Auto Insurance State Guides
Auto insurance in the United States is regulated at the state level. Therefore, laws, regulations, and the required minimums could vary considerably between each state. Rates, discounts, and insurance companies available will differ as well.
Insurance Panda is proud to offer you up-to-date and in-depth guides to every state in the USA. Please click on your state below to see the legally required insurance minimums, the cheapest auto insurance companies, and the penalties for driving without insurance in your state.
Car Insurance Information for Your State
How to read the limits: Most states list minimum liability as BI/BI/PD — bodily injury per person / bodily injury per accident / property damage per accident (in dollars). Some states require additional coverages like PIP (no-fault) or UM/UIM.
| State/Territory | Minimum Required Liability | Other Required Coverages / Notes |
|---|---|---|
| Alabama | 25/50/25 | None |
| Alaska | 50/100/25 | None |
| Arizona | 25/50/15 | None |
| Arkansas | 25/50/25 | None |
| California | 30/60/15 | None |
| Colorado | 25/50/15 | None |
| Connecticut | 25/50/25 | UM/UIM 25/50 |
| Delaware | 25/50/10 | PIP 15/30 |
| Florida | PDL $10,000 | PIP $10,000 (Florida does not require BI liability for most drivers) |
| Georgia | 25/50/25 | None |
| Hawaii | 20/40/10 | PIP $10,000 |
| Idaho | 25/50/15 | None |
| Illinois | 25/50/20 | UM 25/50 |
| Indiana | 25/50/25 | None |
| Iowa | 20/40/15 | None |
| Kansas | 25/50/25 | PIP $4,500; UM/UIM 25/50 |
| Kentucky | 25/50/25 | PIP $10,000 |
| Louisiana | 15/30/25 | None |
| Maine | 50/100/25 | UM/UIM 50/100; MedPay $2,000 |
| Maryland | 30/60/15 | UM 30/60/15; PIP $2,500 |
| Massachusetts | 25/50/30 | PIP $8,000; UM 25/50 |
| Michigan | 50/100/10 | No-fault PIP (choice options; minimum depends on selection/eligibility) |
| Minnesota | 30/60/10 | PIP $40,000; UM/UIM 25/50 |
| Mississippi | 25/50/25 | None |
| Missouri | 25/50/25 | UM/UIM 25/50 |
| Montana | 25/50/20 | None |
| Nebraska | 25/50/25 | UM/UIM 25/50 |
| Nevada | 25/50/20 | None |
| New Hampshire | 25/50/25 | Insurance optional (financial responsibility law); UM 25/50; MedPay $1,000 |
| New Jersey | 35/70/25 | Standard policy minimums; UM/UIM 35/70; PIP $15,000 |
| New Mexico | 25/50/10 | None |
| New York | 25/50/10 | PIP $50,000; UM 25/50 |
| North Carolina | 50/100/50 | UM/UIM 50/100/50 |
| North Dakota | 25/50/25 | PIP $30,000; UM/UIM 25/50 |
| Ohio | 25/50/25 | None |
| Oklahoma | 25/50/25 | None |
| Oregon | 25/50/20 | PIP $15,000; UM/UIM 25/50 |
| Pennsylvania | 15/30/5 | PIP $5,000 |
| Puerto Rico | Up to $4,500 PD | Compulsory “Seguro Obligatorio” (SRO): up to $4,500 property damage per accident (third-party vehicles) |
| Rhode Island | 25/50/25 | None |
| South Carolina | 25/50/25 | UM 25/50/25 |
| South Dakota | 25/50/25 | UM/UIM 25/50 |
| Tennessee | 25/50/25 | None |
| Texas | 30/60/25 | None |
| US Virgin Islands | 10/20/10 | Passenger vehicles (common minimum); other vehicle types may have different limits |
| Utah | 30/65/25 | PIP $3,000 |
| Vermont | 25/50/10 | UM 50/100/10 |
| Virginia | 50/100/25 | UM/UIM required (minimum generally matches the state liability minimums) |
| Washington | 25/50/10 | None |
| Washington DC | 25/50/10 | UM 25/50/5 |
| West Virginia | 25/50/25 | UM 25/50/25 |
| Wisconsin | 25/50/10 | UM 25/50 |
| Wyoming | 25/50/20 | None |