Car insurance requirements by state.
Pick your state and see exactly what car insurance the law requires, then compare quotes to meet it for less.
Pick a state to see its legally-required minimum car insurance.
50 states + DC
Full coverage data
State DOIs
Primary sources
100% free
No sign-up needed
Minimum coverage in all 50 states
Liability limits read as bodily injury per person / per accident / property damage in thousands, so 25/50/25 means $25K per person, $50K per accident, and $25K for property damage.
50/50
Alabama$1,081/yr25/50/25 min. liability (BI / BI / PD, $K)-16% vs avgAlaska$1,113/yr50/100/25 min. liability (BI / BI / PD, $K)-13% vs avgArizona$1,344/yr25/50/15 min. liability (BI / BI / PD, $K)+5% vs avgArkansas$1,051/yr25/50/25 min. liability (BI / BI / PD, $K)-18% vs avgCalifornia$1,225/yr30/60/15 min. liability (BI / BI / PD, $K)-4% vs avgColorado$1,453/yr25/50/15 min. liability (BI / BI / PD, $K)+13% vs avgConnecticut$1,394/yr25/50/25 min. liability (BI / BI / PD, $K)+9% vs avgDelaware$1,462/yr25/50/10 min. liability (BI / BI / PD, $K) · No-fault state+14% vs avgFlorida$1,865/yrsee state requirements · No-fault state+45% vs avgGeorgia$1,555/yr25/50/25 min. liability (BI / BI / PD, $K)+21% vs avgHawaii$888/yr20/40/10 min. liability (BI / BI / PD, $K) · No-fault state-31% vs avgIdaho$864/yr25/50/15 min. liability (BI / BI / PD, $K)-33% vs avgIllinois$1,153/yr25/50/20 min. liability (BI / BI / PD, $K)-10% vs avgIndiana$926/yr25/50/25 min. liability (BI / BI / PD, $K)-28% vs avgIowa$873/yr20/40/15 min. liability (BI / BI / PD, $K)-32% vs avgKansas$973/yr25/50/25 min. liability (BI / BI / PD, $K) · No-fault state-24% vs avgKentucky$1,046/yr25/50/25 min. liability (BI / BI / PD, $K) · No-fault state-18% vs avgLouisiana$1,754/yr15/30/25 min. liability (BI / BI / PD, $K)+37% vs avgMaine$856/yr50/100/25 min. liability (BI / BI / PD, $K)-33% vs avgMaryland$1,477/yr30/60/15 min. liability (BI / BI / PD, $K)+15% vs avgMassachusetts$1,326/yr25/50/30 min. liability (BI / BI / PD, $K) · No-fault state+3% vs avgMichigan$1,444/yr50/100/10 min. liability (BI / BI / PD, $K) · No-fault state+13% vs avgMinnesota$1,103/yr30/60/10 min. liability (BI / BI / PD, $K) · No-fault state-14% vs avgMississippi$1,200/yr25/50/25 min. liability (BI / BI / PD, $K)-6% vs avgMissouri$1,155/yr25/50/25 min. liability (BI / BI / PD, $K)-10% vs avgMontana$975/yr25/50/20 min. liability (BI / BI / PD, $K)-24% vs avgNebraska$981/yr25/50/25 min. liability (BI / BI / PD, $K)-23% vs avgNevada$1,462/yr25/50/20 min. liability (BI / BI / PD, $K)+14% vs avgNew Hampshire$987/yr25/50/25 min. liability (BI / BI / PD, $K)-23% vs avgNew Jersey$1,573/yr35/70/25 min. liability (BI / BI / PD, $K) · No-fault state+23% vs avgNew Mexico$1,082/yr25/50/10 min. liability (BI / BI / PD, $K)-16% vs avgNew York$1,753/yr25/50/10 min. liability (BI / BI / PD, $K) · No-fault state+37% vs avgNorth Carolina$925/yr50/100/50 min. liability (BI / BI / PD, $K)-28% vs avgNorth Dakota$808/yr25/50/25 min. liability (BI / BI / PD, $K) · No-fault state-37% vs avgOhio$947/yr25/50/25 min. liability (BI / BI / PD, $K)-26% vs avgOklahoma$1,084/yr25/50/25 min. liability (BI / BI / PD, $K)-15% vs avgOregon$1,170/yr25/50/20 min. liability (BI / BI / PD, $K)-9% vs avgPennsylvania$1,155/yr15/30/5 min. liability (BI / BI / PD, $K)-10% vs avgRhode Island$1,540/yr25/50/25 min. liability (BI / BI / PD, $K)+20% vs avgSouth Carolina$1,367/yr25/50/25 min. liability (BI / BI / PD, $K)+7% vs avgSouth Dakota$937/yr25/50/25 min. liability (BI / BI / PD, $K)-27% vs avgTennessee$1,050/yr25/50/15 min. liability (BI / BI / PD, $K)-18% vs avgTexas$1,429/yr30/60/25 min. liability (BI / BI / PD, $K)+11% vs avgUtah$1,169/yr25/65/15 min. liability (BI / BI / PD, $K) · No-fault state-9% vs avgVermont$893/yr25/50/10 min. liability (BI / BI / PD, $K)-30% vs avgVirginia$1,114/yr50/100/25 min. liability (BI / BI / PD, $K)-13% vs avgWashington$1,153/yr25/50/10 min. liability (BI / BI / PD, $K)-10% vs avgWest Virginia$1,063/yr25/50/25 min. liability (BI / BI / PD, $K)-17% vs avgWisconsin$922/yr25/50/10 min. liability (BI / BI / PD, $K)-28% vs avgWyoming$948/yr25/50/20 min. liability (BI / BI / PD, $K)-26% vs avg
State minimums are the legal floor and often don't fully cover a serious accident. Requirements change, each state page shows when it was last verified.
06 / Get Started
Ready to compare quotes?
Enter your ZIP and compare real quotes in under 3 minutes.
No spam. No obligation. No fine print.
100% FreeNo obligationReal carrier quotes