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Car Insurance Requirements by State
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 |
Arkansas6 | Liability Insurance: 25/50/25 |
California7 | Liability Insurance: 15/30/5 |
Colorado8 | Liability Insurance: 25/50/15 |
Connecticut9 | Liability Insurance: 25/50/25 |
Delaware10 | Liability Insurance: 25/50/10 |
Florida11 | Personal property liability: $10,000 |
Georgia12 | Liability Insurance: 25/50/25 |
Hawaii13 | Liability Insurance: 20/40/10 |
Idaho14 | Liability Insurance: 25/50/15 |
Illinois15 | Liability Insurance: 25/50/20 |
Indiana16 | Liability Insurance: 25/50/25 |
Iowa17 | Liability Insurance: 20/40/15 |
Kansas18 | Liability Insurance: 25/50/25 Personal Injury Protection:
Survivor Benefits:
Uninsured/Underinsured Motorist: 25/50 |
Kentucky19 | Liability Insurance: 25/50/25 |
Louisiana20 | Liability Insurance: 15/30/25 |
Maine21 | Liability Insurance: 50/100/25 |
Maryland22 | Liability Insurance: 30/60/15 |
Massachusetts23 | Liability Insurance: 20/40/5 |
Michigan24 | Liability Insurance: 20/40/10 |
Minnesota25 | Liability Insurance: 30/60/10 |
Mississippi26 | Liability Insurance: 25/50/25 |
Missouri27 | Liability Insurance: 25/50/10 |
Montana28 | Liability Insurance: 25/50/20 |
Nebraska29 | Liability Insurance: 25/50/25 |
Nevada30 | Liability Insurance: 25/50/20 |
New Hampshire31 | Not required, but if you are at-fault you’ll be Recommended minimums: |
New Jersey32 | Liability Insurance: 15/30/5 |
New Mexico33 | Liability Insurance: 25/50/10 |
New York34 | Liability Insurance: 25/50/10 |
North Carolina35 | Liability Insurance: 30/60/25 |
North Dakota36 | Liability Insurance: 25/50/25 |
Ohio37 | Liability Insurance: 25/50/25 |
Oklahoma38 | Liability Insurance: 25/50/25 |
Oregon39 | Liability Insurance: 25/50/20 |
Pennsylvania40 | Liability Insurance: 15/30/5 |
Rhode Island41 | Liability Insurance: 25/50/25 |
South Carolina42 | Liability Insurance: 25/50/25 |
South Dakota43 | Liability Insurance: 25/50/25 |
Tennessee44 | Liability Insurance: 25/50/15 |
Texas45 | Liability Insurance: 30/60/25 |
Utah46 | Liability Insurance: 25/65/15 |
Vermont47 | Liability Insurance: 25/50/10 |
Virginia48 | Liability Insurance: 25/50/20 |
Washington49 | Liability Insurance: 25/50/10 |
Washington D.C.50 | Liability Insurance: 25/50/10 |
West Virginia51 | Liability Insurance: 25/50/25 |
Wisconsin52 | Liability Insurance: 25/50/10 |
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.
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
