Auto insurance regulations by state

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Each state has it's own minimum coverage that is required by law in order for a driver to maintain their driver's license in that state.

There are six basic auto insurance coverage components. They are:

Auto Insurance Laws By State

Auto insurance laws and regulations vary substantially from state to state. Please use our interactive map to find specific information on your particular state regarding minimum coverage requirements.

Looking for city-specific auto insurance information? Find it in our Auto Insurance City Guide.

Learn about your options for coverage and begin comparing side by side quotes from your state's leading auto insurance companies.

Requirements by State

State Coverage Type(s) Required Minimum Liability Limits* ($000)
Alabama Bodily Injury and Property Damage Liability (effective 6/2000) 20/40/10
Alaska Bodily Injury and Property Damage Liability 50/100/25
Arizona Bodily Injury and Property Damage Liability 15/30/10
Arkansas Bodily Injury and Property Damage Liability 25/50/25
California Bodily Injury and Property Damage Liability 15/30/5
Colorado Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/15
Connecticut Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist 20/40/10
Delaware Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5
District of Columbia Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
Florida Property Damage Liability, Personal Injury Protection 10/20/10
Georgia Bodily Injury and Property Damage Liability 25/50/25
Hawaii Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
Idaho Bodily Injury and Property Damage Liability 25/50/15
Illoinois Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/15
Indiana Bodily Injury and Property Damage Liability 25/50/10
Iowa Bodily Injury and Property Damage Liability 20/40/15
Kansas Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
Kentucky Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10
Louisiana Bodily Injury and Property Damage Liability 10/20/10
Maine Bodily Injury and Property Damage Liability, Uninsured Motorist, Underinsured Motorist 50/100/25
Maryland Bodily Injury and Property Damage Liability, Personal Injury Protection (may be waived for policyholder but compulsory for passengers), Uninsured Motorist 20/40/10
Massachusetts Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5
Michigan Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
Minnesota Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist 30/60/10
Mississippi Bodily Injury and Property Damage Liability 10/20/5
Missouri Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
Montana Bodily Injury and Property Damage Liability 25/50/10
Nebraska Bodily Injury and Property Damage Liability 25/50/25
Nevada Bodily Injury and Property Damage Liability 15/30/10
New Hampshire Financial Responsibility Only, Underinsured Motorist 25/50/25
New Jersey Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 15/30/5
New Mexico Bodily Injury and Property Damage Liability 25/50/10
New York Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
North Carolina Bodily Injury and Property Damage Liability 30/60/25
North Dakota Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25
Ohio Bodily Injury and Property Damage Liability 12.5/25/7.5
Oklahoma Bodily Injury and Property Damage Liability 10/20/10
Oregon Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
Pennsylvania Bodily Injury and Property Damage Liability, Medical Payments 15/30/5
Rhode Island Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
South Carolina Bodily Injury and Property Damage Liability, Uninsured Motorist 15/30/10
South Dakota Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
Tennessee Financial Responsibility Only 25/50/10
Texas Bodily Injury and Property Damage Liability 20/40/15
Utah Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/15
Vermont Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist 25/50/10
Virginia Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
Washington Bodily Injury and Property Damage Liability 25/50/10
West Virginia Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10
Wisconsin Financial Responsibility Only, Uninsured Motorist 25/50/10
Wyoming Bodily Injury and Property Damage Liability 25/50/20

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