Car Insurance by State
Enter your ZIP code to compare auto insurance quotes in your state.
By the AutoQuotesByZip editorial team. Last reviewed: October 4, 2026. Data: official state sources, NAIC, IRC.
Every state writes its own auto insurance rules, and each state’s claims history shapes what drivers pay. Use the table below to compare the legal minimum, the average annual cost and the share of uninsured drivers in all 50 states and Washington, D.C. Detailed guides explain each state’s rules, penalties and how ZIP codes change quotes.
Enter your ZIP code to compare auto insurance quotes in your state.
State guides
Texas car insurance · Florida car insurance · California car insurance · New York car insurance · Georgia car insurance
Each guide lists at least eight sourced facts — minimum limits from the state’s own insurance department or statute, NAIC cost data, uninsured-driver estimates, theft and crash statistics — with links to the original sources.
All states at a glance
Swipe sideways to see all columns.
| State | Minimum liability (BI per person / per accident / PD) | Average annual cost, 2024 | Uninsured drivers, 2023 |
|---|---|---|---|
| Alabama | 25/50/25 | $1,178 | 16.8% |
| Alaska | 50/100/25 | $1,231 | 12.5% |
| Arizona | 25/50/15 | $1,471 | 10.6% |
| Arkansas | 25/50/25 | $1,172 | 12.1% |
| California | 30/60/15 | $1,454 | 20.4% |
| Colorado | 25/50/15 | $1,601 | 19.7% |
| Connecticut | 25/50/25 | $1,564 | 11.8% |
| Delaware | 25/50/10 | $1,620 | 17.6% |
| District of Columbia | 25/50/10 | $1,840 | 23.1% |
| Florida | No BI required | $2,018 | 20.6% |
| Georgia | 25/50/25 | $1,758 | 19.0% |
| Hawaii | 40/80/20 | $935 | 9.6% |
| Idaho | 25/50/15 | $956 | 6.4% |
| Illinois | 25/50/20 | $1,264 | 15.2% |
| Indiana | 25/50/25 | $1,019 | 14.0% |
| Iowa | 20/40/15 | $973 | 11.4% |
| Kansas | 25/50/25 | $1,064 | 12.0% |
| Kentucky | 25/50/25 | $1,150 | 14.1% |
| Louisiana | 15/30/25 | $1,880 | 11.7% |
| Maine | 50/100/25 | $935 | 5.7% |
| Maryland | 30/60/15 | $1,626 | 16.9% |
| Massachusetts | 25/50/30 | $1,504 | 7.9% |
| Michigan | 50/100/10* | $1,631 | 22.3% |
| Minnesota | 30/60/10 | $1,232 | 11.3% |
| Mississippi | 25/50/25 | $1,315 | 28.2% |
| Missouri | 25/50/25 | $1,274 | 20.7% |
| Montana | 25/50/20 | $1,081 | 7.2% |
| Nebraska | 25/50/25 | $1,108 | 9.5% |
| Nevada | 25/50/20 | $1,704 | 11.1% |
| New Hampshire | Not mandatory** | $1,073 | 10.0% |
| New Jersey | 35/70/25 | $1,748 | 14.1% |
| New Mexico | 25/50/10 | $1,180 | 24.1% |
| New York | 25/50/10 | $1,981 | 8.6% |
| North Carolina | 50/100/50 | $1,038 | 11.8% |
| North Dakota | 25/50/25 | $907 | 10.6% |
| Ohio | 25/50/25 | $1,037 | 18.5% |
| Oklahoma | 25/50/25 | $1,183 | 12.0% |
| Oregon | 25/50/20 | $1,269 | 14.7% |
| Pennsylvania | 15/30/5 | $1,267 | 11.0% |
| Rhode Island | 25/50/25 | $1,671 | 12.4% |
| South Carolina | 25/50/25 | $1,498 | 10.3% |
| South Dakota | 25/50/25 | $1,037 | 9.4% |
| Tennessee | 25/50/25 | $1,165 | 21.3% |
| Texas | 30/60/25 | $1,578 | 14.5% |
| Utah | 30/65/25 | $1,281 | 6.2% |
| Vermont | 25/50/10 | $942 | 11.8% |
| Virginia | 50/100/25 | $1,218 | 12.9% |
| Washington | 25/50/10 | $1,416 | 19.1% |
| West Virginia | 25/50/25 | $1,179 | 7.8% |
| Wisconsin | 25/50/10 | $1,015 | 15.6% |
| Wyoming | 25/50/20 | $1,012 | 6.7% |
* Michigan: 50/100 only with a signed election; the default is 250/500. ** New Hampshire does not require insurance but requires financial responsibility; policies sold must meet 25/50/25. Florida requires $10,000 PIP and $10,000 property damage liability instead of bodily injury liability.
Compare quotes for your ZIP code with the same coverage on every quote.
How to use state data when you shop
Start with the minimum, but treat it as a floor: minimum limits often fall short of the cost of a serious crash, and anything above your limits can become your personal responsibility. Next, check how common uninsured drivers are — where the rate is high, uninsured motorist coverage matters more. Finally, use the average cost as context only; your quote depends on your ZIP code, vehicle and record. The full requirement list with sources is on minimum car insurance requirements by state, and costs are broken down on average car insurance cost by state.
Sources
- State minimum requirements: see sources listed on our minimum requirements page
- NAIC, 2024 Auto Insurance Database Average Premium Supplement
- Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates for 2023)
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