What are total loss thresholds for each state?

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Asked June 4, 2012

1 Answer


When you insure your vehicle, the insurance company only insures the repairs up to a certain amount. If the cost of repairs would be higher than that amount, the car is considered a total loss, and the settlement will be for the current value of the car. The thing to remember is that the current value of your car may be higher than the total loss threshold, but the insurance company will deem it to be beyond repair, to keep the costs within statistical brackets.

The percentage of the actual vehicle value that must be damaged ranges from 60% upwards, with the determination set by law in some states or by the individual insurer in others. In states where the insurer makes the determination of the damage to value percentage, most insurers use 70%, but check with your insurer if you have any questions.

Alabama75%
ArizonaInsurer sets the percentage
Arkansas70%
CaliforniaInsurer sets the percentage
Colorado100%
ConnecticutInsurer sets the percentage
DelawareInsurer sets the percentage
Florida80%
GeorgiaInsurer sets the percentage
HawaiiInsurer sets the percentage
IdahoInsurer sets the percentage
IllinoisInsurer sets the percentage
Indiana70%
Iowa50%
Kansas75%
Kentucky75%
Louisiana75%
MaineInsurer sets the percentage
Maryland75%
MassachusettsInsurer sets the percentage
Michigan75%
Minnesota70%
MississippiInsurer sets the percentage
Missouri80%
MontanaInsurer sets the percentage
Nebraska75%
Nevada65%
New Hampshire75%
New JerseyInsurer sets the percentage
New MexicoInsurer sets the percentage
New York75%
North Carolina75%
North Dakota75%
OhioInsurer sets the percentage
Oklahoma60%
Oregon80%
PennsylvaniaInsurer sets the percentage
Rhode IslandInsurer sets the percentage
South Carolina75%
South DakotaInsurer sets the percentage
Tennessee75%
Texas100%
UtahInsurer sets the percentage
VermontInsurer sets the percentage
Virginia75%
WashingtonInsurer sets the percentage
West Virginia75%
Wisconsin70%
Wyoming75%

Answered June 4, 2012 by Anonymous

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