Car Insurance Guide – State Requirements

ATTENTION!

Get the best deal on car insurance from our trusted partner below.

Please enter your zip code to get started.

In order to legally operate a vehicle on the public roadways in your state, you’ll need to have an auto insurance policy that meets the state’s minimum coverage requirements.

Each state sets a minimum amount of coverage that may include:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection
  • Uninsured Motorist Protection

Most states only require you to carry Bodily Injury and Property Damage coverage.

Minimum Car Insurance Requirements by State

Find you state below to see the type of required insurance coverage and the minimum amounts you’ll need.

StateMinimum Car Insurance Requirements
Alabama$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Alaska$50,000 bodily injury liability per person

$100,000 bodily injury liability per accident

$25,000 property damage liability per accident
Arizona$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$10,000 property damage liability per accident
Arkansas$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
California$15,000 bodily injury/death liability per person

$30,000 bodily injury/death liability to more than one person

$5,000 property damage liability per accident
Colorado$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$15,000 property damage liability per accident
Connecticut$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident
Delaware$25,000 bodily injury or death per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident
Florida$10,000 property damage liability per accident

$10,000 personal injury protection
Georgia$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Hawaii$20,000 bodily injury liability per person

$40,000 bodily injury liability per accident

$10,000 property damage liability per accident

$10,000 personal injury protection
Idaho$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$15,000 property damage liability per accident
Illinois$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident
Indiana$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Iowa$20,000 bodily injury liability per person

$40,000 bodily injury liability per accident

$15,000 property damage liability per accident
Kansas$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident
Kentucky$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$10,000 personal injury protection
Louisiana$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$25,000 property damage liability per accident
Maine$50,000 bodily injury liability per person

$100,000 bodily injury liability per accident

$25,000 property damage liability per accident

$50,000 uninsured motorist coverage per person

$100,000 uninsured motorist coverage per accident

$2,000 medical payments coverage
Maryland$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$15,000 property damage liability per accident
Massachusetts$20,000 bodily injury liability per person

$40,000 bodily injury liability per accident

$5,000 property damage liability per accident

$20,000 uninsured motorist coverage per person

$40,000 uninsured motorist coverage per accident

$8,000 personal injury protection
Michigan$20,000 bodily injury liability per person

$40,000 bodily injury liability per accident

$10,000 property damage liability per accident
Minnesota$30,000 bodily injury liability per person

$60,000 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

$40,000 personal injury protection
Mississippi$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Missouri$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident
Montana$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident
Nebraska$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident
Nevada$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident
New Hampshire$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident

$25,000 uninsured/underinsured motorist property damage coverage

$1,000 medical payments coverage
New Jersey$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$5,000 property damage liability per accident

$15,000 uninsured motorist bodily injury
New Mexico$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident
New York$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$50,000 liability for death per person

$100,000 liability for death per accident

$10,000 property damage liability per accident

$50,000 personal injury protection

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident
North Carolina$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 property damage liability per accident

$30,000 uninsured motorist coverage per person

$60,000 uninsured motorist coverage per accident

$25,000 uninsured motorist property damage coverage per accident
North Dakota$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident

$30,000 personal injury protection
Ohio$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Oklahoma$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
Oregon$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident

$15,000 personal injury protection
Pennsylvania$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$5,000 property damage liability per accident

$5,000 medical benefits
Rhode Island$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident
South Carolina$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident

$25,000 uninsured motorist property damage coverage
South Dakota$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident
Tennessee$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$15,000 property damage liability per accident
Texas$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 property damage liability per accident
Utah
$25,000 bodily injury liability per person

$65,000 bodily injury liability per accident

$15,000 property damage liability per accident

$3,000 personal injury protection
Vermont$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident

$50,000 uninsured/underinsured motorist coverage per person

$100,000 uninsured/underinsured motorist coverage per accident

$10,000 uninsured/underinsured motorist property damage coverage per accident
Virginia$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident
Washington$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident
Washington DC
$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident

$20,000 uninsured/underinsured motorist coverage per person

$50,000 uninsured/underinsured motorist coverage per accident

$5,000 uninsured/underinsured motorist property damage coverage per accident
West Virginia$20,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$25,000 property damage liability per accident

$25,000 uninsured motorist coverage per person
Wisconsin$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$10,000 property damage liability per accident

$25,000 uninsured motorist coverage per person

$50,000 uninsured motorist coverage per accident
Wyoming$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident

Driving secrets they don't want you to know about. Save time. Save money.

Sign up for exclusive access.

* indicates required

Understanding a Car Insurance Policy

Most insurance policy coverage amounts are expressed as 25/50/15 or $25,000/$50,000/$15,000, which translates to:

  • $25,000 per person for bodily injury coverage.
  • $50,000 per accident for bodily injury coverage.
  • $15,000 per accident for property damage coverage. 

Your auto insurance policy will typically contain the following sections:

  • Declarations: Includes your personal information and information about your vehicle. 
  • Coverage: Includes information about the type of coverage in the policy as well as the limits for the coverages.
  • Exclusions: Includes information on things or drivers that are not covered by your policy.
  • Conditions: Includes the information about making payments, filing a claim, and resolving disputes.
  • Definitions: Terms and legal rights referred to throughout the policy document are defined.

Car Insurance Premiums

Your car insurance premium is the amount of money you’ll need to pay to maintain your coverage throughout the policy period. 

You typically have the choice to pay monthly, annually, or a few months at a time. Some insurance providers may give you a discount if you pay your entire premium upfront. 

The cost of your premium depends on:

  • The type of coverage.
  • The amount of coverage.
  • Your driving record. 
  • The type of vehicle.
  • Where you live and park the vehicle. 
  • How often you drive the vehicle. 
  • Demographics (age, gender).

Be sure to compare car insurance quotes to save the most money on premiums.

Car Insurance Deductibles

A deductible is the amount of money that you will need to pay before your coverage kicks in for your collision or comprehensive coverage.. 

The deductible you choose will affect the cost of your premium:

  • A higher deductible will mean a lower premium. 
  • A lower deductible will mean a higher premium.

If you have a $500 deductible on your policy and get into an accident that causes $1,000 in damage to your vehicle, you’ll need to pay $500 and your insurance company will pay $500.

Learn More about Other Types of Coverage and Car Insurance Scenarios

How Does Insurance Work After a Car Accident

Comprehensive Car Insurance