50-State Legal Coverage Index
Car Insurance Requirements by State (2026)
Auto insurance laws are regulated strictly at the state level. Select your state below to inspect statutory minimum liability limits, no-fault rules, and average premium costs.
Showing 50 states
Sorted alphabetically A – Z
Understanding Shorthand Notation: Limits like 25/50/25 represent $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident. States marked with PIP require Personal Injury Protection.
| State | Statutory Minimums | PIP / No-Fault Status | Avg Annual Rate | Avg Monthly | State Guide |
|---|---|---|---|---|---|
| Alabama AL | 25/50/25 | Not Mandatory (Tort) | $1,850/yr | $154/mo | View Laws |
| Alaska AK | 50/100/25 | Not Mandatory (Tort) | $1,720/yr | $143/mo | View Laws |
| Arizona AZ | 25/50/15 | Not Mandatory (Tort) | $1,980/yr | $165/mo | View Laws |
| Arkansas AR | 25/50/25 | Not Mandatory (Tort) | $1,820/yr | $152/mo | View Laws |
| California CA | 15/30/5 | Not Mandatory (Tort) | $2,190/yr | $183/mo | View Laws |
| Colorado CO | 25/50/15 | Not Mandatory (Tort) | $2,380/yr | $198/mo | View Laws |
| Connecticut CT | 25/50/25 | Not Mandatory (Tort) | $2,050/yr | $171/mo | View Laws |
| Delaware DE | 25/50/10 | Mandatory ($15,000) | $2,320/yr | $193/mo | View Laws |
| Florida FL | 10/20/10 | Mandatory ($10,000) | $3,180/yr | $265/mo | View Laws |
| Georgia GA | 25/50/25 | Not Mandatory (Tort) | $2,150/yr | $179/mo | View Laws |
| Hawaii HI | 20/40/10 | Mandatory ($10,000) | $1,540/yr | $128/mo | View Laws |
| Idaho ID | 25/50/15 | Not Mandatory (Tort) | $1,390/yr | $116/mo | View Laws |
| Illinois IL | 25/50/20 | Not Mandatory (Tort) | $1,780/yr | $148/mo | View Laws |
| Indiana IN | 25/50/25 | Not Mandatory (Tort) | $1,510/yr | $126/mo | View Laws |
| Iowa IA | 20/40/15 | Not Mandatory (Tort) | $1,420/yr | $118/mo | View Laws |
| Kansas KS | 25/50/25 | Mandatory ($4,500) | $1,890/yr | $158/mo | View Laws |
| Kentucky KY | 25/50/25 | Mandatory ($10,000) | $2,450/yr | $204/mo | View Laws |
| Louisiana LA | 15/30/25 | Not Mandatory (Tort) | $3,020/yr | $252/mo | View Laws |
| Maine ME | 50/100/25 | Not Mandatory (Tort) | $1,280/yr | $107/mo | View Laws |
| Maryland MD | 30/60/15 | Mandatory ($2,500) | $2,120/yr | $177/mo | View Laws |
| Massachusetts MA | 20/40/5 | Mandatory ($8,000) | $1,650/yr | $138/mo | View Laws |
| Michigan MI | 50/100/10 | Mandatory ($250,000) | $3,450/yr | $288/mo | View Laws |
| Minnesota MN | 30/60/10 | Mandatory ($40,000) | $1,880/yr | $157/mo | View Laws |
| Mississippi MS | 25/50/25 | Not Mandatory (Tort) | $1,920/yr | $160/mo | View Laws |
| Missouri MO | 25/50/25 | Not Mandatory (Tort) | $1,950/yr | $163/mo | View Laws |
| Montana MT | 25/50/20 | Not Mandatory (Tort) | $1,860/yr | $155/mo | View Laws |
| Nebraska NE | 25/50/25 | Not Mandatory (Tort) | $1,720/yr | $143/mo | View Laws |
| Nevada NV | 25/50/20 | Not Mandatory (Tort) | $2,540/yr | $212/mo | View Laws |
| New Hampshire NH | 25/50/25 | Not Mandatory (Tort) | $1,380/yr | $115/mo | View Laws |
| New Jersey NJ | 25/50/25 | Mandatory ($15,000) | $2,280/yr | $190/mo | View Laws |
| New Mexico NM | 25/50/10 | Not Mandatory (Tort) | $1,790/yr | $149/mo | View Laws |
| New York NY | 25/50/10 | Mandatory ($50,000) | $2,850/yr | $238/mo | View Laws |
| North Carolina NC | 30/60/25 | Not Mandatory (Tort) | $1,530/yr | $128/mo | View Laws |
| North Dakota ND | 25/50/25 | Mandatory ($30,000) | $1,580/yr | $132/mo | View Laws |
| Ohio OH | 25/50/25 | Not Mandatory (Tort) | $1,450/yr | $121/mo | View Laws |
| Oklahoma OK | 25/50/25 | Not Mandatory (Tort) | $2,110/yr | $176/mo | View Laws |
| Oregon OR | 25/50/20 | Mandatory ($15,000) | $1,790/yr | $149/mo | View Laws |
| Pennsylvania PA | 15/30/5 | Mandatory ($5,000) | $1,960/yr | $163/mo | View Laws |
| Rhode Island RI | 25/50/25 | Not Mandatory (Tort) | $2,240/yr | $187/mo | View Laws |
| South Carolina SC | 25/50/25 | Not Mandatory (Tort) | $2,080/yr | $173/mo | View Laws |
| South Dakota SD | 25/50/25 | Not Mandatory (Tort) | $1,640/yr | $137/mo | View Laws |
| Tennessee TN | 25/50/25 | Not Mandatory (Tort) | $1,760/yr | $147/mo | View Laws |
| Texas TX | 30/60/25 | Not Mandatory (Tort) | $2,260/yr | $188/mo | View Laws |
| Utah UT | 25/65/15 | Mandatory ($3,000) | $1,750/yr | $146/mo | View Laws |
| Vermont VT | 25/50/10 | Not Mandatory (Tort) | $1,290/yr | $108/mo | View Laws |
| Virginia VA | 30/60/20 | Not Mandatory (Tort) | $1,610/yr | $134/mo | View Laws |
| Washington WA | 25/50/10 | Not Mandatory (Tort) | $1,780/yr | $148/mo | View Laws |
| West Virginia WV | 25/50/25 | Not Mandatory (Tort) | $1,890/yr | $158/mo | View Laws |
| Wisconsin WI | 25/50/10 | Not Mandatory (Tort) | $1,480/yr | $123/mo | View Laws |
| Wyoming WY | 25/50/20 | Not Mandatory (Tort) | $1,560/yr | $130/mo | View Laws |
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