List of all state minimum car insurance requirements | finder.com

State minimum car insurance coverage

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Find the cheapest rates for your state’s required car insurance.

Most states require at least a specified minimum coverage for bodily injury and property damages, but every state has different limits. You’ll also be required to add uninsured coverage or personal injury protection in some states. Find the limits in your state to find out how much insurance you need to have at a minimum.

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Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

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All 50 state car insurance minimums

StateMinimum requirementsState website
Alabama
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Alabama Department of Insurance
Alaska
  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Alaska Department of Commerce, Community and Economic Development Division of Insurance
Arizona
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident

In Arizona, you are not required to have auto insurance to legally drive in the state. However, if you choose not to purchase insurance, you must put up a $40,000 bond to prove you can pay for damages in case of an accident.

Arizona Department of Insurance
Arkansas
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Arkansas Insurance Department
California
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $5,000 property damage liability total per accident
California Department of Insurance
Colorado
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
Colorado Department of Regulatory Agencies
Connecticut
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $20,000 uninsured/underinsured motorist coverage per person
  • $40,000 uninsured/underinsured motorist coverage total per accident
Connecticut Department of Motor Vehicles
Delaware
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
Delaware Department of Insurance
Florida
  • $10,000 property damage liability total per accident
  • $10,000 personal injury protection
Florida Office of Insurance Regulation
Georgia
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Georgia Department of Law
Hawaii
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $10,000 personal injury protection
Hawaii Department of Commerce and Consumer Affairs
Idaho
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
Idaho Department of Insurance
Illinois
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $20,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
Illinois Department of Insurance
Indiana
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
Indiana Department of Insurance
Iowa
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
Iowa Insurance Division
Kansas
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
  • Personal injury protection (PIP) with the following minimums:
    • $4,500 per person in medical expenses
    • $900 a month for disability or loss of income
    • $2,000 for burial or cremation expenses
    • $4,500 for rehabilitation
Kansas Insurance Department
Kentucky
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $10,000 personal injury protection
Kentucky Department of Insurance
Louisiana
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Louisiana Department of Insurance
Maine
  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $50,000 uninsured motorist coverage per person
  • $100,000 uninsured motorist coverage total per accident
  • $2,000 medical expenses coverage
Maine Professional and Financial Regulation
Maryland
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
  • $30,000 uninsured/underinsured motorist coverage per person
  • $60,000 uninsured/underinsured motorist coverage per accident
  • $15,000 uninsured/underinsured property damage coverage per accident
Maryland Insurance Administration
Massachusetts
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability total per accident
  • $5,000 property damage liability total per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage total per accident
  • $8,000 personal injury protection
Massachusetts Attorney General’s Office
Michigan
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $1 million property protection — which covers buildings and parked cars

In Michigan, you are required to have no-fault car insurance that covers injuries and damages regardless of who’s at fault.

Michigan Department of Insurance and Financial Services
Minnesota
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage total per accident
  • $40,000 personal injury protection
Michigan Commerce Department
Mississippi
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Mississippi Insurance Department
Missouri
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
Missouri Department of Insurance
Montana
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
Office of the Montana State Auditor
Nebraska
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
Nebraska Department of Motor Vehicles
Nevada
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
Nevada Division of Insurance
New Hampshire

In New Hampshire, having car insurance is optional.
However if you are ever at-fault in an accident, the owner of the vehicle will still have to pay for any bodily injury or property damage. Below are the minimum limits in case one does decide to purchase insurance in New Hampshire.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage total per accident
  • $25,000 uninsured/underinsured motorist property damage coverage
  • $1,000 medical payments coverage
New Hampshire Insurance Department
New Jersey
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $5,000 property damage liability total per accident
  • $15,000 medical payments coverage
New Jersey Department of Banking and Insurance
New Mexico
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
New Mexico Motor Vehicle Division
New York
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $50,000 liability for death per person
  • $100,000 liability for death per accident
  • $50,000 personal injury protection
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
New York State Department of Financial Services
North Carolina
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $30,000 uninsured motorist coverage per person
  • $60,000 uninsured motorist coverage total per accident
  • $25,000 uninsured motorist property damage coverage total per accident
North Carolina Department of Insurance
North Dakota
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
  • $30,000 uninsured motorist property damage coverage total per accident
North Dakota Insurance Department
Ohio
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Ohio Department of Insurance
Oklahoma
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Oklahoma Insurance Commissioner
Oregon
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $20,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
  • $15,000 personal injury protection
Oregon Division of Financial Regulation
Pennsylvania
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability total per accident
  • $5,000 property damage liability total per accident
  • $5,000 medical benefits
Pennsylvania Insurance Department
Rhode Island
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Rhode Island Department of Business Regulation
South Carolina
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
  • $25,000 uninsured motorist property damage coverage
South Carolina Department of Insurance
South Dakota
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
South Dakota Department of Labor and Regulation
Tennessee
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
Tennessee Department of Commerce and Insurance
Texas
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
Texas Department of Insurance
Utah
  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability total per accident
  • $15,000 property damage liability total per accident
  • $3,000 personal injury protection
Utah Insurance Department
Vermont
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $50,000 uninsured motorist coverage per person
  • $100,000 uninsured motorist coverage total per accident
  • $10,000 uninsured motorist property damage coverage total per accident
Vermont Department of Financial Regulation
Virginia

In Virginia, you do not have to buy car insurance as long as the driver can prove they have a way to pay for injuries of property damage in case of an at-fault accident. Below are the minimums in Virginia in case you decide to purchase insurance.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $20,000 property damage liability total per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $20,000 uninsured/underinsured motorist property damage coverage per accident
Virginia State Corporation Commission
Washington
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
Washington Office of the Insurance Commissioner
Washington, DC
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $5,000 uninsured/underinsured motorist property damage coverage per accident
DC Department of Motor Vehicles
West Virginia
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $25,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
  • $25,000 uninsured motorist property damage coverage
West Virginia Offices of the Insurance Commissioner
Wisconsin
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $10,000 property damage liability total per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage total per accident
Wisconsin Office of the Commissioner of Insurance
Wyoming
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability total per accident
  • $20,000 property damage liability total per accident
Wyoming Department of Insurance

How much does state minimum insurance cost?

Average insurance rates vary by state, but expect to pay around $400 to $600 for the cheapest rates.

The good news is many online quotes automatically default to your state’s minimum requirements. You’ll also be able to see explanations of the limits and what each coverage type means, which makes it easier to understand what you’re covered for.

Cheap state minimum insurance quotes

CompanyAverage annual rateLearn more
Geico$394Read review
USAA$416Read review
Progressive$536Read review
Grange$557Read review
Mercury$564Read review
Esurance$609Read review
Kemper$615Read review
21st Century$651Read review
Allied$666Read review
Nationwide$666Read review
Allstate$693Read review
Liberty Mutual$709Read review
State Farm$726Read review
The Hartford$727Read review
Average$598Compare all reviews

Is state minimum insurance worth it?

Getting coverage for the bare minimum liability is much cheaper than getting full coverage, but it might not be enough to cover all your expenses in an accident. Consider whether you need the absolute cheapest insurance or whether you should add extra coverage or increase your maximum coverage.

If your car isn’t worth much and you don’t have a lot of other assets, the minimum insurance levels might be right for you. As you’re getting quotes, consider things like whether you often drive with other passengers or car theft rates in the area where you park your car. Start with the minimum insurance level and then add on only the coverage you need to keep your premiums low.

Bottom line

Make sure you’re covered with at least the minimum coverage limits for your state. You’ll find the cheapest rates for state minimum only coverage, but sometimes it pays to compare additional coverage you need on top of the bare minimum.

Find the cheapest rates

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