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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.

StateRequired Liability Insurance
Alabama3Liability Insurance: 25/50/25
Alaska4Liability Insurance: 50/100/25
Arizona5Liability Insurance: 15/30/10
OR
$40,000 bond to pay for potential damages
Arkansas6Liability Insurance: 25/50/25
California7Liability Insurance: 15/30/5
Colorado8Liability Insurance: 25/50/15
Connecticut9Liability Insurance: 25/50/25
Uninsured/underinsured: 25/50
Delaware10Liability Insurance: 25/50/10
Florida11Personal property liability: $10,000
Personal injury protection: $10,000
Georgia12Liability Insurance: 25/50/25
Hawaii13Liability Insurance: 20/40/10
Personal Injury Protection: $10,000
Idaho14Liability Insurance: 25/50/15
Illinois15Liability Insurance: 25/50/20
Uninsured Motorist Coverage: 25/50
Indiana16Liability Insurance: 25/50/25
Iowa17Liability 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

Kentucky19Liability Insurance: 25/50/25
Personal Injury Protection: $10,000
Louisiana20Liability Insurance: 15/30/25
Maine21Liability Insurance: 50/100/25
Medical Expenses Coverage: $2,000
Uninsured/Underinsured Motorist: 50/100
Maryland22Liability Insurance: 30/60/15
Personal Injury Protection: up to $2,500 per person
Uninsured/Underinsured Motorist Coverage: 30/60/15
Massachusetts23Liability Insurance: 20/40/5
Personal Injury Protection: $8,000 per person
Uninsured Motorist Coverage: 20/40
Michigan24Liability Insurance: 20/40/10
No fault insurance
Property protection insurance of $1 million
Minnesota25Liability Insurance: 30/60/10
Personal Injury Protection: $40,000 per person
Uninsured/Underinsured Motorist Coverage: 25/50
Mississippi26Liability Insurance: 25/50/25
Missouri27Liability Insurance: 25/50/10
Uninsured Motorist Coverage: 25/50
Montana28Liability Insurance: 25/50/20
Nebraska29Liability Insurance: 25/50/25
Uninsured Motorist Coverage: 25/50
Nevada30Liability 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 Jersey32Liability Insurance: 15/30/5
Personal Injury Protection: $15,000
New Mexico33Liability Insurance: 25/50/10
New York34Liability Insurance: 25/50/10
No-fault Coverage: $50,000
Uninsured Motorist Coverage: 25/50
North Carolina35Liability Insurance: 30/60/25
Uninsured/Underinsured Motorist Coverage: 30/60/25
North Dakota36Liability Insurance: 25/50/25
Uninsured/Underinsured Motorist Coverage: 25/50
Basic No-fault Insurance: $30,000 per person
Ohio37Liability Insurance: 25/50/25
Oklahoma38Liability Insurance: 25/50/25
Oregon39Liability Insurance: 25/50/20
Personal Injury Protection: $15,000 per person
Uninsured Motorist Coverage: 25/50
Pennsylvania40Liability Insurance: 15/30/5
Medical Benefits: $5,000
Rhode Island41Liability Insurance: 25/50/25
South Carolina42Liability Insurance: 25/50/25
Uninsured Motorist Coverage: 25/50/25
South Dakota43Liability Insurance: 25/50/25
Uninsured/Underinsured Motorist Coverage: 25/50
Tennessee44Liability Insurance: 25/50/15
Texas45Liability Insurance: 30/60/25
Utah46Liability Insurance: 25/65/15
Personal Injury Protection: $3,000 per person
Vermont47Liability Insurance: 25/50/10
Uninsured/Underinsured Motorist Coverage: 50/100/10
Virginia48Liability Insurance: 25/50/20
OR
Uninsured Motorist Fee: $500
Washington49Liability Insurance: 25/50/10
Washington D.C.50Liability Insurance: 25/50/10
Uninsured Motorist Coverage: 25/50/5
West Virginia51Liability Insurance: 25/50/25
Uninsured Motorist Coverage: 25/50/25
Wisconsin52Liability Insurance: 25/50/10
Uninsured Motorist Coverage: 25/50
Wyoming53Liability 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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