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State-by-State Auto Insurance Laws and Quotes

Auto insurance regulations vary greatly from state to state. Depending on where you live, you may be required to purchase different types and levels of coverage


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Insurance regulations in your state:

The following table lists the minimum requirements in all 50 states and D.C.

Click your state's name, for an in-depth look at local auto insurance rules and regulations:


State

Required coverage types

Minimum liability limits
(in thousands)

No fault?

Alabama

bodily injury and property damage liability

20/40/10

no

Alaska

bodily injury and property damage liability

50/100/25

no

Arizona

bodily injury and property damage liability

15/30/10

no

Arkansas

bodily injury and property damage liability

25/50/25

no

California

bodily injury and property damage liability

15/30/5

no

Colorado

bodily injury and property damage liability

25/50/15

no

Connecticut

bodily injury and property damage liability, uninsured and underinsured motorist

20/40/10

no

Delaware

bodily injury and property damage liability, personal injury protection

15/30/10

no

DC

bodily injury and property damage liability, uninsured motorist

25/50/10

yes

Florida

property damage liability, personal injury protection

10/20/10

yes

Georgia

bodily injury and property damage liability

25/50/25

no

Hawaii

bodily injury and property damage liability, personal injury protection

20/40/10

yes

Idaho

bodily injury and property damage liability

25/50/15

no

Illinois

bodily injury and property damage liability, uninsured motorist

20/40/15

no

Indiana

bodily injury and property damage liability

25/50/10

no

Iowa

bodily injury and property damage liability

20/40/15

no

Kansas

bodily injury and property damage liability, personal injury protection, uninsured motorist

25/50/10

yes

Kentucky

bodily injury and property damage liability, personal injury protection

25/50/10

yes

Louisiana

bodily injury and property damage liability

10/20/10

no

Maine

bodily injury and property damage liability, uninsured and underinsured motorist

50/100/25

no

Maryland

bodily injury and property damage liability, uninsured motorist

20/40/15

no

Massachusetts

bodily injury and property damage liability, personal injury protection, uninsured motorist

20/40/5

yes

Michigan

bodily injury and property damage liability, personal injury protection

20/40/10

yes

Minnesota

bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist

30/60/10

yes

Mississippi

bodily injury and property damage liability

25/50/25

no

Missouri

bodily injury and property damage liability, uninsured motorist

25/50/10

no

Montana

bodily injury and property damage liability

25/50/10

no

Nebraska

bodily injury and property damage liability

25/50/25

no

Nevada

bodily injury and property damage liability

15/30/10

no

New Hampshire

proof of financial responsibility, uninsured motorist

25/50/25

no

New Jersey

bodily injury and property damage liability, personal injury protection, uninsured motorist

15/30/5

yes

New Mexico

bodily injury and property damage liability

25/50/10

no

New York

bodily injury and property damage liability, uninsured motorist, personal injury protection

25/50/10

yes

North Carolina

bodily injury and property damage liability

30/60/25

no

North Dakota

bodily injury and property damage liability, personal injury protection, uninsured motorist

25/50/25

yes

Ohio

bodily injury and property damage liability

12.5/25/7.5

no

Oklahoma

bodily injury and property damage liability

25/50/25

no

Oregon

bodily injury and property damage liability, personal injury protection, uninsured motorist

25/50/10

no

Pennsylvania

bodily injury and property damage liability, medical payments

15/30/5

yes

Rhode Island

bodily injury and property damage liability

25/50/25

no

South Carolina

bodily injury and property damage liability, uninsured motorist

15/30/10

no

South Dakota

bodily injury and property damage liability, uninsured motorist

25/50/25

no

Tennessee

proof of financial responsibility

25/50/10

no

Texas

bodily injury and property damage liability

20/40/15

no

Utah

bodily injury and property damage liability, personal injury protection

25/50/15

yes

Vermont

bodily injury and property damage liability, uninsured and underinsured motorist

25/50/10

no

Virginia

bodily injury and property damage liability, uninsured and underinsured motorist

25/50/20

no

Washington

bodily injury and property damage liability

25/50/10

no

West Virginia

bodily injury and property damage liability, uninsured motorist

20/40/10

no

Wisconsin

proof of financial responsibility, uninsured motorist

25/50/10

no

Wyoming

bodily injury and property damage liability

25/50/20

no



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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.