Car insurance requirements by state
Minimum liability limits, required coverage, fault rules and credit rules for all 50 states and Washington, DC.
Each state sets its own car insurance rules. Pick your state for its minimum limits, how fault works after a crash, penalties for driving uninsured and official contacts.
- ALAlabama
- AKAlaska
- AZArizona
- ARArkansas
- CACalifornia
- COColorado
- CTConnecticut
- DEDelaware
- DCDistrict of Columbia
- FLFlorida
- GAGeorgia
- HIHawaii
- IDIdaho
- ILIllinois
- INIndiana
- IAIowa
- KSKansas
- KYKentucky
- LALouisiana
- MEMaine
- MDMaryland
- MAMassachusetts
- MIMichigan
- MNMinnesota
- MSMississippi
- MOMissouri
- MTMontana
- NENebraska
- NVNevada
- NHNew Hampshire
- NJNew Jersey
- NMNew Mexico
- NYNew York
- NCNorth Carolina
- NDNorth Dakota
- OHOhio
- OKOklahoma
- OROregon
- PAPennsylvania
- RIRhode Island
- SCSouth Carolina
- SDSouth Dakota
- TNTennessee
- TXTexas
- UTUtah
- VTVermont
- VAVirginia
- WAWashington
- WVWest Virginia
- WIWisconsin
- WYWyoming
Compare every state
Liability limits are shown as bodily injury per person / bodily injury per accident / property damage, in thousands of dollars. Read our guide to state minimums for what these numbers mean.
| State | Minimum liability | Other required coverage | Fault system | Credit scores in pricing |
|---|---|---|---|---|
| Alabama | 25/50/25 | — | At-fault (tort) | Restricted |
| Alaska | 50/100/25 | — | At-fault (tort) | Restricted |
| Arizona | 25/50/15 | — | At-fault (tort) | Restricted |
| Arkansas | 25/50/25 | — | At-fault (tort) | Restricted |
| California | 30/60/15 | — | At-fault (tort) | Not allowed |
| Colorado | 25/50/15 | — | At-fault (tort) | Restricted |
| Connecticut | 25/50/25 | Uninsured/underinsured motorist (UM/UIM) coverage: $25,000 per person / $50,000 per accident | At-fault (tort) | Restricted |
| Delaware | 25/50/10 | Personal injury protection (PIP): $15,000 per person / $30,000 per accident, including up to $5,000 for funeral expenses | At-fault (tort) | Restricted |
| District of Columbia | 25/50/10 | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident; Uninsured motorist property damage: $5,000, subject to a $200 deductible | At-fault (tort) | Restricted |
| Florida | No BI required; $10,000 PD | Personal injury protection (PIP): $10,000; Property damage liability (PDL): $10,000 | No-fault | Restricted |
| Georgia | 25/50/25 | — | At-fault (tort) | Restricted |
| Hawaii | 40/80/20 | Personal injury protection (PIP): at least $10,000 | No-fault | Not allowed |
| Idaho | 25/50/15 | — | At-fault (tort) | Restricted |
| Illinois | 25/50/20 | Uninsured motorist bodily injury coverage: included on liability policies at the minimum bodily injury limits ($25,000 per person / $50,000 per accident) | At-fault (tort) | Allowed |
| Indiana | 25/50/25 | — | At-fault (tort) | Allowed |
| Iowa | 20/40/15 | — | At-fault (tort) | Allowed |
| Kansas | 25/50/25 | Personal injury protection (PIP): $4,500 per person for medical expenses; $900 per month for up to one year for disability or loss of income; $25 per day for up to one year for substitution benefits; $2,000 for funeral, burial or cremation; $4,500 for rehabilitation expenses; Uninsured/underinsured motorist bodily injury: $25,000 per person / $50,000 per accident | No-fault | Allowed |
| Kentucky | 25/50/25 | Basic reparation benefits (no-fault/PIP): up to $10,000 per person; Uninsured motorist coverage: at least equal to the minimum bodily injury limits, unless rejected in a separate writing | Choice no-fault | Allowed |
| Louisiana | 15/30/25 | — | At-fault (tort) | Allowed |
| Maine | 50/100/25 | Uninsured/underinsured vehicle coverage: not less than $50,000 per person / $100,000 per accident, and generally equal to your bodily injury liability limits unless you reject that amount in writing; Medical payments: at least $2,000 per person for the driver and passengers in the insured vehicle, for costs incurred within one year of the injury; Towing and storage: up to $500 per accident when the insured vehicle is towed at an officer's request | At-fault (tort) | Restricted |
| Maryland | 30/60/15 | Personal injury protection (PIP): at least $2,500 for medical, hospital and disability benefits per person, unless waived in writing; Uninsured motorist coverage (bodily injury and property damage): generally equal to your liability limits unless waived in writing, and never lower than the required liability limits | At-fault (tort) | Restricted |
| Massachusetts | 25/50/30 | Personal injury protection (PIP): $8,000 per person; Bodily injury caused by an uninsured auto: $25,000 per person / $50,000 per accident | No-fault | Not allowed |
| Michigan | 50/100/10 minimum (250/500 default) | Personal injury protection (PIP) medical coverage: choose from unlimited, $500,000, $250,000, $250,000 with exclusions, $50,000 (limited to those with qualifying health coverage or Medicaid) or an opt-out (for those with Medicare Parts A and B); Property protection insurance (PPI): up to $1,000,000 for damage your vehicle does to others' property in Michigan | No-fault | Not allowed |
| Minnesota | 30/60/10 | Basic economic loss (no-fault/PIP) benefits: at least $40,000 per person, made up of $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral and survivor losses; Uninsured motorist coverage: at least $25,000 per person / $50,000 per accident; Underinsured motorist coverage: at least $25,000 per person / $50,000 per accident | No-fault | Allowed |
| Mississippi | 25/50/25 | — | At-fault (tort) | Allowed |
| Missouri | 25/50/25 | Uninsured motorist coverage: at least the bodily injury minimums ($25,000 per person / $50,000 per accident) | At-fault (tort) | Allowed |
| Montana | 25/50/20 | — | At-fault (tort) | Allowed |
| Nebraska | 25/50/25 | Uninsured/underinsured motorist (UM/UIM) coverage: $25,000 per person / $25,000 per accident | At-fault (tort) | Allowed |
| Nevada | 25/50/20 | — | At-fault (tort) | Restricted |
| New Hampshire | Not required; 25/50/25 financial responsibility limits | Medical payments coverage: $1,000 minimum on auto policies issued in New Hampshire (RSA 264:16) | At-fault (tort) | Allowed |
| New Jersey | 35/70/25 (Standard Policy) | Personal injury protection (PIP): at least $15,000 per person, with options up to $250,000 on a Standard Policy; Uninsured motorist (UM) coverage on the Standard Policy; not included in the Basic Policy | Choice no-fault | Restricted |
| New Mexico | 25/50/10 | — | At-fault (tort) | Allowed |
| New York | 25/50/10 | No-fault personal injury protection (PIP): $50,000 per person; Uninsured motorist (UM) coverage: $25,000 per person / $50,000 per accident | No-fault | Allowed |
| North Carolina | 50/100/50 | Uninsured/underinsured motorist (UM/UIM) coverage required on all policies | At-fault (tort) | Restricted |
| North Dakota | 25/50/25 | Basic no-fault (PIP): $30,000 per person; Uninsured motorist (UM): $25,000 per person / $50,000 per accident; Underinsured motorist (UIM): equal to the UM amount | No-fault | Restricted |
| Ohio | 25/50/25 | — | At-fault (tort) | Allowed |
| Oklahoma | 25/50/25 | — | At-fault (tort) | Allowed |
| Oregon | 25/50/20 | Personal injury protection (PIP): $15,000 per person; Uninsured motorist (UM) coverage: $25,000 per person / $50,000 per crash | At-fault (tort) | Restricted |
| Pennsylvania | 15/30/5 | First-party medical benefits: $5,000 | Choice no-fault | Restricted |
| Rhode Island | 25/50/25 | — | At-fault (tort) | Allowed |
| South Carolina | 25/50/25 | Uninsured motorist (UM) coverage: $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage (UM property damage claims carry a $200 deductible) | At-fault (tort) | Allowed |
| South Dakota | 25/50/25 | Uninsured motorist (UM) coverage on all policies; Underinsured motorist (UIM) coverage equal to the policy's bodily injury limits, up to $100,000 per person (SDCL 58-11-9) | At-fault (tort) | Allowed |
| Tennessee | 25/50/25 | — | At-fault (tort) | Allowed |
| Texas | 30/60/25 | — | At-fault (tort) | Allowed |
| Utah | 30/65/25 | Personal injury protection (PIP): $3,000 per person | No-fault | Restricted |
| Vermont | 25/50/10 | Uninsured/underinsured motorist (UM/UIM) coverage: $50,000 per person / $100,000 per accident bodily injury and $10,000 property damage | At-fault (tort) | Restricted |
| Virginia | 50/100/25 | Uninsured/underinsured motorist (UM/UIM) coverage: included on liability policies, with limits equal to your liability limits unless you request a lower amount | At-fault (tort) | Allowed |
| Washington | 25/50/10 | — | At-fault (tort) | Allowed |
| West Virginia | 25/50/25 | Uninsured motorist (UM) coverage: $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage | At-fault (tort) | Allowed |
| Wisconsin | 25/50/10 | Uninsured motorist (UM) coverage: $25,000 per person / $50,000 per accident bodily injury | At-fault (tort) | Allowed |
| Wyoming | 25/50/20 | — | At-fault (tort) | Allowed |
No-fault and choice no-fault states
Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah.
General information only. Rules change, and some states have exceptions not shown here. Confirm current requirements with your state insurance department or DMV.