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Car insurance by state

Every state sets its own rules. Pick yours to see the minimum coverage required, how fault works after an accident, and practical ways to save.

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AL

Alabama

Min. 25/50/25 · At-fault (tort) state

AK

Alaska

Min. 50/100/25 · At-fault (tort) state

AZ

Arizona

Min. 25/50/15 · At-fault (tort) state

AR

Arkansas

Min. 25/50/25 · At-fault (tort) state

CA

California

Min. 30/60/15 · At-fault (tort) state

CO

Colorado

Min. 25/50/15 · At-fault (tort) state

CT

Connecticut

Min. 25/50/25 + UM/UIM 25/50 · At-fault (tort) state

DE

Delaware

Min. 25/50/10 + PIP 15,000/30,000 · At-fault (tort) state

DC

District of Columbia

Min. 25/50/10 + UM · At-fault (tort) state

FL

Florida

Min. PIP 10,000 / PD 10,000 · No-fault state

GA

Georgia

Min. 25/50/25 · At-fault (tort) state

HI

Hawaii

Min. 40/80/20 + PIP 10,000 · No-fault state

ID

Idaho

Min. 25/50/15 · At-fault (tort) state

IL

Illinois

Min. 25/50/20 + UM 25/50 · At-fault (tort) state

IN

Indiana

Min. 25/50/25 · At-fault (tort) state

IA

Iowa

Min. 20/40/15 · At-fault (tort) state

KS

Kansas

Min. 25/50/25 + PIP + UM 25/50 · No-fault state

KY

Kentucky

Min. 25/50/25 + PIP 10,000 · Choice no-fault state

LA

Louisiana

Min. 15/30/25 · At-fault (tort) state

ME

Maine

Min. 50/100/25 + UM 50/100 + MedPay 2,000 · At-fault (tort) state

MD

Maryland

Min. 30/60/15 + PIP 2,500 + UM · At-fault (tort) state

MA

Massachusetts

Min. 25/50/30 + PIP 8,000 + UM 25/50 · No-fault state

MI

Michigan

Min. 50/100/10 + PIP + PPI 1M (250/500 default) · No-fault state

MN

Minnesota

Min. 30/60/10 + PIP 40,000 + UM/UIM 25/50 · No-fault state

MS

Mississippi

Min. 25/50/25 · At-fault (tort) state

MO

Missouri

Min. 25/50/25 + UM 25/50 · At-fault (tort) state

MT

Montana

Min. 25/50/20 · At-fault (tort) state

NE

Nebraska

Min. 25/50/25 + UM/UIM 25/50 · At-fault (tort) state

NV

Nevada

Min. 25/50/20 · At-fault (tort) state

NH

New Hampshire

Min. No mandatory insurance; 25/50/25 financial responsibility · At-fault (tort) state

NJ

New Jersey

Min. 35/70/25 + PIP 15,000 (Standard Policy) · Choice no-fault state

NM

New Mexico

Min. 25/50/10 · At-fault (tort) state

NY

New York

Min. 25/50/10 + PIP 50,000 + UM 25/50 · No-fault state

NC

North Carolina

Min. 50/100/50 + UM/UIM · At-fault (tort) state

ND

North Dakota

Min. 25/50/25 + PIP 30,000 + UM/UIM 25/50 · No-fault state

OH

Ohio

Min. 25/50/25 · At-fault (tort) state

OK

Oklahoma

Min. 25/50/25 · At-fault (tort) state

OR

Oregon

Min. 25/50/20 + PIP 15,000 + UM 25/50 · At-fault (tort) state

PA

Pennsylvania

Min. 15/30/5 + Medical benefits 5,000 · Choice no-fault state

RI

Rhode Island

Min. 25/50/25 · At-fault (tort) state

SC

South Carolina

Min. 25/50/25 + UM 25/50/25 · At-fault (tort) state

SD

South Dakota

Min. 25/50/25 + UM/UIM 25/50 · At-fault (tort) state

TN

Tennessee

Min. 25/50/25 · At-fault (tort) state

TX

Texas

Min. 30/60/25 · At-fault (tort) state

UT

Utah

Min. 30/65/25 + PIP 3,000 · No-fault state

VT

Vermont

Min. 25/50/10 + UM/UIM 50/100/10 · At-fault (tort) state

VA

Virginia

Min. 50/100/25 + UM/UIM · At-fault (tort) state

WA

Washington

Min. 25/50/10 · At-fault (tort) state

WV

West Virginia

Min. 25/50/25 + UM 25/50/25 · At-fault (tort) state

WI

Wisconsin

Min. 25/50/10 + UM 25/50 · At-fault (tort) state

WY

Wyoming

Min. 25/50/20 · At-fault (tort) state