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.

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:

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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Alabama: Alabama auto insurance minimum coverage requirements:

Alaska: Alaska auto insurance minimum coverage requirements:

Arizona: Arizona auto insurance minimum coverage requirements:

Arkansas: Arkansas auto insurance minimum coverage requirements:

California: California auto insurance minimum coverage requirements:

Colorado: Colorado auto insurance minimum coverage requirements:

Connecticut: Connecticut auto insurance minimum coverage requirements:

Delaware: Delaware auto insurance minimum coverage requirements:

Washington DC: Washington DC auto insurance minimum coverage requirements:

Florida: Florida auto insurance minimum coverage requirements:

Georgia: Georgia auto insurance minimum coverage requirements:

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:

Illinois: Illinois auto insurance minimum coverage requirements:

Indiana: Indiana auto insurance minimum coverage requirements:

Iowa: Iowa auto insurance minimum coverage requirements:

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:

Louisiana: Louisiana auto insurance minimum coverage requirements:

Maine: Maine auto insurance minimum coverage requirements:

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:

Michigan: Michigan auto insurance minimum coverage requirements:

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:

Missouri: Missouri auto insurance minimum coverage requirements:

Montana: Montana auto insurance minimum coverage requirements:

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:

New Hampshire: New Hampshire auto insurance minimum coverage requirements:

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:

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:

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:

Oklahoma: Oklahoma auto insurance minimum coverage requirements:

Oregon: Oregon auto insurance minimum coverage requirements:

Pennsylvania: Pennsylvania auto insurance minimum coverage requirements:

Rhode Island: Rhode Island auto insurance minimum coverage requirements:

South Carolina: South Carolina auto insurance minimum coverage requirements:

South Dakota: South Dakota auto insurance minimum coverage requirements:

Tennessee: Tennessee auto insurance minimum coverage requirements:

Texas: Texas auto insurance minimum coverage requirements:

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:

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:

West Virginia: West Virginia auto insurance minimum coverage requirements:

Wisconsin: Wisconsin auto insurance minimum coverage requirements:

Wyoming: Wyoming auto insurance minimum coverage requirements:

About the

Total Articles: 352
David Weliver is the founder of Money Under 30. He's a cited ity on personal finance and the unique money issues he faced during his first two decades as an adult. He lives in Maine with his wife and two children.

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