State-by-state rules

Every state writes its own rulebook. Search yours to see the legal minimum, whether it's a no-fault state, and the quirk that trips people up.

51 states — limits shown as bodily-injury-per-person / per-accident / property-damage, in thousands.

Last verified: August 2026. Verify current limits with your state's Department of Insurance before relying on these numbers — state minimums can change year to year. CA, MA, NC, UT, VA, HI and NJ all raised theirs in 2025–2026. Premium figures are rough national estimates for illustration only — your actual price depends on your car, ZIP code, driving record and credit.

Alabama

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,950

At-faultUM: Must be offered

Electronic insurance verification runs on random checks.

Alaska

Minimum liability: 50/100/25
Est. avg. full-coverage / yr: ~$1,600

At-faultUM: Must be offered

Some remote areas are exempt from mandatory insurance.

Arizona

Minimum liability: 25/50/15
Est. avg. full-coverage / yr: ~$2,050

At-faultUM: Must be offered

Uninsured driver rate is well above the national average.

Arkansas

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,000

At-faultUM: Must be offered

PIP must be offered but you can reject it in writing.

California

Minimum liability: 30/60/15
Est. avg. full-coverage / yr: ~$2,400

At-faultUM: Must be offered

Raised minimums in 2025 — the first increase since 1967. Credit score still can't be used to price your policy.

Colorado

Minimum liability: 25/50/15
Est. avg. full-coverage / yr: ~$2,300

At-faultUM: Must be offered

Hail claims are a huge share of comprehensive payouts.

Connecticut

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,900

At-faultUM: Required

UM/UIM is mandatory, not optional.

Delaware

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$2,100

No-faultUM: Must be offeredPIP involved

PIP of $15k/$30k is required on every policy.

Florida

Minimum liability: No BI required / 10 PD + PIP
Est. avg. full-coverage / yr: ~$3,100

No-faultUM: Must be offeredPIP involved

No bodily injury liability requirement at all — just $10k PIP and $10k property damage. Biggest gap-risk state in the country.

Georgia

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,250

At-faultUM: Must be offered

Rates climbed fast in recent years after big jury verdicts.

Hawaii

Minimum liability: 40/80/20
Est. avg. full-coverage / yr: ~$1,400

No-faultUM: Must be offeredPIP involved

Age and gender can't be used in pricing.

Idaho

Minimum liability: 25/50/15
Est. avg. full-coverage / yr: ~$1,300

At-faultUM: Must be offered

Consistently one of the cheapest states.

Illinois

Minimum liability: 25/50/20
Est. avg. full-coverage / yr: ~$1,800

At-faultUM: Required

UM bodily injury is mandatory.

Indiana

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,550

At-faultUM: Required

UM of 25/50 is required; premiums stay below the national average.

Iowa

Minimum liability: 20/40/15
Est. avg. full-coverage / yr: ~$1,450

At-faultUM: Must be offered

Deer collisions drive a lot of comprehensive claims.

Kansas

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,900

No-faultUM: RequiredPIP involved

No-fault with mandatory PIP and UM.

Kentucky

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,400

Choice no-faultUM: Must be offeredPIP involved

You can formally reject no-fault limits in writing.

Louisiana

Minimum liability: 15/30/25
Est. avg. full-coverage / yr: ~$3,300

At-faultUM: Must be offered

Routinely the most expensive state in the country.

Maine

Minimum liability: 50/100/25
Est. avg. full-coverage / yr: ~$1,100

At-faultUM: Required

High minimum limits, lowest average premiums.

Maryland

Minimum liability: 30/60/15
Est. avg. full-coverage / yr: ~$2,300

No-faultUM: RequiredPIP involved

PIP must be offered and can only be waived in writing.

Massachusetts

Minimum liability: 25/50/30
Est. avg. full-coverage / yr: ~$1,800

No-faultUM: RequiredPIP involved

Raised its minimums in 2025 — the first increase since 1988. PIP is $8k.

Michigan

Minimum liability: 50/100/10
Est. avg. full-coverage / yr: ~$2,900

No-faultUM: Not requiredPIP involved

You pick your PIP medical level, including opting out with qualifying health coverage.

Minnesota

Minimum liability: 30/60/10
Est. avg. full-coverage / yr: ~$1,900

No-faultUM: RequiredPIP involved

PIP and UM/UIM both mandatory.

Mississippi

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,850

At-faultUM: Must be offered

Rural roads, high severity crashes.

Missouri

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,000

At-faultUM: Required

UM bodily injury coverage is mandatory.

Montana

Minimum liability: 25/50/20
Est. avg. full-coverage / yr: ~$2,000

At-faultUM: Must be offered

Long driving distances push mileage-based pricing up.

Nebraska

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,800

At-faultUM: Required

UM/UIM required by statute.

Nevada

Minimum liability: 25/50/20
Est. avg. full-coverage / yr: ~$2,700

At-faultUM: Must be offered

Las Vegas metro rates skew the whole state high.

New Hampshire

Minimum liability: 25/50/25 (if carried)
Est. avg. full-coverage / yr: ~$1,300

At-faultUM: Required

Insurance isn't technically mandatory — but you must prove you can pay.

New Jersey

Minimum liability: 35/70/25
Est. avg. full-coverage / yr: ~$2,100

Choice no-faultUM: RequiredPIP involved

Basic vs. Standard policy choice trips up a lot of new drivers.

New Mexico

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$1,750

At-faultUM: Must be offered

High uninsured driver rate — UM is worth buying.

New York

Minimum liability: 25/50/10 + PIP
Est. avg. full-coverage / yr: ~$2,900

No-faultUM: RequiredPIP involved

Also requires death-benefit liability limits of 50/100.

North Carolina

Minimum liability: 50/100/50
Est. avg. full-coverage / yr: ~$1,600

At-faultUM: Required

High minimums but tightly regulated, cheap rates.

North Dakota

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,500

No-faultUM: RequiredPIP involved

No-fault state with cheap premiums.

Ohio

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,400

At-faultUM: Must be offered

One of the cheapest states for young drivers.

Oklahoma

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,100

At-faultUM: Must be offered

Hail and tornado claims spike comprehensive rates.

Oregon

Minimum liability: 25/50/20
Est. avg. full-coverage / yr: ~$1,800

At-faultUM: RequiredPIP involved

PIP and UM both mandatory in an at-fault state.

Pennsylvania

Minimum liability: 15/30/5
Est. avg. full-coverage / yr: ~$2,000

Choice no-faultUM: Must be offeredPIP involved

Limited tort saves money but restricts your right to sue. $5k MedPay is required. That $5k property-damage limit disappears fast once sensor recalibration or multi-panel damage is involved, and it won't come close to covering a serious multi-car crash.

Rhode Island

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,600

At-faultUM: Must be offered

UM/UIM isn't required if you buy only minimum liability. Dense roads, high repair costs.

South Carolina

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$2,200

At-faultUM: Required

UM required and UIM must be offered.

South Dakota

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,700

At-faultUM: Required

Cheap liability, pricey comprehensive from hail.

Tennessee

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,700

At-faultUM: Must be offered

No annual inspection in most counties.

Texas

Minimum liability: 30/60/25
Est. avg. full-coverage / yr: ~$2,300

At-faultUM: Must be offered

PIP is automatically included unless you reject it in writing.

Utah

Minimum liability: 30/65/25
Est. avg. full-coverage / yr: ~$1,700

No-faultUM: Must be offeredPIP involved

Unusual 30/65 split limit.

Vermont

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$1,200

At-faultUM: Required

Liability minimums are low but UM/UIM must be carried at 50/100.

Virginia

Minimum liability: 50/100/25
Est. avg. full-coverage / yr: ~$1,700

At-faultUM: Required

The old 'uninsured motor vehicle fee' option has been phased out.

Washington

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$1,600

At-faultUM: Must be offered

PIP must be offered; reject in writing to skip it.

West Virginia

Minimum liability: 25/50/25
Est. avg. full-coverage / yr: ~$1,800

At-faultUM: Required

UM required, UIM must be offered.

Wisconsin

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$1,500

At-faultUM: Required

UM bodily injury required; medical payments must be offered.

Wyoming

Minimum liability: 25/50/20
Est. avg. full-coverage / yr: ~$1,600

At-faultUM: Must be offered

Lowest population, low traffic density, moderate rates.

District of Columbia

Minimum liability: 25/50/10
Est. avg. full-coverage / yr: ~$2,600

Choice no-faultUM: RequiredPIP involved

You can elect no-fault benefits after a crash — a rare hybrid.