Minimum Car Insurance Requirements by State
Enter your ZIP code to compare quotes at your state minimum or at higher limits.
By the AutoQuotesByZip editorial team. Last reviewed: October 4, 2026. Each limit was checked against the state insurance department, motor vehicle agency or statute linked in the table.
Every state except New Hampshire requires drivers to carry auto insurance, and each sets its own minimum. Limits are usually written as three numbers: 25/50/25 means $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability. Some states also require personal injury protection (PIP) or uninsured motorist (UM) coverage.
Enter your ZIP code to compare quotes at your state minimum or at higher limits.
Minimum liability limits and required coverages
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| State | Liability minimum | Other required coverage / notes | Official source |
|---|---|---|---|
| Alabama | 25/50/25 | — | Alabama Department of Revenue |
| Alaska | 50/100/25 | — | Alaska DMV |
| Arizona | 25/50/15 | — | Arizona DIFI |
| Arkansas | 25/50/25 | — | Arkansas Code §27-22-104 (statute text) |
| California | 30/60/15 | Limits raised from 15/30/5 on January 1, 2025 | California DMV |
| Colorado | 25/50/15 | — | Colorado Division of Insurance |
| Connecticut | 25/50/25 | UM/UIM 25/50 | Connecticut Insurance Department |
| Delaware | 25/50/10 | PIP $15,000 per person / $30,000 per accident | Delaware DMV |
| District of Columbia | 25/50/10 | UM 25/50/5 | DC DMV |
| Florida | No BI required | PIP $10,000 + property damage liability $10,000 | Florida HSMV |
| Georgia | 25/50/25 | — | Georgia Office of Commissioner of Insurance |
| Hawaii | 40/80/20 | PIP $10,000; limits raised on January 1, 2026 | Hawaii Insurance Division (FAQ) |
| Idaho | 25/50/15 | — | Idaho Department of Insurance |
| Illinois | 25/50/20 | UM 25/50 | Illinois Department of Insurance |
| Indiana | 25/50/25 | — | Indiana Department of Insurance |
| Iowa | 20/40/15 | — | Iowa Insurance Division |
| Kansas | 25/50/25 | PIP; UM/UIM 25/50 | Kansas Statutes §40-3107 |
| Kentucky | 25/50/25 | or $60,000 single limit; PIP $10,000 | Kentucky Revised Statutes §304.39-110 |
| Louisiana | 15/30/25 | — | Louisiana Department of Insurance |
| Maine | 50/100/25 | MedPay $2,000; UM/UIM 50/100 | Maine Bureau of Insurance |
| Maryland | 30/60/15 | PIP $2,500 (may be waived); UM | Maryland MVA |
| Massachusetts | 25/50/30 | PIP $8,000; UM 25/50; limits raised on July 1, 2025 | Mass.gov |
| Michigan | 50/100/10* | Default 250/500 unless you sign a lower election; PIP medical (choice of levels); PPI $1 million | Michigan DIFS |
| Minnesota | 30/60/10 | PIP $40,000; UM/UIM 25/50 | Minnesota Commerce Department (PDF) |
| Mississippi | 25/50/25 | — | Mississippi Insurance Department |
| Missouri | 25/50/25 | UM 25/50 | Missouri Department of Insurance |
| Montana | 25/50/20 | — | Montana CSI |
| Nebraska | 25/50/25 | UM/UIM 25/50 | Nebraska Department of Insurance (PDF) |
| Nevada | 25/50/20 | — | Nevada DMV |
| New Hampshire | Not mandatory** | If you buy a policy: 25/50/25, MedPay $1,000, UM | New Hampshire Insurance Department (PDF) |
| New Jersey | 35/70/25 | Standard policy; PIP $15,000; a Basic Policy option also exists | NJ DOBI Bulletin 22-09 (PDF) |
| New Mexico | 25/50/10 | — | New Mexico MVD |
| New York | 25/50/10 | 50/100 for death; PIP $50,000; UM 25/50 | New York DFS |
| North Carolina | 50/100/50 | Limits raised on July 1, 2025 | North Carolina DOI |
| North Dakota | 25/50/25 | PIP $30,000 | North Dakota Insurance Department |
| Ohio | 25/50/25 | — | Ohio BMV |
| Oklahoma | 25/50/25 | — | Oklahoma Insurance Department |
| Oregon | 25/50/20 | PIP $15,000; UM 25/50 | Oregon DMV |
| Pennsylvania | 15/30/5 | First-party medical benefits $5,000 | Pennsylvania Insurance Department (PDF) |
| Rhode Island | 25/50/25 | or $75,000 single limit | R.I. Gen. Laws §31-32-24 |
| South Carolina | 25/50/25 | UM 25/50/25 | South Carolina Department of Insurance |
| South Dakota | 25/50/25 | UM 25/50 | South Dakota Division of Insurance |
| Tennessee | 25/50/25 | — | Tennessee Department of Commerce & Insurance |
| Texas | 30/60/25 | — | Texas Department of Insurance |
| Utah | 30/65/25 | PIP $3,000 | Utah Code §31A-22-304 |
| Vermont | 25/50/10 | UM/UIM 50/100/10 | Vermont DMV |
| Virginia | 50/100/25 | Limits raised on January 1, 2025 | Virginia DMV |
| Washington | 25/50/10 | — | Washington Office of the Insurance Commissioner |
| West Virginia | 25/50/25 | UM 25/50/25 | West Virginia Offices of the Insurance Commissioner |
| Wisconsin | 25/50/10 | UM 25/50 | Wisconsin OCI |
| Wyoming | 25/50/20 | — | Wyoming DOT (Driver Services FAQ) |
* Michigan’s default limits are 250/500; drivers may elect 50/100 in writing. ** New Hampshire requires financial responsibility rather than insurance; a policy you buy must meet 25/50/25 with $1,000 MedPay and UM. Florida requires $10,000 PIP and $10,000 property damage liability, not bodily injury liability.
Compare quotes for your ZIP code with the same limits on every quote.
Recent increases to state minimums
Several states have raised long-standing minimums: California to 30/60/15 and Virginia to 50/100/25 on January 1, 2025; Utah to 30/65/25 in 2025; Massachusetts to 25/50/30 and North Carolina to 50/100/50 on July 1, 2025; and Hawaii to 40/80/20 and New Jersey (standard policy) to 35/70/25 on January 1, 2026. Existing policies typically move to the new limits at renewal.
Why the minimum is rarely enough
Minimum liability pays other people up to the limits; it does not repair your car or pay your own injuries, and it may not cover a serious crash. A $15,000 or $25,000 property damage limit can be exhausted by a single newer vehicle, and medical costs for an injured person can exceed $25,000 quickly. Many shoppers compare a minimum quote with a quote at higher limits such as 100/300/100 to see the real price difference. If the car is financed or leased, the lender will also require collision and comprehensive — see full coverage vs liability.
States with required PIP or uninsured motorist coverage
No-fault states require personal injury protection — see no-fault states for amounts. Many states, including Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New York, Oregon, South Carolina, South Dakota, Vermont, West Virginia, Wisconsin and the District of Columbia, require uninsured or underinsured motorist coverage. Compare uninsured driver rates in our uninsured motorist guide.
Frequently asked questions
What does 25/50/25 mean on car insurance?
25/50/25 means $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability per accident.
Which states have the highest minimum car insurance?
Among current minimums, North Carolina (50/100/50), Alaska, Maine and Virginia (50/100/25) and Hawaii (40/80/20) are the highest.
Is car insurance required in every state?
Every state except New Hampshire requires auto insurance to register or drive a vehicle. New Hampshire requires drivers to show financial responsibility after certain crashes or violations.
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