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Frequently Asked Questions

What are state-by-state car insurance requirements and what are the minimum requirements per state?

By law each of the 50 United States is required to have specific minimum car insurance requirements for their residents. These stipulations can usually be found on your state insurance commissioner’s website, and are used to help car insurance companies with calculating auto insurance rates.

Each state will require that their resident has one or a number of the various types of auto insurance coverage listed below:

  • Bodily Injury (BI)
  • Physical Damage Liability (PD)
  • No-Fault Personal Injury Protection (PIP)
  • Uninsured Motorist (UM)
  • Underinsured Motorist (UIM)

It is worth mentioning that the least amount of auto insurance is not always the best policy to sign up for, but it is much better than the penalities of driving without car insurance. In order to determine what the minimum requirements are in your state we ask that you visit the table below where you will find your state name, required coverage, and the minimum liability limits. The first two numbers refer to bodily injury liability limits, while the third number focuses on property liability.

State Insurance Required Minimum Liability Limits
Alabama BI & PD Liab 25/50/25
Alaska BI & PD Liab 50/100/25
Arizona BI & PD Liab 15/30/10
Arkansas BI & PD Liab, PIP 25/50/25
California BI & PD Liab 15/30/51
Colorado BI & PD Liab 25/50/15
Connecticut BI & PD Liab, UM, UIM 20/40/10
Delaware BI & PD Liab, PIP 15/30/10
District of Columbia BI & PD Liab, UM 25/50/10
Florida PD Liab, PIP 10/20/102
Georgia BI & PD Liab 25/50/25
Hawaii BI & PD Liab, PIP 20/40/10
Idaho BI & PD Liab 25/50/15
Illinois BI & PD Liab, UM 20/40/15
Indiana BI & PD Liab 25/50/10
Iowa BI & PD Liab 20/40/15
Kansas BI & PD Liab, PIP, UM 25/50/10
Kentucky BI & PD Liab, PIP 25/50/10
Louisiana BI & PD Liab 15/30/25
Maine BI & PD Liab, UM, UIM 50/100/253
Maryland BI & PD Liab, PIP4, UM, UIM 30/60/15
Massachusetts BI & PD Liab, PIP, UM 20/40/5
Michigan BI & PD Liab, PIP 20/40/10
Minnesota BI & PD Liab, PIP, UM,UIM 30/60/10
Mississippi BI & PD Liab 25/50/25
Missouri BI & PD Liab, UM 25/50/10
Montana BI & PD Liab 25/50/10
Nebraska BI & PD Liab 25/50/25
Nevada BI & PD Liab 15/30/10
New Hampshire FR only7, UM 25/50/253
New Jersey BI & PD Liab, PIP, UM, UIM 15/30/55
New Mexico BI & PD Liab 25/50/10
New York BI & PD Liab, PIP, UM 25/50/106
North Carolina BI & PD Liab, UM, UIM 30/60/25
North Dakota BI & PD Liab, PIP, UM, UIM 25/50/25
Ohio BI & PD Liab 12.5/25/7.5
Oklahoma BI & PD Liab 25/50/25
Oregon BI & PD Liab, PIP, UM 25/50/20
Pennsylvania BI & PD Liab, PIP 15/30/5
Rhode Island BI & PD Liab, UM8 25/50/257
South Carolina BI & PD Liab, UM 25/50/25
South Dakota BI & PD Liab, UM 25/50/25
Tennessee BI & PD Liab 25/50/152
Texas BI & PD Liab 30/60/25
Utah BI & PD Liab, PIP 25/65/152
Vermont BI & PD Liab 25/50/10
Virginia BI & PD Liab, UM, UIM 25/50/20
Washington BI & PD Liab 25/50/10
West Virginia BI & PD Liab, UM 20/40/10
Wisconsin BI & PD Liab, UM, UIM 50/100/15
Wyoming BI & PD Liab 25/50/20

Remember that these are strictly the minimum state requirement for car insurance, but that does not mean that they are the best liablity policies to sign up for. By inputting your zipcode above and clicking the continue button a local auto insurance agent can direct to you the best policy for you.

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