 of property damage liability, which applies to damage caused in another state. | — | Michigan Legislature — MCL 500.3009 (Insurance Code of 1956) |
| Minnesota | Minnesota law requires motor vehicle liability coverage of at least $30,000 for bodily injury to one person, $60,000 for bodily injury to two or more persons in any one accident, and $10,000 for property damage (Minn. Stat. § 65B.49, subd. 3). | 30,000 / 60,000 / 10,000 | Minnesota Statutes § 65B.49, subd. 3 (Residual liability insurance) — Office of the Revisor of Statutes |
| Mississippi | Mississippi requires drivers to carry minimum auto liability insurance of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident (25/50/25). | 25,000 / 50,000 / 25,000 | Mississippi Insurance Department — Auto Insurance |
| Missouri | Missouri requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident (RSMo § 303.190). | 25,000 / 50,000 / 25,000 | Missouri Revisor of Statutes — RSMo § 303.190 (Motor vehicle liability policy defined) |
| Montana | Montana requires motor vehicle liability coverage of at least $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons in any one accident, and $20,000 for property damage (MCA 61-6-103). | 25,000 / 50,000 / 20,000 | Montana Code Annotated 61-6-103 — Motor vehicle liability policy minimum limits (Montana Legislature) |
| Nebraska | Nebraska requires motor vehicle liability coverage of at least $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $25,000 for injury to or destruction of property of others in any one accident (Neb. Rev. Stat. § 60-310). | 25,000 / 50,000 / 25,000 | Nebraska Legislature — Neb. Rev. Stat. § 60-310 (Automobile liability policy, defined) |
| Nevada | Nevada requires every registered motor vehicle to carry liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in any one crash, and $20,000 for property damage (NRS 485.185). | 25,000 / 50,000 / 20,000 | Nevada Revised Statutes NRS 485.185 — Nevada Legislature |
| New Hampshire | New Hampshire does not require most vehicle owners to purchase auto insurance — it operates a financial-responsibility system instead — but any auto liability policy written in the state (including SR-22 filings required after certain violations) must provide at least $25,000 of bodily-injury coverage per person, $50,000 per accident, and $25,000 for property damage (25/50/25). | — | New Hampshire Insurance Department — Your Guide to Understanding Auto Insurance in the Granite State (Auto Insurance FAQ) |
| New Jersey | New Jersey requires motor vehicle liability insurance with minimum limits of $35,000 for bodily injury to or death of one person, $70,000 for bodily injury to or death of more than one person in any one accident, and $25,000 for property damage, applicable to policies issued or renewed on or after January 1, 2026 (N.J.S.A. 39:6B-1). | 35,000 / 70,000 / 25,000 | New Jersey Department of Banking and Insurance — Bulletin No. 25-06, Auto Insurance Coverage Limits Pursuant to P.L.2022, c.87 |
| New Mexico | New Mexico requires motor vehicles registered in the state to carry minimum auto liability coverage of $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more persons, and $10,000 for property damage in any one accident (25/50/10), under the Mandatory Financial Responsibility Act (NMSA 1978 § 66-5-208). | 25,000 / 50,000 / 10,000 | New Mexico Motor Vehicle Division — Insurance |
| New York | New York requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons in a single accident, and $10,000 for property damage (25/50/10), with higher minimums of $50,000 per person and $100,000 per accident applying when injuries result in death. | 25,000 / 50,000 / 10,000 | New York DMV — New York State Insurance Requirements |
| North Carolina | North Carolina requires motor vehicle liability insurance with minimum limits of $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $50,000 for property damage per accident (50/100/50), effective for policies issued or renewed on or after July 1, 2025. | 50,000 / 100,000 / 50,000 | North Carolina General Statutes § 20-279.21(b)(2) — Motor Vehicle Safety and Financial Responsibility Act (NC General Assembly) |
| North Dakota | North Dakota requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage per accident (25/50/25). | 25,000 / 50,000 / 25,000 | North Dakota Century Code § 39-16.1-11 (Motor vehicle liability policy) — North Dakota Legislative Branch |
| Ohio | Ohio law requires motor vehicle liability coverage of at least $25,000 for bodily injury to or death of one person in any one accident, $50,000 for bodily injury to or death of two or more persons in any one accident, and $25,000 for injury to the property of others in any one accident (Ohio Rev. Code § 4509.51). | 25,000 / 50,000 / 25,000 | Ohio Revised Code § 4509.51 (Ohio Legislative Service Commission, codes.ohio.gov) |
| Oklahoma | Oklahoma requires drivers to carry minimum auto liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage (25/50/25). | 25,000 / 50,000 / 25,000 | Oklahoma Insurance Department — Auto Insurance: Common Myths |
| Oregon | Oregon requires motor vehicle liability coverage of at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for property damage per accident (ORS 806.070). | 25,000 / 50,000 / 20,000 | Oregon Revised Statutes — ORS 806.070 (Minimum payment schedule), Oregon Legislature |
| Pennsylvania | Pennsylvania requires motor vehicles to carry liability insurance with minimum limits of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage. | 15,000 / 30,000 / 5,000 | Pennsylvania Insurance Department — Auto Insurance (pa.gov Consumer Help Center) |
| Rhode Island | Rhode Island requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in one accident, and $25,000 for property damage (or a $75,000 combined single limit). | 25,000 / 50,000 / 25,000 | Rhode Island General Laws § 31-47-2 (Motor Vehicle Reparations Act — definitions, 'owner's policy of liability insurance') — RI General Assembly |
| South Carolina | South Carolina requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage per accident (S.C. Code § 38-77-140). | 25,000 / 50,000 / 25,000 | South Carolina Legislature — S.C. Code of Laws § 38-77-140 (Title 38, Chapter 77) |
| South Dakota | South Dakota requires motor vehicle owners and drivers to carry minimum auto liability coverage of $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $25,000 for property damage in any one accident (SDCL § 32-35-70). | 25,000 / 50,000 / 25,000 | South Dakota Legislature — Codified Law § 32-35-70 (Conditions of owner's policy — Coverage and amount) |
| Tennessee | Tennessee requires drivers to show financial responsibility, most commonly by carrying auto liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident (25/50/25). | 25,000 / 50,000 / 25,000 | Tennessee Department of Revenue — Drive Insured Tennessee: Financial Responsibility Law (Why You Should Have Insurance) |
| Texas | Texas requires drivers to establish financial responsibility with minimum auto liability coverage of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage (30/60/25). | 30,000 / 60,000 / 25,000 | Texas Department of Insurance — Automobile insurance guide (CB020) |
| Utah | Utah requires motor vehicle liability coverage with minimum limits of $30,000 for bodily injury to or death of one person, $65,000 for bodily injury to or death of two or more persons, and $25,000 for property damage per accident — or, alternatively, a $90,000 single limit per accident — for policies issued or renewed on or after January 1, 2025. | 30,000 / 65,000 / 25,000 | Utah State Legislature — Utah Code § 31A-22-304, Motor vehicle liability policy minimum limits |
| Vermont | Vermont requires every registered motor vehicle to carry auto liability coverage of at least $25,000 for bodily injury to one person, $50,000 for bodily injury per crash, and $10,000 for property damage (23 V.S.A. § 800). | 25,000 / 50,000 / 10,000 | Vermont Statutes Online — 23 V.S.A. § 800 (Maintenance of financial responsibility) |
| Virginia | Virginia requires motor vehicle liability coverage of at least $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more persons in any one accident, and $25,000 for property damage in any one accident (50/100/25), the minimums in force for policies effective on or after January 1, 2025. | 50,000 / 100,000 / 25,000 | Code of Virginia § 46.2-472 (Coverage of owner's policy) — Virginia Law (LIS) |
| Washington | Washington requires drivers to carry auto liability insurance (or an approved alternative form of financial responsibility) with minimum limits of $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $10,000 for property damage in any one accident (RCW 46.30.020, incorporating the limits of RCW 46.29.090). | 25,000 / 50,000 / 10,000 | Washington State Legislature — RCW 46.29.090 (Requirements as to policy or bond), incorporated by RCW 46.30.020 (mandatory liability insurance) |
| West Virginia | West Virginia requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in one accident, and $25,000 for property damage (W. Va. Code §17D-4-2). | 25,000 / 50,000 / 25,000 | West Virginia Code §17D-4-2 — Proof of financial responsibility (WV Legislature) |
| Wisconsin | Wisconsin requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in any one accident, and $10,000 for property damage (Wis. Stat. § 344.33(2)). | 25,000 / 50,000 / 10,000 | Wisconsin DMV (WisDOT) — Minimum insurance requirements |
| Wyoming | Wyoming requires motor vehicle liability insurance with minimum limits of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for property damage per accident (W.S. 31-9-405(b)). | 25,000 / 50,000 / 20,000 | Wyoming Legislature — Wyoming Statutes, Title 31 (Motor Vehicles), W.S. 31-9-405(b)(ii) |
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