Minimum Car Insurance Requirements by State

Most states require car insurance. But not all of them want you to have the same amount. Here's a look at each state's requirements.
Man driving in traffic.

Minimum car insurance requirements exist in nearly every state. But these requirements aren’t the same everywhere. You should know what your state requires so that you can get behind the wheel with the right amount of insurance.

Not every state requires car insurance. For example, New Hampshire doesn’t require drivers to have any car insurance. But this doesn’t necessarily mean you’ll avoid paying any money to drive. You may need to pay a fee for having no coverage. Virginia is another state that doesn’t require auto insurance. However, you must pay an uninsured motorist fee of $500 if you don’t want to buy insurance.

This article will help you find your state’s minimum car insurance requirements. We’ll also go over the different types of coverages your state may require. Finally, we’ll talk about other insurance options your state may allow.

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Types of Coverage Requirements

Most states want you to have basic liability insurance. Liability coverage will help protect you from having to cover all the costs of an accident where you’re at fault. Below are the two types of liability insurance your state may require:

  • Property damage liability (PDL) coverage. This takes care of damages you cause to property such as trees, light poles, or buildings.
  • Bodily injury liability (BIL) coverage. This takes care of any injuries to other parties in an accident. This includes coverage for medical and funeral expenses, long-term care, and more.

Some states may only require you to have liability insurance. But others will require other types of coverage. These include:

  • Uninsured and underinsured motorist (UM/UIM) coverage. UM/UIM will cover medical expenses if you get into an accident with a driver who either doesn’t have insurance or doesn’t have enough to cover it.
  • Personal injury protection (PIP). PIP covers injuries that you or your passengers may have in an accident. This kicks in regardless of fault. It includes coverage for medical and funeral costs, lost wages, and more.
  • Medical payments coverage (MedPay). Like PIP, MedPay will cover your medical expenses after an accident. This is the case whether you’re at fault or not. It won’t cover expenses such as lost wages.

Coverage Limits

Each state that requires liability insurance has a minimum amount of coverage that you need. Car insurance limits are the highest amount of money that your insurer will provide if you need to file a claim.

Every type of insurance you can add to your policy has a limit. But you’ll often see liability insurance limits written in a shorthand form such as “25/50/25.”

Here’s how to read limits in shorthand, using the “25/50/25” example:

  • $25,000 for injuries to one person in an accident.
  • $50,000 for injuries to everyone involved in an accident.
  • $25,000 for property damage in an accident.

Remember that your state’s required liability coverage limits are just the bare minimum. If the damages from an accident go over your insurance limits, you’ll have to pay out of pocket to cover the rest. Some states offer very little in the way of limits for BIL and PDL coverage. It’s entirely possible to set your limits higher if you can afford it.

If you’d like to find out how little a policy with much higher limits will cost, compare car insurance quotes from top companies for the best rates. A few dollars a month gets most drivers a significant increase in coverage.

Minimum Car Insurance Requirements for Every State

The following is a table containing every US state’s minimum auto insurance requirements, per the Insurance Information Institute (III):

StateRequired InsuranceMinimum Liability Coverage Limits
AlabamaBIL, PDL25/50/25
AlaskaBIL, PDL50/100/25
ArizonaBIL, PDL25/50/15
ArkansasBIL, PDL, PIP25/50/25
CaliforniaBIL, PDL15/30/5
ColoradoBIL, PDL25/50/15
ConnecticutBIL, PDL, UM/UIM25/50/25
District of ColumbiaBIL, PDL, UM25/50/10
DelawareBIL, PDL, PIP25/50/10
FloridaPDL, PIP0/0/10
GeorgiaBIL, PDL25/50/25
HawaiiBIL, PDL, PIP20/40/10
IdahoBIL, PDL25/50/15
IllinoisBIL, PDL, UM/UIM25/50/20
IndianaBIL, PDL25/50/25
IowaBIL, PDL20/40/15
KansasBIL, PDL, UM/UIM, PIP25/50/25
KentuckyBIL, PDL25/50/25
LouisianaBIL, PDL15/30/25
MaineBIL, PDL, UM/UIM, MedPay50/100/25
MarylandBIL, PDL, UM/UIM, PIP30/60/15
MassachusettsBIL, PDL, PIP20/40/5
MichiganBIL, PDL, PIP20/40/10
MinnesotaBIL, PDL, UM/UIM, PIP30/60/10
MississippiBIL, PDL25/50/25
MissouriBIL, PDL, UM25/50/25
MontanaBIL, PDL25/50/20
NebraskaBIL, PDL, UM/UIM25/50/25
NevadaBIL, PDL25/50/20
New HampshireNo required auto insurance25/50/25 (if you purchase auto insurance)
New JerseyBIL, PDL, UM/UIM, PIP15/30/5
New MexicoBIL, PDL25/50/10
New YorkBIL, PDL, UM/UIM, PIP25/50/10
North CarolinaBIL, PDL, UM/UIM30/60/25
North DakotaBIL, PDL, UM/UIM, PIP25/50/25
OhioBIL, PDL20/50/25
OklahomaBIL, PDL25/50/25
OregonBIL, PDL, UM/UIM, PIP25/50/20
PennsylvaniaBIL, PDL, PIP15/30/5
Rhode IslandBIL, PDL25/50/25
South CarolinaBIL, PDL, UM25/50/25
South DakotaBIL, PDL, UM/UIM25/50/25
TennesseeBIL, PDL25/50/15
TexasBIL, PDL30/60/25
UtahBIL, PDL, PIP25/65/15
VermontBIL, PDL, UM/UIM25/50/10
VirginiaBIL, PDL, UM/UIM25/50/20
WashingtonBIL, PDL25/50/10
West VirginiaBIL, PDL, UM25/50/25
WisconsinBIL, PDL, UM25/50/10
WyomingBIL, PDL25/50/20

Exceptions to Minimum Car Insurance Requirements

Though it’s a good idea to simply buy your state’s minimum amount of car insurance, you might have some other options. Many states include alternatives or exceptions to the usual minimum liability requirements.

Here are some examples of alternatives that many states offer:

Proof of Financial Responsibility

One example of an alternative to meeting your state’s minimum car insurance requirements is proof of financial responsibility (FR). Proof of financial responsibility means that you have a bond or certificate that proves you have enough money to cover damages in an accident. You typically must give your proof of FR to your state’s Department of Motor Vehicles (DMV).

It varies by state, but you’ll likely need to put up quite a bit of money to prove you can cover an accident. For instance, Washington requires you to get a certificate of deposit or liability bond of at least $60,000 from its Department of Licensing (DOL).

Registering as an Uninsured Motorist

Another example of an alternative to getting your state’s minimum liability insurance is to register as an uninsured driver. States that don’t require auto insurance will often let you pay a yearly fee to register as an uninsured motorist. Be aware that doing this will leave you without any auto insurance. Having no insurance will put you at risk of paying for damages to both yourself and others if an incident occurs.

Self-insurance

Some states might also allow you to become a self-insured driver. This means that, instead of seeking out an insurer, you have a certain amount of money set aside to pay for the costs of an accident. To self-insure, you’ll need to get proof of FR.

Self-insurance is normally only for wealthy people who can pay for damages and injuries in the event of an accident. Like being uninsured, self-insurance is risky and can end up with you needing to pay lots of money. Getting auto insurance from a regular insurer is the best bet for most people.

Frequently Asked Questions

Q: Do minimum car insurance requirements exist in every state?

A: Every state, except New Hampshire and Virginia, requires a minimum amount of car insurance. All the states that require car insurance also set minimum coverage limits for drivers.

Q: What are the most common types of auto insurance that states require?

A: Every state that mandates car insurance requires at least some form of liability coverage. Some states may also require:

  • Personal injury protection (PIP)
  • MedPay
  • Uninsured and/or underinsured motorist (UM/UIM) coverage

Q: Are there exceptions to my state’s car insurance requirements?

A: Some states may allow you to seek other options for auto insurance. This includes things like:

  • Getting proof of financial responsibility
  • Registering yourself as an uninsured driver for a yearly fee
  • Self-insurance

Remember that these options aren’t for everyone and usually only work if you’re willing to assume high financial risk.

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