Minimum Auto Insurance Coverage Requirements by State

As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state. Each state has their own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. It’s a good idea to compare a few different auto insurance quotes using the same coverage selection to be sure you’re getting the best deal. You will probably find that your quotes vary dramatically by company– it’s not uncommon to see rates vary by as much as $500!

You’ll notice that most states include three numbers, such as 20/40/10. These are called “split limits” for liability insurance. What this means is that the state requires $20,000 in coverage for damages to another person, $40,000 in coverage for bodily injuries to all injured parties, and $10,000 in coverage for property damage.

Select Your State:

Alabama: Alabama auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 20/40/10
• No fault insurance not required.
• Get an Alabama auto insurance quote »

Alaska: Alaska auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 50/100/25
• No fault insurance not required.
• Get an Alaska auto insurance quote »

Arizona: Arizona auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 15/30/10
• No fault insurance not required.
• Get an Arizona auto insurance quote »

Arkansas: Arkansas auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get an Arkansas auto insurance quote »

California: California auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 15/30/5
• No fault insurance not required.
• Get a California auto insurance quote »

Colorado: Colorado auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/15
• No fault insurance not required.
• Get a Colorado auto insurance quote »

Connecticut: Connecticut auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 20/40/10
• No fault insurance not required.
• Get a Connecticut auto insurance quote »

Delaware: Delaware auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 15/30/10
• No fault insurance not required.
• Get a Delaware auto insurance quote »

Washington DC: Washington DC auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance IS required.
• Get a Washington DC auto insurance quote »

Florida: Florida auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 10/20/10
• No fault insurance IS required.
• Get a Florida auto insurance quote »

Georgia: Georgia auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get a Georgia auto insurance quote »

Hawaii: Hawaii auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 20/40/10
• No fault insurance IS required.
• Get a Hawaii auto insurance quote »

Idaho: Idaho auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 25/50/15
• No fault insurance not required.
• Get an Idaho auto insurance quote »

Illinois: Illinois auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 20/40/15
• No fault insurance not required.
• Get an Illinois auto insurance quote »

Indiana: Indiana auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get an Indiana auto insurance quote »

Iowa: Iowa auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 20/40/15
• No fault insurance not required.
• Get an Iowa auto insurance quote »

Kansas: Kansas auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.
• Get a Kansas auto insurance quote »

Kentucky: Kentucky auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.
• Get a Kentucky auto insurance quote »

Louisiana: Louisiana auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 10/20/10
• No fault insurance not required.
• Get a Louisiana auto insurance quote »

Maine: Maine auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 50/100/25
• No fault insurance not required.
• Get a Maine auto insurance quote »

Maryland: Maryland auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and uninsured and underinsured motorist required
• Liability limits: 20/40/15
• No fault insurance not required.
• Get a Maryland auto insurance quote »

Massachusetts: Massachusetts auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection, uninsured motorist required
• Liability limits: 20/40/5
• No fault insurance IS required.
• Get a Massachusetts auto insurance quote »

Michigan: Michigan auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection required
• Liability limits: 20/40/10
• No fault insurance IS required.
• Get a Michigan auto insurance quote »

Minnesota: Minnesota auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and personal injury protection, uninsured motorist required
• Liability limits: 30/60/10
• No fault insurance IS required.
• Get a Minnesota auto insurance quote »

Mississippi: Mississippi auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 10/20/5
• No fault insurance not required.
• Get a Mississippi auto insurance quote »

Missouri: Missouri auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and uninsured motorist required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Missouri auto insurance quote »

Montana: Montana auto insurance minimum coverage requirements:

• Bodily injury and property damage liability and required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Montana auto insurance quote »

Nebraska: Nebraska auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured and underinsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get a Nebraska auto insurance quote »

Nevada: Nevada auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 15/30/10
• No fault insurance not required.
• Get a Nevada auto insurance quote »

New Hampshire: New Hampshire auto insurance minimum coverage requirements:

• Proof of financial responsibility, medical payments, uninsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get a New Hampshire auto insurance quote »

New Jersey: New Jersey auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, personal injury protection, uninsured motorist required
• Liability limits: 15/30/5
• No fault insurance IS required.
• Get a New Jersey auto insurance quote »

New Mexico: New Mexico auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a New Mexico auto insurance quote »

New York: New York auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured motorist, personal injury protection required
• Liability limits: 25/50/10
• No fault insurance IS required.
• Get a New York auto insurance quote »

North Carolina: North Carolina auto insurance minimum coverage requirements:

• Bodily injury and property damage liabilityrequired
• Liability limits: 30/60/25
• No fault insurance not required.
• Get a North Carolina auto insurance quote »

North Dakota: North Dakota auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
• Liability limits: 25/50/25
• No fault insurance IS required.
• Get a North Dakota auto insurance quote »

Ohio: Ohio auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 12.5/25/7.5
• No fault insurance not required.
• Get an Ohio auto insurance quote »

Oklahoma: Oklahoma auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get an Oklahoma auto insurance quote »

Oregon: Oregon auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get an Oregon auto insurance quote »

Pennsylvania: Pennsylvania auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, medical paymentsrequired
• Liability limits: 15/30/5
• No fault insurance IS required.
• Get a Pennsylvania auto insurance quote »

Rhode Island: Rhode Island auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get a Rhode Island auto insurance quote »

South Carolina: South Carolina auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 15/30/10
• No fault insurance not required.
• Get a South Carolina auto insurance quote »

South Dakota: South Dakota auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 25/50/25
• No fault insurance not required.
• Get a South Dakota auto insurance quote »

Tennessee: Tennessee auto insurance minimum coverage requirements:

• Proof of financial responsibility required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Tennessee auto insurance quote »

Texas: Texas auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 30/60/30
• No fault insurance not required.
• Get a Texas auto insurance quote »

Utah: Utah auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
• Liability limits: 25/50/15
• No fault insurance IS required.
• Get a Utah auto insurance quote »

Vermont: Vermont auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured motorist required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Vermont auto insurance quote »

Virginia: Virginia auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured and underinsured motorist required
• Liability limits: 25/50/20
• No fault insurance not required.
• Get a Virginia auto insurance quote »

Washington: Washington auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Washington auto insurance quote »

West Virginia: West Virginia auto insurance minimum coverage requirements:

• Bodily injury and property damage liability, uninsured motorist
• Liability limits: 20/40/10
• No fault insurance not required.
• Get a West Virginia auto insurance quote »

Wisconsin: Wisconsin auto insurance minimum coverage requirements:

• Proof of financial responsibility, uninsured motorist
• Liability limits: 25/50/10
• No fault insurance not required.
• Get a Wisconsin auto insurance quote »

Wyoming: Wyoming auto insurance minimum coverage requirements:

• Bodily injury and property damage liability required
• Liability limits: 25/50/20
• No fault insurance not required.
• Get a Wyoming auto insurance quote »