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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div>
<p>A menudo olvidamos que los autos son inherentemente peligrosos conveniente a su tamaño, peso y velocidad de velocidad. Esta es la razón por la cual casi todos los estados de los Estados Unidos (New Hampshire es la excepción) requiere que los conductores tengan un seguro de automóvil. Como forma de responsabilidad financiera, el seguro de automóvil ayuda a proteger financieramente el responsabilidad del conductor si tienen la delito de un casualidad automovilístico. Los requisitos mínimos de cobertura de seguro de automóvil varían entre los estados, y aunque es más trueque, la cobertura básica no es la mejor opción para la mayoría de los conductores.</p>
<h2 id="what-is-the-minimum-amount-of-car-insurance-coverage-required" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What is the minimum amount of car insurance coverage required?" data-outcome=""><strong>¿Cuál es la cantidad mínima de cobertura de seguro de automóvil que se requiere?</strong></h2>
<p>Cada estado establece sus propios requisitos mínimos de seguro de automóvil, por lo que los tipos de cobertura y los límites varían. Se requiere cobertura de responsabilidad civil en cada estado que exige el seguro de automóvil, y los límites generalmente se expresan en un formato de tres números (por ejemplo, 25/50/25), que se refiere a la cantidad que su aseguradora pagará por lesiones corporales por persona, lesiones corporales por casualidad y daños a la propiedad por casualidad, respectivamente.</p>
<p>A continuación se muestra una descripción universal de cómo la cobertura de responsabilidad puede proteger sus finanzas cuando causa un casualidad, pegado con tipos de cobertura adicionales que pueden ser necesarios según las reglas de su estado:</p>
<ul>
<li>
<strong>Responsabilidad por lesiones corporales (BI)</strong><strong>:</strong> Si causa un casualidad con otro conductor o peatón, la cobertura de responsabilidad por lesiones corporales ayudará a avalar los gastos médicos relacionados con las lesiones de la otra persona. Además puede cubrir sus honorarios legales si la otra persona lo demanda por sus pérdidas.</li>
<li>
<strong>Responsabilidad por daños a la propiedad (PD)</strong><strong>:</strong> La cobertura de responsabilidad por daños a la propiedad está diseñada para avalar el daño a la propiedad que usted causa a otros. Por ejemplo, si golpea a otro transporte en la carretera, el seguro de responsabilidad civil de su propiedad podría ayudar a avalar las reparaciones del otro transporte.</li>
<li>
<strong>Cobertura de conductor sin seguro/con seguro insuficiente (UM/UIM)</strong><strong>:</strong> La cobertura del conductor sin seguro y con seguro insuficiente ofrece protección financiera en caso de casualidad con un conductor que no tiene seguro o no tiene suficiente cobertura para avalar sus pérdidas.</li>
<li>
<strong>Cobertura de protección de lesiones personales (PIP)</strong><strong>:</strong> PIP es un requisito en los estados con leyes sin delito, sin retención, algunos estados culpables lo ofrecen como una opción. Si llega a un casualidad, PIP puede avalar sus facturas médicas, salarios perdidos, costos de rehabilitación y gastos relacionados, independientemente de quién causó el casualidad. PIP todavía puede cubrir sus lesiones si es atropellado por un transporte como peatón.</li>
<li>
<strong>Cobertura de pagos médicos (Medpay)</strong><strong>:</strong> La cobertura de pagos médicos puede ayudar a avalar sus gastos médicos posteriormente de un casualidad, pero generalmente no es tan robusta como PIP. Generalmente se considera una cobertura opcional. Sin retención, algunos estados requieren que los conductores lleven cobertura de pagos médicos.</li>
</ul>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/politicas-de-seguro-de-propietarios-de-viviendas-ho-2-como-funcionan" target="_self" rel="dofollow" class="u18f2e1dd46ef4fc0d13f4d1e911d0194"><!-- INLINE RELATED POSTS 1/3 //--><style> .u18f2e1dd46ef4fc0d13f4d1e911d0194 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u18f2e1dd46ef4fc0d13f4d1e911d0194:active, .u18f2e1dd46ef4fc0d13f4d1e911d0194:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u18f2e1dd46ef4fc0d13f4d1e911d0194 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u18f2e1dd46ef4fc0d13f4d1e911d0194 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u18f2e1dd46ef4fc0d13f4d1e911d0194 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u18f2e1dd46ef4fc0d13f4d1e911d0194:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Políticas de seguro de propietarios de viviendas HO-2: ¿Cómo funcionan?</span></div></a></div><p>Si adecuadamente cumplir con los requisitos mínimos de seguro de su estado lo calificará legalmente para conducir, la mayoría de los profesionales de seguros recomiendan comprar límites de cobertura más altos o renovar a una póliza de cobertura completa para una protección financiera más cachas en más situaciones en la carretera. El seguro de automóvil está diseñado para proteger sus finanzas de las consecuencias de los accidentes de vehículos, por lo que tener una póliza que se ajuste a sus evacuación, incluso si es más costosa que los requisitos mínimos, puede ahorrarle de la devastación financiera en caso de que suceda lo peor.</p>
<h2 id="do-all-states-require-car-insurance" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Do all states require car insurance? " data-outcome=""><strong>¿Todos los estados requieren seguro de automóvil? </strong></h2>
<p>Casi todos los estados requieren un seguro de automóvil para vehículos en la carretera. New Hampshire es la única excepción. Sin retención, los conductores en New Hampshire aún deben ser financieramente responsables del daño potencial que puedan causar ayer de renunciar a una póliza. Los conductores de New Hampshire que eligen comprar una política de automóviles deben sobrellevar una política que cumpla con los requisitos mínimos del estado.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
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<p>                    Aumento de los límites de estado
                </p>
<div class="content">
<p>Cada estado regula sus leyes de seguro y puede requerir que los conductores tengan más cobertura o diferentes tipos de cobertura. En 2025, California, Utah, Virginia y Carolina del Meta aumentaron los límites de cobertura mínima. Los límites de Nueva Elástica aumentarán nuevamente el 1 de enero de 2026. Los conductores no necesitan tomar ninguna medida, las aseguradoras ajustarán los límites de acuerdo con las nuevas leyes.</p>
</p></div>
</p></div>
</p></div>
</section>
<h3><strong>Requisitos de seguro de automóvil de cobertura mínima por estado</strong></h3>
<p>Aunque las compañías de seguros no le venderán una póliza con menos cobertura que el nivel de cobertura mínima ordenada por el estado, aún puede ser una buena idea revisar los requisitos de seguro de automóvil de cobertura mínima de su estado. Adicionalmente, recuerde que siempre puede comprar más cobertura de la requerida si desea una protección financiera adicional. La mayoría de los profesionales de seguros recomiendan obtener cotizaciones para múltiples niveles de cobertura ayer de designar el seguro imperceptible de su estado, para que pueda encontrar la cobertura que necesita a un precio que pueda avalar.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/el-aumento-de-los-costos-de-atencion-medica-esta-aumentando-su-tarifa-de-seguro-de-automovil" target="_self" rel="dofollow" class="ud6bfe28adba7795f27010fc9e00e706d"><!-- INLINE RELATED POSTS 2/3 //--><style> .ud6bfe28adba7795f27010fc9e00e706d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud6bfe28adba7795f27010fc9e00e706d:active, .ud6bfe28adba7795f27010fc9e00e706d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud6bfe28adba7795f27010fc9e00e706d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud6bfe28adba7795f27010fc9e00e706d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud6bfe28adba7795f27010fc9e00e706d .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ud6bfe28adba7795f27010fc9e00e706d:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">El aumento de los costos de atención médica está aumentando su tarifa de seguro de automóvil</span></div></a></div><p>La ulterior tabla incluye los requisitos mínimos de seguro de automóvil en los 50 estados y Washington, DC</p>
<div class="w-full overflow-x-auto">
<table class="wp-block-table is-style-stripes wrapped">
<thead>
<tr>
<th class="has-text-align-center" data-align="center"><strong>Estado</strong></th>
<th class="has-text-align-center" data-align="center"><strong>Responsabilidad por lesiones corporales y responsabilidad por daños a la propiedad</strong></th>
<th class="has-text-align-center" data-align="center"><strong>Uno/uim, pip y medpay</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td class="has-text-align-center" data-align="center">Alabama</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Debajo</td>
<td class="has-text-align-center" data-align="center">50/100/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Arizona</td>
<td class="has-text-align-center" data-align="center">25/50/15</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Arkansa</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">California</td>
<td class="has-text-align-center" data-align="center">30/60/15</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Colorado</td>
<td class="has-text-align-center" data-align="center">25/50/15</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Connecticut</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/uim</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Delaware</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">15/30 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Florida</td>
<td class="has-text-align-center" data-align="center">
<p>$ 10,000 PDL*</td>
<td class="has-text-align-center" data-align="center">$ 10,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Georgia</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Hawai</td>
<td class="has-text-align-center" data-align="center">20/40/10</td>
<td class="has-text-align-center" data-align="center">$ 10,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Idaho</td>
<td class="has-text-align-center" data-align="center">25/50/15</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Illinois</td>
<td class="has-text-align-center" data-align="center">25/50/20</td>
<td class="has-text-align-center" data-align="center">25/50 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Indiana</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno; 50 UIM</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Iowa</td>
<td class="has-text-align-center" data-align="center">20/40/15</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Kansas</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/UIM $ 4,500 Pip</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Kentucky</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">$ 10,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Luisiana</td>
<td class="has-text-align-center" data-align="center">15/30/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Maine</td>
<td class="has-text-align-center" data-align="center">50/100/25</td>
<td class="has-text-align-center" data-align="center">50/100 uno/uim $ 2,000 Medpay</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Maryland</td>
<td class="has-text-align-center" data-align="center">30/60/15</td>
<td class="has-text-align-center" data-align="center">30/60/15 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Massachusetts</td>
<td class="has-text-align-center" data-align="center">25/50/30</td>
<td class="has-text-align-center" data-align="center">20/40 A $ 8,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Michigan</td>
<td class="has-text-align-center" data-align="center">50/100/10</td>
<td class="has-text-align-center" data-align="center">Seis Opciones de PIP: Exiguo $ 50,000 para asegurados en Medicaid</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Minnesota</td>
<td class="has-text-align-center" data-align="center">30/60/10</td>
<td class="has-text-align-center" data-align="center">25/50 uno/UIM $ 40,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Misisipí</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Misuri</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/uim</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Montana</td>
<td class="has-text-align-center" data-align="center">25/50/20</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Nebraska</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/uim</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Nevasca</td>
<td class="has-text-align-center" data-align="center">25/50/20</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">New Hampshire **</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 A $ 1,000 MedPay</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Nueva Elástica</td>
<td class="has-text-align-center" data-align="center">25/50/25 ***</td>
<td class="has-text-align-center" data-align="center">25/50 uno/UIM $ 15,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Nuevo Méjico</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Nueva York</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">25/50 A $ 50,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Carolina del Meta</td>
<td class="has-text-align-center" data-align="center">50/100/50</td>
<td class="has-text-align-center" data-align="center">50/100/50 uno/uim</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Dakota del Meta</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/UIM $ 30,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Ohio</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Oklahola</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Oregón</td>
<td class="has-text-align-center" data-align="center">25/50/20</td>
<td class="has-text-align-center" data-align="center">25/50 uno/UIM $ 15,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Pensilvania</td>
<td class="has-text-align-center" data-align="center">15/30/5</td>
<td class="has-text-align-center" data-align="center">$ 5,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Rhode Island</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Carolina del Sur</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50/25 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Dakota del Sur</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50 uno/uim</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Tennesse</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Texas</td>
<td class="has-text-align-center" data-align="center">30/60/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Utah</td>
<td class="has-text-align-center" data-align="center">30/60/25</td>
<td class="has-text-align-center" data-align="center">$ 3,000 PIP</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Vermont</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">50/100/10 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Virginia</td>
<td class="has-text-align-center" data-align="center">50/100/25</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Washington</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Washington, DC</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">25/50/5 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Virginia Occidental</td>
<td class="has-text-align-center" data-align="center">25/50/25</td>
<td class="has-text-align-center" data-align="center">25/50/25 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Wisconsin</td>
<td class="has-text-align-center" data-align="center">25/50/10</td>
<td class="has-text-align-center" data-align="center">25/50 uno</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Wyoming</td>
<td class="has-text-align-center" data-align="center">25/50/20</td>
<td class="has-text-align-center" data-align="center">Nadie</td>
</tr>
</tbody>
</table>
</div>
<p class="text-sm text-slate"><em>*Florida solo requiere PDL y PIP. Los límites mínimos de BI son 10/20 si transacción cobertura. Los conductores que han causado un casualidad que involucra lesiones corporales o crimen o recibió ciertas citas para sobrellevar límites de BI del 10/20. Se puede requerir que los conductores condenados por un DUI lleven límites de 100/300.</em></p>
<p><em>** New Hampshire no requiere un seguro de automóvil, pero estos son los límites mínimos si transacción una póliza para satisfacer la ley de responsabilidad financiera.</em></p>
<p><em>*** Los límites de Nueva Elástica se basan en los requisitos mínimos de cobertura de &#8220;política tipificado&#8221; para la cobertura flagrante. Estos límites reflejan el aumento que tuvo circunscripción en enero de 2023. Los límites mínimos de Nueva Elástica aumentarán nuevamente en enero de 2026 a 35/70/25 por responsabilidad y 35/70 para UM/UIM. Pip permanecerá en $ 15,000.</em></p>
<h2 id="what-states-do-not-require-car-insurance" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What states do not require car insurance?" data-outcome=""><strong>¿Qué estados no requieren seguro de automóvil?</strong></h2>
<p>El único estado en el que el seguro de automóvil sigue siendo opcional con prueba de responsabilidad financiera es New Hampshire, a menos que sea requerido por un SR-22 posteriormente de un casualidad o una violación llano de tráfico. Virginia todavía permitió anteriormente a los conductores renunciar al seguro de automóvil, pero a partir del 1 de julio de 2024, la cobertura ahora es obligatoria. </p>
<p>Algunos estados permiten que los conductores soliciten el autoevenido en circunscripción de comprar una póliza a un proveedor de seguros de automóviles tradicional. Este proceso de solicitud generalmente implica demostrar un patrimonio neto suficiente y transmitir un bono de respaldo o depósito en efectivo con el DMV o el sección de seguros del estado. La cantidad requerida varía significativamente según el estado, a veces coincidiendo con los límites de cobertura mínima total y otras veces son sustancialmente más altas. La aprobación para el autoeguro no está garantizada y puede estar sujeta a una revisión financiera en curso.</p>
<p>En el caso de un casualidad culpable con autoseguro, debe manejar la situación como lo haría una compañía de seguros. Eso significa investigar el incidente, avalar daños y regir cualquier procedimiento reglamentario. Un beneficio secreto del seguro de automóvil tradicional es que su aseguradora no solo asigna un representante de reclamos para manejar estas tareas en su nombre, sino que todavía asume la carga financiera hasta los límites de cobertura de su póliza.</p>
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<!-- sc5a72ec-3dd082 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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