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Commercial auto for restaurants
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Required if…
Required if the restaurant runs its own vehicles for delivery or catering — nearly every state requires liability coverage on vehicles operated on its roads, and personal auto policies may not cover business driving.
What it covers for full-service restaurants
Covers liability (and optionally vehicle damage) for vehicles the restaurant owns and runs for delivery or catering. Personal auto policies may not cover driving for business, and insurers can deny claims when business use isn't disclosed — the gap a commercial policy closes. Delivery and catering put restaurant vehicles on the road, where financial-responsibility laws and personal-policy business-use exclusions bite.
Sources: Texas Department of Insurance — Delivering packages? What to know about auto insurance (retrieved 2026-06-06) · NAIC — Auto Insurance topic (as of 2025-09-26, retrieved 2026-06-06)
Auto-liability minimums by state
Every state's minimum auto-liability (financial-responsibility) limits — the regime a restaurant'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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