State minimum car insurance coverage

Car insurance requirements vary by state. Do you know what’s required in yours?

Car insurance can be tricky: Most states require at least a specified minimum coverage for bodily injury and property damages, but it’s not always easy to find out what that coverage is. To help you purchase the car insurance you need, we gathered the requirements for all 50 states and Washington, DC, along with the site for your your state’s official commissioner so that you learn more.

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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

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