Auto insurance rules are set state by state.
Minimum limits, whether uninsured motorist coverage is compulsory, whether a carrier may use your credit — all of it is decided locally. These pages cover what each state actually requires, checked against that state’s own regulator and motor vehicle agency.
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Question 1 of 3
What’s your ZIP code?
States covered
- Alabama 25/50/25
- Alaska 50/100/25
- Arizona 25/50/15
- Arkansas 25/50/25
- California 30/60/15
- Colorado 25/50/15
- Connecticut 25/50/25
- Delaware 25/50/10
- Florida 10/10 (PIP + PDL)
- Georgia 25/50/25
- Hawaii 40/80/20
- Idaho 25/50/15
- Illinois 25/50/20
- Indiana 25/50/25
- Iowa 20/40/15
- Kansas 25/50/25
- Kentucky 25/50/25
- Louisiana 15/30/25
- Maine 50/100/25
- Maryland 30/60/15
- Massachusetts 25/50/30
- Michigan 50/100/10
- Minnesota 30/60/10
- Mississippi 25/50/25
- Missouri 25/50/25
- Montana 25/50/20
- Nebraska 25/50/25
- Nevada 25/50/20
- New Hampshire 25/50/25
- New Jersey 35/70/25
- New Mexico 25/50/10
- New York 25/50/10
- North Carolina 50/100/50
- North Dakota 25/50/25
- Ohio 25/50/25
- Oklahoma 25/50/25
- Oregon 25/50/20
- Pennsylvania 15/30/5
- Rhode Island 25/50/25
- South Carolina 25/50/25
- South Dakota 25/50/25
- Tennessee 25/50/25
- Texas 30/60/25
- Utah 25/65/15
- Vermont 25/50/10
- Virginia 30/60/20
- Washington 25/50/10
- Washington DC 25/50/10
- West Virginia 25/50/25
- Wisconsin 25/50/10
- Wyoming 25/50/20
More states are being added as each one is researched and verified. We publish a state when we can source its requirements to the state’s own agencies — not before.
How to read a state minimum
The most your insurer pays for injuries to any one person in a crash you caused.
The most it pays for everyone injured in that crash, combined.
The most it pays for the other party’s property — in practice, their vehicle.
Minimums are written as three numbers — 25/50/25, for example. The first is the most your insurer will pay for injuries to any one person in a crash you caused. The second is the most it will pay for everyone injured in that crash combined. The third is the most it will pay for the other party’s property, which in practice usually means their vehicle.
Two things follow from that. Every number is a per-crash ceiling, not a budget for the year. And anything above the ceiling is not written off — it is your personal responsibility, which is what makes a low property damage minimum the most commonly underestimated line on a policy.
A handful of states require more than liability. Some compel uninsured motorist coverage; some compel personal injury protection. Where that is true, a minimum-coverage policy in that state genuinely contains more than a minimum-coverage policy next door, and comparing the two on headline price alone will mislead you.