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Auto insurance regulations by state
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:
- Bodily injury liability (Required in most states): For injuries the policyholder causes to someone else.
- Property damage liability (Required in most states): For damage the policyholder causes to someone else's property (usually vehicles).
- Medical payments or personal injury protection (PIP) (Required in some states): For treatment of injuries to the driver and passengers of the policyholder's car.
- Collision (Generally optional): For damage to the policyholder's car from a collision. The collision could be with another vehicle or a tree etc.
- Comprehensive (Generally optional): For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks may include fire, theft, vandalism etc.
- Uninsured motorist (Required in some states): For treatment of the policyholder's injuries that result from a collision with an uninsured driver. This coverage comes into play when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your damages.
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 |