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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
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.