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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 17, 2022

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Things to remember...

  • 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.

If you volunteer regularly or every now and then, you must carry proper car insurance coverage on your vehicle. 

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.

The table below shows the minimum liability auto insurance requirements in each state.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability; personal injury protection25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
DelawareBodily injury and property damage liability; personal injury protection25/50/10
Washington, D.C.Bodily injury and property damage liability; uninsured/underinsured motorist protection25/50/10
FloridaProperty damage liability and personal injury protection10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability; personal injury protection20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability; personal injury protection25/50/25
KentuckyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments50/100/25
MarylandBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/15
MassachusettsBodily injury and property damage liability; personal injury protection20/40/5
MichiganBodily injury and property damage liability; personal injury protection20/40/10
MinnesotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage15/30/5
New MexicoBodily injury and property damage liability25/50/10
New YorkBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/10
North CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage30/60/25
North DakotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/20
PennsylvaniaBodily injury and property damage liability; personal injury protection15/30/5
Rhode IslandBodily injury and property damage liability25/50/25
South CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
South DakotaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability; personal injury protection30/60/25
UtahBodily injury and property damage liability; personal injury protection25/65/15
VermontBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/10
VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
WisconsinBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments25/50/10
WyomingBodily injury and property damage liability25/50/20
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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

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?

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.

Average Annual Liability and Full Coverage Auto Insurance Rates by State
StatesAverage Annual
Liability Auto Insurance Rates
Average 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
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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. 

Depending on your volunteer organization, you may have additional coverage under the company’s non-owned or hired car insurance policy.

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