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Car Insurance Laws by State

Car insurance is required in almost all states. Known as a mandatory minimum, drivers must purchase and maintain a certain level of car insurance in case of an accident or injury to another person or property. If you fail to maintain coverage, you could be in violation of the law. There are a handful of states that don't require you to purchase car insurance, but instead show evidence of finanaical responsibility in some other way. such as with a surety bond, a cash deposit with the state, or a certificate of self insurance.

Most insurance policies express the minimum amounts like this: 25/50/25 ($25,00/$50,000/$25,000), with the numbers corresponding to the individual’s

  1. Personal injury damages,
  2. All personal injury damages for one particular accident, and
  3. All property damages for one accident.

 

Below, you will find a state-by-state chart of car insurance laws, including the type of insurance you are required to carry and basic minimums for each coverage type. Remember, these are only minimums and you may wish to purchase additional coverage depending on your specific needs.

State

Type of Required Coverage

Minimum Liability Limits

Special Exception?

Alabama

Bodily Injury and Property Damage Liability

25/50/25

No, see Alabama Department of Revenue

Alaska

Bodily Injury and Property Damage Liability

50/100/25

No, see Alaska DMV

Arizona

Bodily Injury and Property Damage Liability

15/30/10

No, see Arizona Department of Motor Vehicles

Arkansas

Bodily Injury and Property Damage Liability

25/50/25

No, see Arkansas State Insurance Department

California

Bodily Injury and Property Damage Liability

15/30/5

Yes, see California Department of Motor Vehicles for information on cash deposit or self-insurance

Colorado

Bodily Injury and Property Damage Liability

25/50/15

No, see Rocky Mountain Insurance Information Association

Connecticut

Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist

20/40/10

No, see Connecticut Insurance Department

Delaware

Bodily Injury and Property Damage Liability, Personal Injury Protection

15/30/10

No, see Delaware Division of Motor Vehicles

District of Columbia

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/10 AND

  • uninsured motorist of $25,000
  • uninsured/underinsured motorist coverage per person
    $50,000
  • uninsured/underinsured motorist coverage per accident
    $5,000
  • uninsured/underinsured motorist property damage coverage per accident

No, see District of Columbia Department of Motor Vehicles

Florida

Property Damage Liability, Personal Injury Protection

10/20/10

No, see Florida Department of Motor Vehicles

Georgia

Bodily Injury and Property Damage

25/50 per incident/25

No, see Ga. Department of Insurance
Consumer Services Division

Hawaii

Bodily Injury and Property Damage Liability, Personal Injury Protection

20/40/10

No, see Hawaii Department of Commerce and Consumer Affairs

Idaho

Bodily Injury and Property Damage Liability

25/50/10

No, see Idaho Department of Transportation

 

Illinois

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/20, Uninsured motorist is $25,000 per person, $50,000 total per accident.

No, see Illinois Office of the Secretary of State

Indiana

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/10, Uninsured motorist is equal to the minimum limits for liability coverage

No, see Indiana Department of Insurance

Iowa

All motorists must be able to prove financial responsibility in the event of an accident. If you do purchase car insurance, at minimum must buy Bodily Injury and Property Damage Liability

Insurance not compulsory, but if you do purchase, must be 25/40/15

Yes, Iowa doesn’t have a compulsory auto insurance law; see the Financial and Safety Responsibility Act for more information.

Kansas

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

25/50/25, and Personal injury protection (PIP or No Fault)

  • Uninsured/Underinsured
    • $25,000/person
    • $50,000/accident
    • Survivor Benefits: Disability/loss of income up to $900/month for one year
    • In-home services up to $25/day for one year
      • $4,500/person for medical expenses
      • $900/month for one year for disability/loss of income
      • $25/day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense

No, see Kansas Insurance Department

Kentucky

Bodily Injury and Property Damage Liability, Personal Injury Protection

25/50/10 and 10 (personal injury protection)

No, see Kentucky Transportation Cabinet

Louisiana

Bodily Injury and Property Damage Liability

15/30/25

No, see Louisiana Office of Motor Vehicles

Maine

Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist

50/100/25 plus:
$50,000 uninsured motorist coverage per person
$100,000 uninsured motorist coverage per accident
$2,000 medical payments coverage

No, see Maine Department of Insurance

Maryland

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

30/60/15

No, see Maryland Motor Vehicle Administration

Massachusetts

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

20/40/5 and
$20,000 uninsured motorist coverage per person
$40,000 uninsured motorist coverage per accident
$8,000 personal injury protection

No, see Massachusetts Attorney General

Michigan

Bodily Injury and Property Damage Liability, Personal Injury Protection

20/40/10

No, see Department of Insurance and Financial Services

Minnesota

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist

30/60/10, Liability, Personal Injury Protection

  • $20,000 for medical coverage.
  • $20,000 for loss of income

Uninsured Motorist 25/50.

No, see Minnesota Department of Public Safety

Mississippi

Bodily Injury and Property Damage

25/50/25

No, see Mississippi Insurance Department

Missouri

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/10 and uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident

No, see Missouri Department of Revenue

Montana

Bodily Injury and Property Damage Liability

25/50/10

Yes, see Montana Motor Vehicle Division

Nebraska

Bodily Injury and Property Damage Liability

25/50/25

No, see Nebraska Department of Motor Vehicles

Nevada

Bodily Injury and Property Damage Liability

15/30/10

No, see Nevada Department of Motor Vehicles

New Hampshire

Not required to purchase car insurance, but if you do, there are mandatory minimums

25/50/25

Yes, see New Hampshire Division of Motor Vehicles

New Jersey

Bodily Injury and Property Damage Liability, Personal Injury Protection

 

15/30/5 and $15,000 personal injury protection

No, see Department of Insurance & Banking

New Mexico

Bodily Injury and Property Damage Liability

25/50/10

No, see New Mexico Motor Vehicle Department

New York

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

25/50/10

No, see New York Department of Motor Vehicles

North Carolina

Bodily Injury and Property Damage Liability

30/60/25

No, see North Carolina Department of Insurance

North Dakota

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

25/50/25, uninsured motorist must be $25,000 per person/ $50,000 per accident.

No, see North Dakota Insurance Department

Ohio

Demonstrate Financial Responsibility (FR) or maintaining minimum insurance

25/50/35

Yes, See Ohio Department of Motor Vehicles, can either purchase car insurance or demonstrate financial responsibility

Oklahoma

Bodily Injury and Property Damage Liability

25/50/25

No, see Oklahoma Department of Public Safety

Oregon

Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist

25/50/25

No, see Oregon Department of Transportation

Pennsylvania

Bodily Injury and Property Damage Liability, Personal Injury Protection

15/30/5

Yes, see PennDOT for information on self insurance

Rhode Island

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/25

No, see Rhode Island Division of Motor Vehicles

South Carolina

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/25

No, see South Carolina Department of Insurance

South Dakota

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/25

No, see South Dakota Department of Public Safety

Tennessee

Bodily Injury and Property Damage Liability

25/50/15

No, see Tennessee DMV

Texas

Bodily Injury and Property Damage Liability

30/60/25

No, see Texas Department of Insurance

Utah

Bodily Injury and Property Damage Liability, Personal Injury Protection

25/65/15

No, see Utah Insurance Department

Vermont

Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist

25/50/10

No, see Vermont Department of Motor Vehicles

Virginia

Can either purchase minimum liability or pay uninsured motorist fee

 

25/50/20

No, see Virginia DMV for information on uninsured motorist fee options

Washington

Bodily Injury and Property Damage Liability

25/50/10

No, see Washington State Department of Licensing

West Virginia

Bodily Injury and Property Damage Liability, Uninsured Motorist

25/50/25

No, see West Virginia Division of Motor Vehicles

Wisconsin

Bodily Injury and Property Damage Liability

10/25/50

No, see Wisconsin DMV

Wyoming

Bodily Injury and Property Damage Liability

25/50/20

No, see Wyoming DMV

Note: State laws are always subject to change, usually through the enactment of new legislation but also through court decisions and other means. Contact an attorney or conduct your own legal research to verify the state law(s) you are researching.

Questions About State Car Insurance Laws? Get a Free Claim Review

If you are confused about poorly written car insurance laws, you aren’t alone. Considering how complicated collision coverage, deductibles, and mandatory minimums can be, it's no wonder many drivers turn to attorneys for help deciphering the jargon. FindLaw can help you connect with an attorney who specializes in car accidents and insurance. Get your claim reviewed for free.

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