Auto Insurance for Volunteers
Anyone who volunteers for a company or organization and drives a vehicle must have insurance. Here's what you need to know about car insurance for volunteers.
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UPDATED: Jun 17, 2022
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Table of Contents
- You will need car insurance for any vehicles you own and drive, even if you volunteer for a company or organization
- You may want to carry more than your state’s minimum liability requirements if you drive a lot as a volunteer
- Some organizations may offer non-owned or hired liability coverage to volunteers using their own vehicles
People who volunteer for nonprofit organizations and other companies often do so because they believe in their work. Volunteers are responsible for helping countless groups worldwide.
While volunteers do what they do out of kindness, anyone who volunteers for a company or organization and drives a vehicle must have insurance.
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If you volunteer regularly or every now and then, you must carry proper car insurance coverage on your vehicle.
Table of Contents
Is there car insurance for volunteers?
There is no such thing as auto insurance specifically for volunteers. Still, anyone who owns and drives a car must have insurance on that vehicle to drive legally and be covered in an accident.
Volunteers have countless options for auto insurance, but all that is required is liability coverage.
More: FreshDirect Auto Insurance
The table below shows the minimum liability auto insurance requirements in each state.
States Coverage Types Coverage Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability; personal injury protection 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Delaware Bodily injury and property damage liability; personal injury protection 25/50/10
Washington, D.C. Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/10
Florida Property damage liability and personal injury protection 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability; personal injury protection 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability; personal injury protection 25/50/25
Kentucky Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 50/100/25
Maryland Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/15
Massachusetts Bodily injury and property damage liability; personal injury protection 20/40/5
Michigan Bodily injury and property damage liability; personal injury protection 20/40/10
Minnesota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 15/30/5
New Mexico Bodily injury and property damage liability 25/50/10
New York Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/10
North Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 30/60/25
North Dakota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/20
Pennsylvania Bodily injury and property damage liability; personal injury protection 15/30/5
Rhode Island Bodily injury and property damage liability 25/50/25
South Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
South Dakota Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability; personal injury protection 30/60/25
Utah Bodily injury and property damage liability; personal injury protection 25/65/15
Vermont Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/10
Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Wisconsin Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
As you can see, while all states require bodily injury liability insurance and property damage coverage, some states require additional coverage such as:
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist
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It will depend on where you live as to how much insurance coverage you’re required to have.
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Do volunteer organizations offer car insurance?
Depending on the organization you volunteer with and the extent of your duties, you may find that the organization offers you non-owned or hired auto insurance for running errands and doing other things as a volunteer.
Non-owned and hired auto insurance offers additional liability coverage and even legal assistance to individuals driving their own vehicles for business or volunteer purposes. You can check with your volunteer organization to see if you have this option for coverage.
Should volunteers get full coverage car insurance?
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If you drive a lot as a volunteer or in general, you should consider purchasing more than just liability coverage.
While liability insurance is much cheaper than other coverage options, it does not offer the protection you need for yourself or your vehicle. Instead, you may want a full coverage policy, including both collision and comprehensive coverage.
The table below shows the average rates in each state based on coverage type.
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States Average Annual
Liability Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
Alabama $394.21 $868.48
Alaska $539.68 $1,027.75
Arizona $508.76 $972.85
Arkansas $394.13 $906.34
California $489.66 $986.75
Colorado $520.04 $981.64
Connecticut $650.94 $1,151.07
Delaware $799.30 $1,240.57
District of Columbia $628.82 $1,330.73
Florida $857.64 $1,257.13
Georgia $557.38 $1,048.40
Hawaii $458.54 $873.28
Idaho $344.29 $679.89
Illinois $446.72 $884.56
Indiana $382.68 $755.03
Iowa $299.18 $702.46
Kansas $358.24 $862.93
Kentucky $529.21 $938.51
Louisiana $775.83 $1,405.36
Maine $338.87 $703.82
Maryland $609.74 $1,116.45
Massachusetts $606.04 $1,129.29
Michigan $795.32 $1,364
Minnesota $456.82 $875.49
Mississippi $460.50 $994.05
Missouri $415.88 $872.43
Montana $386.29 $863.52
Nebraska $364.64 $831.02
Nevada $681.56 $1,103.05
New Hampshire $400.56 $818.75
New Jersey $869.57 $1,382.79
New Mexico $488.03 $937.59
New York $804.51 $1,360.66
North Carolina $359.42 $789.09
North Dakota $298.18 $773.30
Ohio $397.11 $788.56
Oklahoma $461.01 $1,005.32
Oregon $584.13 $904.83
Pennsylvania $499.06 $970.51
Rhode Island $759.80 $1,303.50
South Carolina $527.09 $973.10
South Dakota $300.22 $766.91
Tennessee $413.91 $871.43
Texas $528.75 $1,109.66
Utah $497.53 $872.93
Vermont $343.12 $764.02
Virginia $425.61 $842.67
Washington $596.67 $968.80
West Virginia $491.83 $1,025.78
Wisconsin $374.37 $737.18
Wyoming $321.04 $847.44
National Average $538.73 $1,009.38
While full coverage can double your insurance rates, the coverage ensures you and your vehicle are protected in virtually all circumstances.
Car Insurance for Volunteers: The Bottom Line
You must have proper auto insurance if you own and drive a vehicle. Volunteering does not change any auto insurance requirements, but it may make you more likely to purchase a full coverage policy to ensure you and your vehicle are covered.
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Depending on your volunteer organization, you may have additional coverage under the company’s non-owned or hired car insurance policy.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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