Car insurance requirements by state
State-by-state minimum car-insurance requirements, taken straight from each state's statutes and insurance department — not copied from another comparison site. Every state sets its own floor: the minimum liability limits you must carry, whether it is a no-fault or at-fault state, and whether extras like uninsured-motorist or personal-injury-protection coverage are required. These limits change when a legislature acts, and getting them wrong can mean driving illegally or underinsured. Each page here gives your state's current minimums, what they actually protect (and where they fall short), and the penalties for driving without coverage, with the source cited and a licensed agent's review behind it. Find your state to see exactly what the law requires.
- Alabama Car Insurance Requirements (25/50/25)
Alabama requires 25/50/25 liability coverage. See minimums, penalties for driving uninsured, SR-22 rules, and how much coverage you really need.
- Alaska Minimum Car Insurance Requirements 2026
Alaska requires 50/100/25 minimum car insurance liability. See state limits, fault rules, SR-22 duration and penalties for driving uninsured.
- Arizona Car Insurance Requirements
Arizona requires 25/50/15 minimum car insurance. Learn the liability limits, tort fault rules, SR-22 filing, and how much coverage you need.
- Arkansas Car Insurance Requirements
Arkansas requires 25/50/25 minimum car insurance. Learn liability limits, PIP, uninsured motorist rules, SR-22 filings, and penalties.
- California Car Insurance Requirements (2025 Minimums)
California now requires 30/60/15 liability coverage as of January 2025 under SB 1107. See minimum limits, fault rules, SR-22 rules and penalties.
- Colorado Car Insurance Requirements
Colorado requires 25/50/15 minimum car insurance. Learn the state limits, at-fault rules, SR-22 filing, and penalties for driving uninsured.
- Connecticut Minimum Car Insurance Requirements 2026
Connecticut requires 25/50/25 auto liability plus uninsured motorist coverage. See minimum limits, penalties for lapses, and reinstatement rules.
- DC Minimum Car Insurance Requirements (2026)
District of Columbia requires 25/50/10 liability plus uninsured motorist coverage. See DC minimum limits, penalties, and SR-22 rules.
- Delaware Minimum Car Insurance Requirements (2026)
Delaware requires 25/50/10 liability plus PIP. See the state minimums, fault rules, penalties, and reinstatement proof for driving uninsured.
- Florida Minimum Car Insurance Requirements 2026
Florida requires $10,000 PIP and $10,000 PDL to register a car. See current no-fault minimums, SR-22 and FR-44 rules, and how much you really need.
- Georgia Minimum Car Insurance Requirements 2026
Georgia requires 25/50/25 liability insurance. See the current minimums, the at-fault system, uninsured-motorist rules, SR-22 triggers and penalties.
- Hawaii Minimum Car Insurance Requirements (2026)
Hawaii requires 40/80/20 liability plus 10,000 PIP as of January 1, 2026. See the current no-fault minimums, penalties, and reinstatement rules.
- Idaho Minimum Car Insurance Requirements (2026 Guide)
Idaho requires 25/50/15 liability car insurance. See the minimum limits, at-fault rules, SR-22 duration, and penalties for driving uninsured.
- Illinois Minimum Car Insurance Requirements
Illinois requires 25/50/20 liability plus 25/50 uninsured-motorist coverage. See the current 2026 minimums, the tort system, SR-22 rules and penalties.
- Indiana Minimum Car Insurance Requirements
Indiana requires 25/50/25 liability coverage plus uninsured motorist coverage. See current minimums, penalties, and SR-22 filing rules.
- Iowa Minimum Car Insurance Requirements 2026
Iowa requires 20/40/15 minimum liability car insurance. Learn the limits, at-fault rules, SR-22 filing duration, and how much coverage to buy.
- Kansas Minimum Car Insurance Requirements
Kansas requires 25/50/25 liability plus PIP and uninsured motorist coverage. See current minimum limits, penalties, and SR22 rules.
- Kentucky Car Insurance Requirements
Kentucky requires 25/50/25 liability plus 10,000 dollars PIP. See the current minimum limits, no-fault rules, penalties, and SR-22 filing facts.
- Louisiana Car Insurance Requirements
Louisiana requires 15/30/25 minimum liability car insurance. See current state minimums, fault rules, penalties, and SR-22 filing details.
- Maine Minimum Car Insurance Requirements (2026 Guide)
Maine requires 50/100/25 liability plus 2,000 MedPay and 50/100 uninsured motorist coverage. Compare minimum limits, penalties, and reinstatement.
- Maryland Minimum Car Insurance Requirements
Maryland requires 30/60/15 liability plus uninsured motorist and PIP coverage. See the current minimums, penalties, and how much you really need.
- Massachusetts Car Insurance Requirements
Massachusetts requires 25/50/30 liability plus 8000 PIP no-fault coverage. See the July 2025 minimum limits, penalties, and how much you need.
- Michigan Car Insurance Requirements
Michigan requires no-fault auto insurance with PIP, PPI, and bodily injury liability. See minimum limits, PIP choices, penalties, and how to compare.
- Minnesota Minimum Car Insurance Requirements (2026)
Minnesota requires 30/60/10 liability, 40000 in no-fault PIP, plus UM and UIM. See the state minimums, penalties and reinstatement rules.
- Mississippi Minimum Car Insurance Requirements 2026
Mississippi requires 25/50/25 liability car insurance. See minimum limits, uninsured penalties, SR-22 rules and how much coverage you need.
- Missouri Minimum Car Insurance Requirements
Missouri requires 25/50/25 liability plus uninsured motorist coverage. See current 2025 minimums, penalties, SR-22 rules and how much to buy.
- Montana Minimum Car Insurance Requirements (2026)
Montana requires 25/50/20 liability car insurance. See the state minimums, penalties, SR-22 rules, and how to compare MT quotes.
- Nebraska Minimum Car Insurance Requirements (2026)
Nebraska requires 25/50/25 liability plus uninsured and underinsured motorist coverage. See minimum limits, SR-22 rules, and penalties.
- Nevada Minimum Car Insurance Requirements
Nevada requires 25/50/20 liability car insurance. See the current minimums, fault rules, SR-22 triggers, and penalties for driving uninsured.
- New Hampshire Minimum Car Insurance Requirements
New Hampshire does not mandate car insurance but a policy must carry 25/50/25 limits plus 1000 MedPay. Learn the financial responsibility rules.
- New Jersey Car Insurance Requirements
New Jersey requires 35/70/25 liability plus PIP and uninsured motorist coverage in 2026. See the minimums, no fault rules, and penalties.
- New Mexico Minimum Car Insurance Requirements (2026)
New Mexico requires 25/50/10 liability car insurance. See the minimum limits, fault rules, uninsured penalties, and how much coverage you need.
- New York Car Insurance Requirements 2026
New York requires 25/50/10 liability plus 50,000 no-fault PIP and uninsured motorist coverage. See minimums, penalties, and how much you really need.
- North Carolina Car Insurance Requirements
North Carolina requires 50/100/50 auto liability plus UM and UIM coverage as of July 1 2025. See the minimums, penalties, and how much you need.
- North Dakota Minimum Car Insurance Requirements
North Dakota requires 25/50/25 liability plus 30000 no-fault PIP and UM/UIM coverage. See minimums, penalties, and SR-22 rules.
- Ohio Car Insurance Requirements: 25/50/25 Minimum
Ohio requires 25/50/25 minimum car insurance liability. See required coverages, penalties for driving uninsured, SR-22 rules, and how much you really need.
- Oklahoma Minimum Car Insurance Requirements
Oklahoma requires 25/50/25 minimum car insurance liability. See current limits, fault rules, SR-22 filings, penalties, and how much you need.
- Oregon Minimum Car Insurance Requirements (2026)
Oregon requires 25/50/20 liability plus 15000 PIP and uninsured motorist coverage. See minimums, fault rules, penalties, and 2026 SR-22 changes.
- Pennsylvania Car Insurance Requirements
Pennsylvania requires 15/30/5 liability plus 5,000 in medical benefits. See PA minimum car insurance rules, no-fault tort options, and penalties.
- Rhode Island Minimum Car Insurance Requirements 2026
Rhode Island requires 25/50/25 minimum car insurance. Learn the liability limits, fault rules, penalties, and why RI dropped SR-22 filings.
- South Carolina Car Insurance Requirements
South Carolina requires 25/50/25 liability plus uninsured motorist coverage. See minimum limits, penalties, SR-22 rules, and how much you need.
- South Dakota Minimum Car Insurance Requirements 2026
South Dakota requires 25/50/25 liability plus uninsured and underinsured motorist coverage. See minimums, penalties, and SR-22 reinstatement rules.
- Tennessee Car Insurance Requirements (2026)
Tennessee requires 25/50/25 minimum liability car insurance. See current limits, uninsured driving penalties, SR-22 rules, and coverage tips.
- Texas Minimum Car Insurance Requirements (30/60/25)
Texas requires 30/60/25 liability insurance: 30k bodily injury per person, 60k per crash, 25k property damage. See fault rules, PIP, and SR-22 facts.
- Utah Car Insurance Requirements: 30/65/25 Minimums
Utah requires 30/65/25 liability plus 3000 PIP no-fault coverage. See the 2025 minimums, penalties, SR-22 rules, and how much you need.
- Vermont Minimum Car Insurance Requirements (2026)
Vermont requires 25/50/10 liability plus uninsured motorist coverage. See minimum limits, penalties, SR-22 rules, and how much coverage you need.
- Virginia Car Insurance Requirements (2025)
Virginia requires 50/100/25 minimum car insurance as of January 2025 plus uninsured motorist coverage. See limits, penalties and SR-22 rules.
- Washington Car Insurance Requirements
Washington requires 25/50/10 minimum car insurance. Learn the state rules, PIP and UM options, SR-22 filings, and penalties for driving uninsured.
- West Virginia Minimum Car Insurance Requirements
West Virginia requires 25/50/25 liability plus uninsured motorist coverage. See the minimums, penalties, and how much coverage you really need.
- Wisconsin Car Insurance Requirements
Wisconsin requires 25/50/10 liability plus uninsured motorist coverage. See minimum limits, penalties, SR-22 rules and how much you need.
- Wyoming Minimum Car Insurance Requirements 2026
Wyoming requires 25/50/20 liability car insurance. See minimum limits, at-fault rules, SR-22 filing duration, penalties, and how much coverage you need.
