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50-state comparison · October 2026

Minimum car insurance requirements by state

The liability limits every state requires, the other coverage some states add, and which states have raised their minimums since 2025 — in one table, checked against each state’s insurance regulator.

By Kevin McCarroll, founder · 18 years in P&C insurance marketing · Last reviewed October 2026 · How we research

How to read the limits

Liability minimums are written as three numbers. 30/60/15 means up to $30,000 for one person’s injuries, $60,000 for everyone’s injuries in one crash, and $15,000 for damage to other people’s property. They are what the law requires, not what most drivers need — see how much car insurance you need.

  • Highest injury minimum: North Carolina, Alaska, Maine, Virginia and Michigan — $50,000 per person.
  • Lowest: Louisiana and Pennsylvania — $15,000 per person. Florida doesn’t require injury liability for most drivers at all.
  • 12 states use a no-fault or choice no-fault system, where your own personal injury protection pays first.
  • 7 states raised their minimums in 2025 and 2026 — see which ones.

All 50 states and Washington, D.C.

Select a column heading to sort.

Also required
Alabama25/50/25$25k$25k—At-fault
Alaska50/100/25$50k$25k—At-fault
Arizona25/50/15$25k$15k—At-fault
Arkansas25/50/25$25k$25k—At-fault
California30/60/15$30k$15k—At-fault
Colorado25/50/15$25k$15k—At-fault
Connecticut25/50/25$25k$25kUninsured/underinsured motoristAt-fault
Delaware25/50/10$25k$10kPersonal injury protectionAt-fault
Florida*PD $10k only—$10kBodily injury liabilityNo-fault
Georgia25/50/25$25k$25k—At-fault
Hawaii40/80/20$40k$20kPersonal injury protectionNo-fault
Idaho25/50/15$25k$15k—At-fault
Illinois25/50/20$25k$20kUninsured motorist bodily injuryAt-fault
Indiana25/50/25$25k$25k—At-fault
Iowa20/40/15$20k$15k—At-fault
Kansas25/50/25$25k$25kPersonal injury protection, Uninsured/underinsured motoristNo-fault
Kentucky25/50/25$25k$25kPersonal injury protectionChoice no-fault
Louisiana15/30/25$15k$25k—At-fault
Maine50/100/25$50k$25kUninsured/underinsured motorist, Medical paymentsAt-fault
Maryland30/60/15$30k$15kPersonal injury protection, Uninsured motoristAt-fault
Massachusetts25/50/30$25k$30kPersonal injury protection, Uninsured motoristNo-fault
Michigan†50/100/10$50k$10kProperty protection insurance, Personal injury protectionNo-fault
Minnesota30/60/10$30k$10kPersonal injury protection, Uninsured/underinsured motoristNo-fault
Mississippi25/50/25$25k$25k—At-fault
Missouri25/50/25$25k$25kUninsured motoristAt-fault
Montana25/50/20$25k$20k—At-fault
Nebraska25/50/25$25k$25kUninsured/underinsured motoristAt-fault
Nevada25/50/20$25k$20k—At-fault
New Hampshire‡25/50/25$25k$25kMedical payments, Uninsured motoristAt-fault
New Jersey35/70/25$35k$25kPersonal injury protection, Uninsured/underinsured motoristChoice no-fault
New Mexico25/50/10$25k$10k—At-fault
New York25/50/10$25k$10kPersonal injury protection, Uninsured motorist bodily injuryNo-fault
North Carolina50/100/50$50k$50kUninsured motorist coverageAt-fault
North Dakota25/50/25$25k$25kPersonal injury protection, Uninsured/underinsured motoristNo-fault
Ohio25/50/25$25k$25k—At-fault
Oklahoma25/50/25$25k$25k—At-fault
Oregon25/50/20$25k$20kPersonal injury protection, Uninsured/underinsured motoristAt-fault
Pennsylvania15/30/5$15k$5kFirst-party medical benefitsChoice no-fault
Rhode Island25/50/25$25k$25k—At-fault
South Carolina25/50/25$25k$25kUninsured motoristAt-fault
South Dakota25/50/25$25k$25kUninsured/underinsured motoristAt-fault
Tennessee25/50/25$25k$25k—At-fault
Texas30/60/25$30k$25kPersonal injury protectionAt-fault
Utah30/65/25$30k$25kPersonal injury protectionNo-fault
Vermont25/50/10$25k$10kUninsured/underinsured motoristAt-fault
Virginia50/100/25$50k$25kUninsured/underinsured motoristAt-fault
Washington25/50/10$25k$10k—At-fault
Washington, D.C.25/50/10$25k$10kUninsured motoristAt-fault
West Virginia25/50/25$25k$25kUninsured motoristAt-fault
Wisconsin25/50/10$25k$10kUninsured motoristAt-fault
Wyoming25/50/20$25k$20k—At-fault

* Florida requires $10,000 of property damage liability and $10,000 of personal injury protection; injury liability is required only after certain crashes or violations. † Michigan’s default is 250/500/10; drivers can choose 50/100/10 in writing. ‡ New Hampshire doesn’t require insurance, but drivers must be able to pay for damage they cause; these are the limits if you buy a policy.

States that raised their minimums since 2025

StateEffectiveBeforeNow
HawaiiJanuary 1, 202620/40/1040/80/20
New Jersey202625/50/2535/70/25
MassachusettsJuly 1, 202520/40/525/50/30
North CarolinaJuly 1, 202530/60/2550/100/50
CaliforniaJanuary 1, 202515/30/530/60/15
VirginiaJanuary 1, 202530/60/2050/100/25
Utah202525/65/1530/65/25

Sources

Each state’s requirements are checked against its insurance regulator, linked on the state’s page, and against the Insurance Information Institute’s state financial responsibility table. Changes since that table was last revised are confirmed with the state; for example, Hawaii Insurance Division: auto insurance minimum limits FAQ.

Use this table

Journalists, schools and websites are welcome to cite or link to this table. Please credit Insurance Quote Market and link to this page so readers get the latest version — we update it when a state changes its law. Spotted something out of date? Email support@insurancequotemarket.com.

General information, not legal or insurance advice. Some states allow other ways to show financial responsibility, such as a bond or deposit, and lenders usually require more coverage than the state minimum.