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Requirements for Car Insurance in Every U.S. State

In most states, some level of car insurance is required to drive legally. To meet these standards, knowing the minimum coverage you need to maintain good legal standing is important. We've listed the minimum insurance requirements for each state, so you can ensure you have the correct policies and coverage.

Car Insurance Requirements by State

Alabama Car Insurance Requirements:

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Alaska Car Insurance Requirements

Some residents (specifically in remote areas) are not required to have insurance

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $50,000
Bodily Injury Liability Per Accident: $100,000

Arizona Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Arkansas Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

California Car Insurance Requirements

Property Damage Liability Per Accident: $5,000
Bodily Injury Liability Per Person: $15,000
Bodily Injury Liability Per Accident: $30,000

Colorado Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Connecticut Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000

Delaware Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Personal Injury Protection Per Person: $15,000
Personal Injury Protection Per Accident:: $30,000

Florida Car Insurance Requirements

Florida is the most expensive state for car insurance

Property Damage Liability Per Accident: $10,000
Personal Injury Protection: $10,000

Georgia Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Hawaii Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $20,000
Bodily Injury Liability Per Accident: $40,000
Personal Injury Protection: $10,000

Idaho Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Illinois Car Insurance Requirements

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000

Indiana Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Iowa Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $20,000
Bodily Injury Liability Per Accident: $40,000

Kansas Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000
Personal Injury Protection: Up to $900 per month for a year for disability or loss of income, $4,500 in medical expenses, $2,000 for funeral costs, $25 per day for in-home services, and $4,500 for rehabilitation services
Survivors Benefits: $25 per day for in-home services and up to $900 per month for a year for disability or loss of income

Kentucky Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Louisiana Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $15,000
Bodily Injury Liability Per Accident: $30,000

Maine Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $50,000
Bodily Injury Liability Per Accident: $100,000
Uninsured/Underinsured Motorist Coverage Per Person: $50,000
Uninsured/Underinsured Motorist Coverage Per Accident: $100,000
Medical Payments Coverage: $2,000

Maryland Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $30,000
Bodily Injury Liability Per Accident: $60,000
Uninsured/Underinsured Motorist Coverage Per Person:$30,000
Uninsured/Underinsured Motorist Coverage Per Accident: $60,000
Uninsured/Underinsured Property Damage Coverage Per Accident: $15,000

Massachusetts Car Insurance Requirements

Property Damage Liability Per Accident: $5,000
Bodily Injury Liability Per Person: $20,000
Bodily Injury Liability Per Accident: $40,000
Uninsured Motorist Coverage Per Person: $20,000
Uninsured Motorist Coverage Per Accident: $40,000
Personal Injury Protection: $8,000

Michigan Car Insurance Requirements

Property Damage Liability Per Accident: Outside Michigan, $10,000
Bodily Injury Liability Per Person: $50,000
Bodily Injury Liability Per Accident: $100,000
Property Protection: Within Michigan, $1 Million
Personal Injury Protection: $250,000, though this is lower for certain recipients of Medicare and Medicaid

Minnesota Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $30,000
Bodily Injury Liability Per Accident: $60,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000
Personal Injury Protection: $40,000

Mississippi Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Missouri Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000

Montana Car Insurance Requirements

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Nebraska Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000

Nevada Car Insurance Requirements

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

New Hampshire Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000
Uninsured/Underinsured Motorist Property Damage Coverage: $25,000
Medical Payments Coverage: $1,000

New Jersey Car Insurance Requirements

Property Damage Liability Per Accident: $5,000
Personal Injury Protection: $15,000

New Mexico Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

New York Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Liability For Death Per Person: $50,000
Liability For Death Per Accident: $100,000
Uninsured Motorist Bodily Injury Coverage Per Person: $25,000
Uninsured Motorist Bodily Injury Coverage Per Accident: $50,000
Personal Injury Protection: $50,000

North Carolina Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $30,000
Bodily Injury Liability Per Accident: $60,000
Uninsured Motorist Coverage Per Person: $30,000
Uninsured Motorist Coverage Per Accident: $60,000
Uninsured Motorist Property Damage Coverage Per Accident: $25,000

North Dakota Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000
Personal Injury Protection: $30,000

Ohio Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Oklahoma Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Oregon Car Insurance Requirements

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000
Personal Injury Protection: $15,000

Pennsylvania Car Insurance Requirements

Property Damage Liability Per Accident: $5,000
Bodily Injury Liability Per Person: $15,000
Bodily Injury Liability Per Accident: $30,000
Medical Benefits: $5,000

Rhode Island Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

South Carolina Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person:$25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000
Uninsured Motorist Property Damage Coverage: $25,000

South Dakota Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000

Tennessee Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Texas Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $30,000
Bodily Injury Liability Per Accident: $60,000

Utah Car Insurance Requirements

Property Damage Liability Per Accident: $15,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $65,000
Personal Injury Protection: $3,000

Vermont Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $50,000
Uninsured/Underinsured Motorist Coverage Per Accident: $100,000
Uninsured/Underinsured Motorist Property Damage Coverage Per Accident: $10,000

Virginia Car Insurance Requirements

Minimum limits only apply to drivers who purchase optional insurance. If drivers choose not to purchase insurance, they are required to pay a $500 fee.

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured/Underinsured Motorist Coverage Per Person: $25,000
Uninsured/Underinsured Motorist Coverage Per Accident: $50,000
Uninsured/Underinsured Motorist Property Damage Coverage Per Accident: $20,000

Washington Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Washington D.C. Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000
Uninsured Motorist Property Damage Coverage Per Accident: $5,000

West Virginia Car Insurance Requirements

Property Damage Liability Per Accident: $25,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000
Uninsured Motorist Property Damage Coverage: $25,000

Wisconsin Car Insurance Requirements

Property Damage Liability Per Accident: $10,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000
Uninsured Motorist Coverage Per Person: $25,000
Uninsured Motorist Coverage Per Accident: $50,000

Wyoming Car Insurance Requirements

Property Damage Liability Per Accident: $20,000
Bodily Injury Liability Per Person: $25,000
Bodily Injury Liability Per Accident: $50,000

Will My Car Insurance Cover Me in Another State?

In most cases, your car insurance will cover you when traveling in other states. However, if you move to another state or plan to travel internationally, you will need to inform your insurance company. Permanently moving may change your rates, as will changing your vehicle. If you plan to buy a new vehicle in another state, research it carefully beforehand. You can use tools like vehicle history reports and VIN decoders to get all the available information about a car. These details can affect how high your insurance rates will be going forward and help you get the best possible deal on a car.