Minimum Auto Insurance Requirements By State
Most states require car owners to buy certain types and minimum amounts of insurance coverage before they may legally drive their cars. This chart shows the mandatory requirements for bodily injury (BI) liability, physical damage (PD) liability, no-fault personal injury protection (PIP), uninsured motorist (UM) and underinsured motorist (UIM) coverage. It also indicates which states have only financial responsibility (FR) laws. Additional information follows the chart.
Please note that this information is for educational purposes only, and may be out of date. Call Metro Insurance today to get the latest information!
State | Insurance Required (1) | Minimum Liability Limits (2) |
Alabama | BI & PD Liability | 25/50/25 |
Alaska | BI & PD Liability | 50/100/25 |
Arizona | BI & PD Liability | 15/30/10 |
Arkansas | BI & PD Liability, PIP | 25/50/25 |
California | BI & PD Liability | 15/30/5 (3) |
Colorado | BI & PD Liability | 25/50/15 |
Connecticut | BI & PD Liability, UM, UIM | 25/50/20 (Eff. Jan. 1, 2019) |
Delaware | BI & PD Liability, PIP | 25/50/10 |
D.C. | BI & PD Liability, UM | 25/50/10 |
Florida | PD Liability, PIP | 10/20/10 (4) |
Georgia | BI & PD Liability | 25/50/25 |
Hawaii | BI & PD Liability, PIP | 20/40/10 |
Idaho | BI & PD Liability | 25/50/15 |
Illinois | BI & PD Liability, UM, UIM | 25/50/20 |
Indiana | BI & PD Liability | 25/50/25 (Eff. Jan. 1, 2019) |
Iowa | BI & PD Liability | 20/40/15 |
Kansas | BI & PD Liability, PIP | 25/50/25 |
Kentucky | BI & PD Liability, PIP, UM, UIM | 25/50/25 (4) (Eff. Jan. 1, 2019) |
Louisiana | BI & PD Liability | 15/30/25 |
Maine | BI & PD Liability, UM, UIM, Medpay | 50/100/25 (5) |
Maryland | BI & PD Liability, PIP, UM, UIM | 30/60/15 |
Massachusetts | BI & PD Liability, PIP | 20/40/5 |
Michigan | BI & PD Liability, PIP | 20/40/10 |
Minnesota | BI & PD Liability, PIP, UM, UIM | 30/60/10 |
Mississippi | BI & PD Liability | 25/50/25 |
Missouri | BI & PD Liability, UM | 25/50/25 (Eff. Jan. 1, 2019) |
Montana | BI & PD Liability | 25/50/20 |
Nebraska | BI & PD Liability, UM, UIM | 25/50/25 |
Nevada | BI & PD Liability | 25/50/20 |
New Hampshire | FR only | 25/50/25 |
New Jersey | BI & PD Liability, PIP, UM, UIM | 15/30/5 (6) |
New Mexico | BI & PD Liability | 25/50/10 |
New York | BI & PD Liability, PIP, UM, UIM | 25/50/10 (7) |
North Carolina | BI & PD Liability, UM, UIM | 30/60/25 |
North Dakota | BI & PD Liability, PIP, UM, UIM | 25/50/25 |
Ohio | BI & PD Liability | 25/50/25 |
Oklahoma | BI & PD Liability | 25/50/25 |
Oregon | BI & PD Liability, PIP, UM, UIM | 25/50/20 |
Pennsylvania | BI & PD Liability, PIP | 15/30/5 |
Rhode Island | BI & PD Liability | 25/50/25 |
South Carolina | BI & PD Liability, UM, UIM | 25/50/25 |
South Dakota | BI & PD Liability, UM, UIM | 25/50/25 |
Tennessee | BI & PD Liability | 25/50/15 (4) |
Texas | BI & PD Liability, PIP | 30/60/25 |
Utah | BI & PD Liability, PIP | 25/65/15 (4) |
Vermont | BI & PD Liability, UM, UIM | 25/50/10 |
Virginia | BI & PD Liability (9), UM, UIM | 25/50/20 |
Washington | BI & PD Liability | 25/50/10 |
West Virginia | BI & PD Liability, UM, UIM | 25/50/25 |
Wisconsin | BI & PD Liability, UM, Med | 25/50/10 |
Wyoming | BI & PD Liability | 25/50/20 |