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Minimum car insurance requirements by state

Most states require at least 25/50/25 in liability, but 5 states require $50,000 per person and New Hampshire requires none. Find your state’s legal minimum — with its official source — before you compare quotes.

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Minimum liability by state

Format: bodily injury per person / per accident / property damage, in thousands of dollars. Tap a state for PIP, uninsured motorist rules and official sources.

Alabama$25,000 / $50,000 bodily injury · $25,000 property25/50/25Alaska$50,000 / $100,000 bodily injury · $25,000 property50/100/25Arizona$25,000 / $50,000 bodily injury · $15,000 property25/50/15Arkansas$25,000 / $50,000 bodily injury · $25,000 property25/50/25California$30,000 / $60,000 bodily injury · $15,000 property30/60/15Colorado$25,000 / $50,000 bodily injury · $15,000 property25/50/15Connecticut$25,000 / $50,000 bodily injury · $25,000 property25/50/25Delaware$25,000 / $50,000 bodily injury · $10,000 property25/50/10District of Columbia$25,000 / $50,000 bodily injury · $10,000 property25/50/10FloridaNo-faultNo bodily injury requirementPIP $10k + PD $10kGeorgia$25,000 / $50,000 bodily injury · $25,000 property25/50/25HawaiiNo-fault$40,000 / $80,000 bodily injury · $20,000 property40/80/20Idaho$25,000 / $50,000 bodily injury · $15,000 property25/50/15Illinois$25,000 / $50,000 bodily injury · $20,000 property25/50/20Indiana$25,000 / $50,000 bodily injury · $25,000 property25/50/25Iowa$20,000 / $40,000 bodily injury · $15,000 property20/40/15KansasNo-fault$25,000 / $50,000 bodily injury · $25,000 property25/50/25KentuckyChoice no-fault$25,000 / $50,000 bodily injury · $25,000 property25/50/25Louisiana$15,000 / $30,000 bodily injury · $25,000 property15/30/25Maine$50,000 / $100,000 bodily injury · $25,000 property50/100/25Maryland$30,000 / $60,000 bodily injury · $15,000 property30/60/15MassachusettsNo-fault$25,000 / $50,000 bodily injury · $30,000 property25/50/30MichiganNo-fault$50,000 / $100,000 bodily injury · $10,000 property50/100/10MinnesotaNo-fault$30,000 / $60,000 bodily injury · $10,000 property30/60/10Mississippi$25,000 / $50,000 bodily injury · $25,000 property25/50/25Missouri$25,000 / $50,000 bodily injury · $25,000 property25/50/25Montana$25,000 / $50,000 bodily injury · $20,000 property25/50/20Nebraska$25,000 / $50,000 bodily injury · $25,000 property25/50/25Nevada$25,000 / $50,000 bodily injury · $20,000 property25/50/20New HampshireNot mandatory$25,000 / $50,000 bodily injury · $25,000 property25/50/25New JerseyChoice no-fault$35,000 / $70,000 bodily injury · $25,000 property35/70/25New Mexico$25,000 / $50,000 bodily injury · $10,000 property25/50/10New YorkNo-fault$25,000 / $50,000 bodily injury · $10,000 property25/50/10North Carolina$50,000 / $100,000 bodily injury · $50,000 property50/100/50North DakotaNo-fault$25,000 / $50,000 bodily injury · $25,000 property25/50/25Ohio$25,000 / $50,000 bodily injury · $25,000 property25/50/25Oklahoma$25,000 / $50,000 bodily injury · $25,000 property25/50/25Oregon$25,000 / $50,000 bodily injury · $20,000 property25/50/20PennsylvaniaChoice no-fault$15,000 / $30,000 bodily injury · $5,000 property15/30/5Rhode Island$25,000 / $50,000 bodily injury · $25,000 property25/50/25South Carolina$25,000 / $50,000 bodily injury · $25,000 property25/50/25South Dakota$25,000 / $50,000 bodily injury · $25,000 property25/50/25Tennessee$25,000 / $50,000 bodily injury · $25,000 property25/50/25Texas$30,000 / $60,000 bodily injury · $25,000 property30/60/25UtahNo-fault$25,000 / $65,000 bodily injury · $15,000 property25/65/15Vermont$25,000 / $50,000 bodily injury · $10,000 property25/50/10Virginia$50,000 / $100,000 bodily injury · $25,000 property50/100/25Washington$25,000 / $50,000 bodily injury · $10,000 property25/50/10West Virginia$25,000 / $50,000 bodily injury · $25,000 property25/50/25Wisconsin$25,000 / $50,000 bodily injury · $10,000 property25/50/10Wyoming$25,000 / $50,000 bodily injury · $20,000 property25/50/20

What the coverages mean

Bodily injury liability
Pays for injuries you cause to other people.
Property damage liability
Pays for damage you cause to other people’s cars and property.
Personal injury protection (PIP)
Pays your own and your passengers’ medical bills (and in some states lost wages) no matter who caused the crash. Required in no-fault states and some others.
Uninsured / underinsured motorist (UM/UIM)
Pays you when the at-fault driver has no insurance or too little.

No-fault classification: Insurance Information Institute – Background on no-fault auto insurance.

How to compare car insurance quotes

  1. Decide your limits before you shop. The state minimum is a legal floor, not a recommendation. If you cause a crash, you are personally responsible for damages above your limits. Pick the same liability limits (for example 100/300/100), deductibles and optional coverages for every quote so you compare like with like.
  2. Get at least three quotes. Ask direct-selling insurers, a captive agent and an independent agent or broker. Prices for the same driver and car can differ a lot between companies, because each insurer uses its own rating rules.
  3. Give the same, accurate information. Use the same garaging ZIP code, annual mileage, drivers, violations and vehicle details (VIN) for each quote. A quote based on wrong information can change after the insurer checks your records.
  4. Compare the coverage, not just the price. Check liability limits, uninsured/underinsured motorist limits, deductibles, rental and towing, and whether the policy pays original-manufacturer parts. A cheaper quote with lower limits is not the same product.
  5. Ask about discounts. Common discounts include bundling home and auto, multi-car, good driver, good student, defensive-driving courses, paying in full and automatic payments. Telematics (usage-based) programs track how you drive — read what data is collected before enrolling.
  6. Check the company and the agent. Confirm the insurer and agent are licensed with your state insurance department, and look up the company’s complaint record with the NAIC Consumer Insurance Search before you buy.
  7. Do not let coverage lapse. Start the new policy before you cancel the old one. A gap in coverage can mean fines, registration suspension and higher prices later.

Research an insurer’s complaint history: NAIC – How to file and research complaints against insurance carriers. We do not rank insurers or show quotes.

Questions & answers

What does 25/50/25 mean?

It is shorthand for liability limits in thousands of dollars: $25,000 for injuries to one person, $50,000 total for all injuries in one accident, and $25,000 for damage to other people’s property. Liability pays others when you cause a crash; it does not pay for your own car.

Which states are no-fault?

According to the Insurance Information Institute, 12 states have no-fault laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah. In Kentucky, New Jersey, Pennsylvania, drivers can choose a no-fault or a traditional tort policy (choice no-fault).

Which state has the highest minimum car insurance?

North Carolina’s 50/100/50 has the highest property damage minimum. Alaska, Maine, Michigan (lowest purchasable limit), North Carolina and Virginia require $50,000 per person in bodily injury liability.

Is the state minimum enough?

Usually not if you have savings or a home to protect. Medical bills and car repairs can easily exceed $25,000. If damages exceed your limits you can be sued for the difference, so many drivers buy higher limits such as 100/300/100.

Where do these numbers come from?

Each state’s figures were read on that state’s DMV, insurance department or statute page, linked on its page, and checked October 28, 2026. Laws change — always confirm with your insurer or the official source.