Best Car Insurance: How Much Car Insurance is Required in Your State?

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Car Insurance Requirements by State

Without car insurance, the financial consequences of an accident can be devastating. Car insurance requirements by state vary so it’s good to know what is required where you live.

If you’re buying a new car, adding a driver to the family or moving to a new state, now is the time to revisit your auto insurance policy. It’s important to know you hold the required amount of car insurance, at a minimum, to protect you and your family should a car accident happen.

How Much Car Insurance is Required in Your State?

Car insurance is a conglomeration of many different policies.² Every state has its own requirements for the policies you need to hold. Some states require you to carry liability insurance, others add on personal injury protection and underinsured/uninsured motorist coverage.

Liability insurance protects the people in the other car when you are at fault.
Personal injury protection covers you and your passengers.
Underinsured/uninsured motorist coverage protects you if the person at fault for the accident does not have adequate coverage.

To help you uncover the minimum requirements for your auto insurance, we’ve outlined the requirements of each state below. As you look at the minimum car insurance requirements for your state, take note of how to interpret the numbers.

Minimum Car Insurance Needed by State (Liability Insurance)

Liability insurance requirements are listed as three numbers: XX/XX/XX. These numbers are broken down as the amount per thousand of insurance needed per person, per accident and for property damage. So, for example, Alabama’s requirements are 25/50/25. Therefore, the state requires $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more persons and $25,000 for damage or destruction of property of others.

The same basic formula is followed for uninsured/underinsured motorist coverage. This coverage is typically reported as two numbers; amount per person/per accident. For those states requiring insurance for property damage, that number will be listed as the third number.

State	Required Liability Insurance
Alabama³	Liability Insurance: 25/50/25
Alaska⁴	Liability Insurance: 50/100/25
Arizona⁵	Liability Insurance: 15/30/10 OR $40,000 bond to pay for potential damages
Arkansas⁶	Liability Insurance: 25/50/25
California⁷	Liability Insurance: 15/30/5
Colorado⁸	Liability Insurance: 25/50/15
Connecticut⁹	Liability Insurance: 25/50/25 Uninsured/underinsured: 25/50
Delaware¹⁰	Liability Insurance: 25/50/10
Florida¹¹	Personal property liability: $10,000 Personal injury protection: $10,000
Georgia¹²	Liability Insurance: 25/50/25
Hawaii¹³	Liability Insurance: 20/40/10 Personal Injury Protection: $10,000
Idaho¹⁴	Liability Insurance: 25/50/15
Illinois¹⁵	Liability Insurance: 25/50/20 Uninsured Motorist Coverage: 25/50
Indiana¹⁶	Liability Insurance: 25/50/25
Iowa¹⁷	Liability Insurance: 20/40/15
Kansas¹⁸	Liability Insurance: 25/50/25 Personal Injury Protection: $4,500/person for medical expenses $900/month for one year for disability/loss of income $25/day for in-home services $2,000 for funeral, burial or cremation expense $4,500 for rehabilitation expense Survivor Benefits: Disability/loss of income up to $900/month for one year In-home services up to $25/day for one year Uninsured/Underinsured Motorist: 25/50
Kentucky¹⁹	Liability Insurance: 25/50/25 Personal Injury Protection: $10,000
Louisiana²⁰	Liability Insurance: 15/30/25
Maine²¹	Liability Insurance: 50/100/25 Medical Expenses Coverage: $2,000 Uninsured/Underinsured Motorist: 50/100
Maryland²²	Liability Insurance: 30/60/15 Personal Injury Protection: up to $2,500 per person Uninsured/Underinsured Motorist Coverage: 30/60/15
Massachusetts²³	Liability Insurance: 20/40/5 Personal Injury Protection: $8,000 per person Uninsured Motorist Coverage: 20/40
Michigan²⁴	Liability Insurance: 20/40/10 No fault insurance Property protection insurance of $1 million
Minnesota²⁵	Liability Insurance: 30/60/10 Personal Injury Protection: $40,000 per person Uninsured/Underinsured Motorist Coverage: 25/50
Mississippi²⁶	Liability Insurance: 25/50/25
Missouri²⁷	Liability Insurance: 25/50/10 Uninsured Motorist Coverage: 25/50
Montana²⁸	Liability Insurance: 25/50/20
Nebraska²⁹	Liability Insurance: 25/50/25 Uninsured Motorist Coverage: 25/50
Nevada³⁰	Liability Insurance: 25/50/20
New Hampshire³¹	Not required, but if you are at-fault you’ll be responsible for bodily injury and property damage. Recommended minimums: Liability Insurance: 25/50/25 Medical Payments Coverage: $1,000 Uninsured/Underinsured Motorist Coverage: 25/50/25
New Jersey³²	Liability Insurance: 15/30/5 Personal Injury Protection: $15,000
New Mexico³³	Liability Insurance: 25/50/10
New York³⁴	Liability Insurance: 25/50/10 No-fault Coverage: $50,000 Uninsured Motorist Coverage: 25/50
North Carolina³⁵	Liability Insurance: 30/60/25 Uninsured/Underinsured Motorist Coverage: 30/60/25
North Dakota³⁶	Liability Insurance: 25/50/25 Uninsured/Underinsured Motorist Coverage: 25/50 Basic No-fault Insurance: $30,000 per person
Ohio³⁷	Liability Insurance: 25/50/25
Oklahoma³⁸	Liability Insurance: 25/50/25
Oregon³⁹	Liability Insurance: 25/50/20 Personal Injury Protection: $15,000 per person Uninsured Motorist Coverage: 25/50
Pennsylvania⁴⁰	Liability Insurance: 15/30/5 Medical Benefits: $5,000
Rhode Island⁴¹	Liability Insurance: 25/50/25
South Carolina⁴²	Liability Insurance: 25/50/25 Uninsured Motorist Coverage: 25/50/25
South Dakota⁴³	Liability Insurance: 25/50/25 Uninsured/Underinsured Motorist Coverage: 25/50
Tennessee⁴⁴	Liability Insurance: 25/50/15
Texas⁴⁵	Liability Insurance: 30/60/25
Utah⁴⁶	Liability Insurance: 25/65/15 Personal Injury Protection: $3,000 per person
Vermont⁴⁷	Liability Insurance: 25/50/10 Uninsured/Underinsured Motorist Coverage: 50/100/10
Virginia⁴⁸	Liability Insurance: 25/50/20 OR Uninsured Motorist Fee: $500
Washington⁴⁹	Liability Insurance: 25/50/10
Washington D.C.⁵⁰	Liability Insurance: 25/50/10 Uninsured Motorist Coverage: 25/50/5
West Virginia⁵¹	Liability Insurance: 25/50/25 Uninsured Motorist Coverage: 25/50/25
Wisconsin⁵²	Liability Insurance: 25/50/10 Uninsured Motorist Coverage: 25/50
Wyoming⁵³	Liability Insurance: 25/50/20

The mandatory car insurance minimums provided in the chart above were accurate at the time this article was written. Call a licensed SelectQuote agent to confirm you still meet the minimum requirements.

With car insurance minimums going up in recent years, now is the time to revisit your auto policy. Whether you’ve had a change in your family or your policy is up for renewal, a licensed SelectQuote agent can determine your insurance requirements. SelectQuote can also help you decide if the minimum insurance required is enough to protect you and your family in the case of an accident. You’ll often discover additional coverage can provide added peace of mind.

Looking for affordable car insurance in your state?

Contact SelectQuote today to get a free quote.

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²https://homeandauto.selectquote.com/resources/articles/how-much-car-insurance-you-need/

3https://www.besuretoinsureal.com/

⁴http://doa.alaska.gov/dmv/faq/manins.htm

⁵https://www.azlawhelp.org/articles_info.cfm?mc=25&sc=113&articleid=424

⁶https://www.dmv.org/ar-arkansas/car-insurance.php

⁷https://www.dmv.ca.gov/portal/dmv/detail/pubs/brochures/fast_facts/ffvr18

⁸https://www.colorado.gov/dora/division-insurance

⁹https://www.ct.gov/dmv/cwp/view.asp?a=1523&q=251214

¹⁰https://www.dmv.de.gov/VehicleServices/faqs/index.shtml?dc=ve_faqs_insurance

¹¹https://www.flhsmv.gov/ddl/frfaqgen.html

¹²https://www.oci.ga.gov/consumerservice/autoinsurance.aspx

¹³http://cca.hawaii.gov/ins/consumers/mvi/

¹⁴https://doi.idaho.gov/consumer/Auto/Basic

¹⁵https://www.cyberdriveillinois.com/departments/vehicles/mandatory_insurance.html

¹⁶https://www.in.gov/bmv/2574.htm

¹⁷https://iid.iowa.gov/automobile-insurance

¹⁸https://www.ksinsurance.org/autohome/auto/auto-info.php

¹⁹https://drive.ky.gov/Motor-Vehicle-Licensing/Pages/Mandatory-Insurance.aspx

²⁰https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf?sfvrsn=15

²¹https://www.maine.gov/pfr/insurance/consumer/individuals_families/auto/general_information/required_insurance.html

²²http://www.mva.maryland.gov/_resources/docs/ICD-004.pdf

²³https://www.mass.gov/service-details/understanding-auto-insurance

²⁴https://www.michigan.gov/difs/0,5269,7-303-13648_60666_77183—,00.html

²⁵https://dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf

²⁶https://www.mid.ms.gov/consumers/auto-insurance.aspx

²⁷https://insurance.mo.gov/consumers/auto/auto.php

²⁸https://dojmt.gov/driving/insurance-and-verification/

²⁹https://www.moneyunder30.com/minimum-auto-insurance-coverage-requirements-by-state

³⁰http://www.dmvnv.com/insurance.htm#Insurance

³¹https://www.nh.gov/insurance/consumers/documents/nh_auto_guide.pdf

³²https://www.state.nj.us/dobi/division_consumers/insurance/standardpolicy.html

³³http://www.mvd.newmexico.gov/vehicle-insurance.aspx

³⁴https://dmv.ny.gov/insurance/insurance-requirements

³⁵http://www.ncdoi.com/PC/Documents/Checklists/Personal%20Automobile.pdf

³⁶http://www.nd.gov/ndins/consumers/auto/

³⁷https://www.insurance.com/auto-insurance/state-information/ohio.aspx

³⁸http://www.automobile.com/oklahoma-car-insurance-guide.html

³⁹https://www.oregon.gov/ODOT/DMV/pages/driverid/insurance.aspx

⁴⁰https://www.insurance.pa.gov/Documents/auto_guide.pdf

⁴¹http://www.dbr.ri.gov/documents/divisions/insurance/property_casualty/com_guide-auto_insur.PDF

⁴²https://doi.sc.gov/588/Automobile-Insurance

⁴³https://dlr.sd.gov/insurance/general_guidance/auto.aspx#mandatory

⁴⁴https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/for-drivers/why-you-should-have-auto-insurance.html

⁴⁵https://www.tdi.texas.gov/pubs/consumer/cb020.html

⁴⁶https://insurance.utah.gov/consumer/auto-home/auto-insurance/third-party-auto-claim

⁴⁷https://legislature.vermont.gov/statutes/section/23/011/00800

⁴⁸https://www.dmv.virginia.gov/vehicles/#insurance.asp

⁴⁹https://www.dol.wa.gov/driverslicense/insurance.html

⁵⁰https://dmv.dc.gov/service/vehicle-insurance

⁵¹https://www.wvinsurance.gov/Portals/0/pdf/Ins_Brochures/Auto%20Brochure_New.pdf

⁵²https://oci.wi.gov/Documents/Consumers/PI-233.pdf

⁵³https://sites.google.com/a/wyo.gov/doi/consumers/types-of-insurance/auto