What Is State Minimum Car Insurance?
In most states, car insurance is legally necessary. Each state has their own specific laws when it comes to car insurance, and you must follow those of the state you’re currently residing in. When first purchasing insurance or if you are moving state, it’s important to research your state’s requirements to ensure your insurance is reflective of the law.
In general, most states require some level of liability-only insurance, which will cover the expenses of the other party in an accident that you cause. In some states, MedPay or PIP is also expected so that medical expenses are covered for all involved. Given the high number of uninsured drivers on the road, there are many states that also require some level of uninsured/underinsured coverage.
The Most Affordable Quotes for State Minimum Coverage:
Is State Minimum Enough?
Whether your state’s minimum insurance is enough for you or not depends on your situation. It is the least expensive coverage option, which means you will save money at least in the short term. Some state minimums offer more protection than others, which is why your specific state’s laws are key to this discussion.
Many drivers find their state’s minimum is not enough to cover a serious accident, or the typical liability-only nature of it has too many limitations to help at all in most accidents. In these cases, having the state minimum might cost you more in the long run. Ultimately, insurance is meant to protect you. After researching the state minimum where you live, it’s best to at least consider adding additional protections on in order to truly ensure you are financially safe in the event of an accident.
State Minimum Requirements in
These are the state minimum insurance requirements for Alabama:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Alaska:
- Bodily injury liability: $50,000 max per person & $100,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Arizona:
- Bodily injury liability: $15,000 max per person & $30,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for Arkansas:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for California:
- Bodily injury liability: $15,000 max per person & $30,000 max per accident
- Property damage liability: $5,000 max per accident
These are the state minimum insurance requirements for Colorado:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $15,000 max per accident
These are the state minimum insurance requirements for Connecticut:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured/underinsured motorist bodily damage: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Delaware:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
- Personal injury protection coverage: $15,000 max per person & $30,000 max per accident
These are the state minimum insurance requirements for the District of Columbia:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
- Uninsured motorist bodily damage: $25,000 max per person & $50,000 max per accident
- Uninsured property damage: $5,000 max per accident with a $200 deductible
These are the state minimum insurance requirements for Florida, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: not required but recommended
- Property damage liability: $10,000 max per accident
- Personal injury protection: $10,000 max per person
These are the state minimum insurance requirements for Georgia:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Hawaii, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $20,000 max per person & $40,000 max per accident
- Property damage liability: $10,000 max per accident
- Personal injury protection: $10,000 max per person
These are the state minimum insurance requirements for Idaho:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $15,000 max per accident
These are the state minimum insurance requirements for Illinois:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
These are the state minimum insurance requirements for Indiana:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
- Uninsured property damage: $25,000 max per accident
- Underinsured motorist bodily injury: $50,000 max per person
These are the state minimum insurance requirements for Iowa
- Bodily injury liability: $20,000 max per person & $40,000 max per accident
- Property damage liability: $15,000 max per accident
These are the state minimum insurance requirements for Kansas, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Personal injury protection: $4,500 per person for medical expenses; $900 per month for disability/loss of income; $4,500 for rehabilitation services; $25/day for in-home services; and $2,000 for funeral-related costs
- Uninsured/underinsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Kentucky, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Alternatively, a combined single limit of $60,000
These are the state minimum insurance requirements for Louisiana:
- Bodily injury liability: $15,000 max per person & $30,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Maine:
- Bodily injury liability: $50,000 max per person & $100,000 max per accident
- Property damage liability: $25,000 max per accident
- Alternatively, a combined single limit of $125,000
These are the state minimum insurance requirements for Maryland:
- Bodily injury liability: $30,000 max per person & $60,000 max per accident
- Property damage liability: $15,000 max per accident
These are the state minimum insurance requirements for Massachusetts, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $20,000 max per person & $40,000 max per accident
- Property damage liability: $5,000 max per accident
- Personal injury protection: $8,000 per person
- Uninsured motorist bodily injury: $20,000 max per person & $40,000 max per accident
These are the state minimum insurance requirements for Michigan, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $20,000 max per person & $40,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for Mississippi:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Minnesota, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $30,000 max per person & $60,000 max per accident
- Property damage liability: $10,000 max per accident
- Personal injury protection: $40,000 per person
- Uninsured/underinsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Missouri:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for Montana:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
These are the state minimum insurance requirements for Nebraska:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured/underinsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Nevada:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
New Hampshire does not legally require car insurance. However, if you are at-fault in an accident, you will be expected to pay for all associated costs. For those who do opt for insurance, here are the minimum requirements:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for New Jersey, an optionally no-fault state, where your own insurance policy covers you, regardless of who is at fault:
- Bodily injury liability: Not mandatory but recommended minimum of $15,000 max per person & $30,000 max per accident
- Property damage liability: $5,000 max per accident
- Personal injury protection: $15,000 per person
These are the state minimum insurance requirements for New Mexico:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for New York, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident for injuries. $50,000 max per person & $100,000 max per accident for death
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for North Carolina:
- Bodily injury liability: $30,000 max per person & $60,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for North Dakota, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Personal injury protection: $30,000 per person
- Uninsured/underinsured motorist bodily injury liability: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Ohio:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Oklahoma:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured motorist bodily injury liability: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Oregon:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
- Personal injury protection: $15,000 per person
- Uninsured motorist bodily injury liability: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Pennsylvania, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $15,000 max per person & $30,000 max per accident
- Property damage liability: $5,000 max per accident
- Medical benefits: $5,000 max per person
- Alternatively, a combined single limit of $35,000
These are the state minimum insurance requirements for Rhode Island:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for South Carolina:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured/underinsured motorist bodily injury liability: $25,000 max per person & $50,000 max per accident with a $200 deductible. Underinsured is not mandatory
- Uninsured/underinsured property damage liability: $25,000 max per accident. Underinsured is not mandatory
These are the state minimum insurance requirements for South Dakota:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured motorist bodily injury liability: $25,000 max per person & $50,000 max per accident
These are the state minimum insurance requirements for Tennessee:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $15,000 max per accident
These are the state minimum insurance requirements for Texas:
- Bodily injury liability: $30,000 max per person & $60,000 max per accident
- Property damage liability: $25,000 max per accident
These are the state minimum insurance requirements for Utah, a no-fault state, where your own insurance covers you, regardless of who is at fault:
- Bodily injury liability: $25,000 max per person & $65,000 max per accident
- Property damage liability: $15,000 max per accident
- Personal injury protection: $3,000 per accident
- Uninsured/underinsured motorist bodily injury: $25,000 max per person & $65,000 max per accident is recommended but not mandatory
These are the state minimum insurance requirements for Vermont:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
- Uninsured motorist bodily injury: $50,000 max per person & $100,000 max per accident
- Uninsured property damage: $10,000 max per accident with a $150 deductible
These are the state minimum insurance requirements for Virginia:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
- Uninsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
- Uninsured property damage: $20,000 max per accident with a $200 deductible
These are the state minimum insurance requirements for Washington:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for West Virginia:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $25,000 max per accident
- Uninsured motorist bodily injury: $25,000 max per person & $50,000 max per accident
- Uninsured property damage: $25,00 max per accident
These are the state minimum insurance requirements for Wisconsin:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $10,000 max per accident
These are the state minimum insurance requirements for Wyoming:
- Bodily injury liability: $25,000 max per person & $50,000 max per accident
- Property damage liability: $20,000 max per accident
With state minimum car insurance rates for as low as $22.08/month*, you can save on the coverage you need today. Enter your zip code to start now!