Minimum Car Insurance Requirements By State

Woman making a phone call about damage on her car
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State minimum insurance requirements are the car insurance requirements for each state, by law, for their residents. These minimum requirements for each state can be found at the state insurance commissioner's website, and we have also included them here for your easy reference.

As you go down the list, you will notice that driving without insurance is illegal in almost every state. Make sure you have met the minimum insurance requirements in your state before you drive.

What Is Minimum Car Insurance? 

If you own a car, you will need car insurance that meets the minimum legal requirements for auto insurance based on the law in your state. Each state is different, which is why it is important to confirm requirements where you live. You can also contact your insurance representative if you have questions.

There are four basic types of coverage that may be included in state minimum car insurance requirements:

Car insurance liability coverages may be expressed as a series of numbers, which represent bodily injury coverage per person, bodily injury coverage per accident, and total property damage coverage. For example, car insurance coverage could be notated as $20,000/$40,000/$15,000, or 20/40/15. Such coverage would provide:

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $15,000 per accident

There isn't an insurance product called "full coverage" insurance. Rather, you may be considered fully covered with a combination of coverages. Many states only require two coverages: bodily injury liability and property damage liability.

Do All States Require Car Insurance?

Nearly all states require some level of car insurance. However, there are some special cases.

In New Hampshire, for example, the law does not require you to purchase car insurance in order to drive, but it does require you to be financially responsible, meaning you must compensate anyone you injure as a result of your driving and pay for any property damage you cause. Purchasing car insurance protects you and your family from paying high costs out-of-pocket in such an event. If you do buy insurance, New Hampshire law requires you to carry 25/50/25 coverage.

Virginia, too, offers an alternative approach to car insurance requirements. Virginia drivers must either maintain car insurance (with minimum coverage of 25/50/20) or, if they wish to assume the risk of driving without insurance, pay an uninsured motor vehicle (UMV) fee of $500. If they fail to carry insurance and fail to pay the (UMV) fee, they'll lose driving privileges.

Knowing whether state minimum liability coverage is enough for your needs depends on how much personal risk you are willing to take. If you do not have enough car insurance to cover damage caused to people or property if you have an accident, you'll have to pay the rest out-of-pocket.

Minimum Car Insurance by State

See your state's minimum requirements below.

Alabama 

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Alaska 

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Property damage liability: $25,000 per accident

Arizona

  • Bodily injury liability: $25,000 per person/$50,000 bodily per accident
  • Property damage liability: $15,000 per accident

Arkansas

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

California

  • Bodily injury liability: $15,000 per person
  • Property damage liability: $5,000 per accident
  • Bodily injury/death liability to more than one person: $30,000

Colorado

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $15,000 per accident

Connecticut

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident

Delaware

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident

Florida

  • Bodily injury liability: $10,000 per accident
  • Personal injury protection: $10,000

Georgia

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Hawaii

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection: $10,000

Idaho

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $15,000 per accident

Illinois

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

Indiana

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Iowa

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $15,000 per accident

Kansas

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
  • Personal injury protection: $4,500 per person in medical expenses, up to $900 per month for disability or loss of income, $25 per day for in-home services; $4,500 for rehabilitation; $2,000 for funeral, burial, or cremation costs

Kentucky

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Personal injury protection: $10,000

Louisiana

  • Bodily injury liability: $15,000 per person/$30,000 per accident
  • Property damage liability: $25,000 per accident

Maine

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $50,000 per person/$100,000 per accident
  • Medical payments coverage: $2,000

Maryland

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $15,000 per accident

Massachusetts

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $5,000 per accident
  • Uninsured motorist coverage: $20,000 per person/$40,000 per accident
  • Personal injury protection: $8,000

Michigan

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Property damage liability for accidents in another state: $10,000
  • Personal injury protection: $250,000 (lower options or opt-out available for Medicare and Medicaid enrollees)

Minnesota

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person
  • Uninsured/underinsured motorist coverage: $50,000 per accident
  • Personal injury protection: $40,000

Mississippi

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Missouri

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

Montana

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident

Nebraska

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

Nevada

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident

New Hampshire

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $25,000
  • Medical payments coverage: $1,000

New Jersey

  • Bodily injury liability: $15,000 per person/$30,000 per accident
  • Property damage liability: $5,000 per accident
  • Uninsured motorist bodily injury: $15,000

New Mexico

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident

New York

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident
  • Liability for death: $50,000 per person/$100,000 liability per accident
  • Personal injury protection: $50,000
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

North Carolina

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage per person: $30,000/$60,000 per accident
  • Uninsured motorist property damage coverage: $25,000 per accident

North Dakota

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
  • Personal injury protection: $30,000

Ohio

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Oklahoma

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Oregon

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident
  • Personal injury protection: $15,000

Pennsylvania

  • Bodily injury liability: $15,000 per person/$30,000 per accident
  • Property damage liability: $5,000 per accident
  • Medical benefit: $5,000

Rhode Island

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

South Carolina

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident
  • Uninsured motorist property damage coverage: $25,000

South Dakota

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident

Tennessee

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $15,000 per accident

Texas

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $25,000 per accident

Utah

  • Bodily injury liability: $25,000 per person/$65,000 per accident
  • Property damage liability: $15,000 per accident

Virginia

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident

Vermont

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $10,000 per accident

Washington

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident

Washington, D.C.

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured/underinsured motorist coverage: $20,000 per person/$50,000 per accident
  • Uninsured/underinsured motorist property damage coverage: $5,000 per accident

West Virginia

  • Bodily injury liability: $20,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person

Wisconsin

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person
  • Uninsured motorist coverage: $50,000 per accident

Wyoming

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000 per accident