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.

Full guide available

Coming soon

Full guides for these states are being researched and added as we go. Quick facts for every state are in the cards below.

Alabama
Alaska
Arizona
Arkansas
Colorado
Connecticut
Delaware
District of Columbia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Mexico
North Dakota
Oklahoma
Oregon
Rhode Island
South Carolina
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Quick facts for every state

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, since state minimums can change year to year. CA, MA, NC, UT, VA, HI and NJ all raised theirs in 2025 and 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.