# State Minimum Car Insurance

> Minimum private passenger auto insurance required by each state and DC, from official state sources. Liability limits in thousands of dollars: bodily injury per person / per accident / property damage.

HTML version: https://firmsonrecord.com/tools/state-minimum-car-insurance/
Last checked: 2026-10-09
Publisher: Firms on Record
Contact: francesco@getvisibai.com

General information, not insurance advice. Talk to a licensed agent in your state.

| State | Liability | PIP | Medical payments | Uninsured motorist | No-fault | Source |
| --- | --- | --- | --- | --- | --- | --- |
| Alabama | 25/50/25 | not stated | not stated | not stated | not stated | Alabama Department of Insurance, Automobile Insurance FAQs (https://aldoi.gov/consumers/AutoFAQ.aspx), checked 2026-10-09 |
| Alaska | 50/100/25 | not stated | not stated | not stated | not stated | Alaska Division of Motor Vehicles, Mandatory Insurance (https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/), checked 2026-10-09 |
| Arizona | 25/50/15 | not stated | not stated | not stated | not stated | Arizona Revised Statutes § 28-4009 (https://www.azleg.gov/ars/28/04009.htm), checked 2026-10-09 |
| Arkansas | Check with the regulator: Arkansas Insurance Department (https://insurance.arkansas.gov/) | | | | | |
| California | 30/60/15 | not stated | not stated | not stated | not stated | California Department of Insurance consumer alert (https://www.insurance.ca.gov/0400-news/0102-alerts/2024/California-s-Low-Cost-Auto-Insurance.cfm), checked 2026-10-09 |
| Colorado | 25/50/15 | not stated | not stated | included unless rejected | not stated | Colorado Division of Insurance, Auto Insurance (https://doi.colorado.gov/types-of-insurance/auto-insurance), checked 2026-10-09 |
| Connecticut | 25/50/25 | not stated | not stated | required | not stated | Connecticut Insurance Department, Auto Insurance (https://portal.ct.gov/cid/consumer-information-center/auto-insurance), checked 2026-10-09 |
| Delaware | 25/50/10 | not stated | not stated | not stated | not stated | Delaware Division of Motor Vehicles, Insurance FAQ (https://dmv.de.gov/VehicleServices/faqs/index.shtml?dc=ve_faqs_insurance), checked 2026-10-09 |
| District of Columbia | 25/50/10 | not stated | not stated | required | not stated | DC Department of Motor Vehicles, Vehicle Insurance (https://dmv.dc.gov/service/vehicle-insurance), checked 2026-10-09 |
| Florida | PD 10 | required ($10,000) | not stated | not stated | not stated | Florida Department of Highway Safety and Motor Vehicles, Insurance Requirements (https://www.flhsmv.gov/insurance/), checked 2026-10-09 |
| Georgia | 25/50/25 | not stated | not stated | not stated | not stated | Georgia Office of Commissioner of Insurance and Safety Fire, Auto (https://oci.georgia.gov/insurance-resources/auto), checked 2026-10-09 |
| Hawaii | 40/80/20 | required ($10,000) | not stated | not stated | not stated | Hawaii Insurance Division, Auto Insurance Minimum Limits FAQ (2026) (https://cca.hawaii.gov/wp-content/uploads/2026/01/Auto-Minimum-Limits-FAQs.pdf), checked 2026-10-09 |
| Idaho | 25/50/15 | not stated | not stated | included unless rejected | not stated | Idaho Department of Insurance, Required Auto Coverage (https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/), checked 2026-10-09 |
| Illinois | 25/50/20 | not stated | not stated | required | not stated | Illinois Department of Insurance, Auto Insurance Definitions (https://idoi.illinois.gov/consumers/consumerinsurance/auto-definitions.html), checked 2026-10-09 |
| Indiana | 25/50/25 | not stated | not stated | included unless rejected | not stated | Indiana Department of Insurance, Auto Insurance (https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/), checked 2026-10-09 |
| Iowa | 20/40/15 | not stated | not stated | not stated | not stated | Iowa Insurance Division, Auto Insurance (https://iid.iowa.gov/consumers/insurance/auto), checked 2026-10-09 |
| Kansas | 25/50/25 | required ($4,500) | not stated | not stated | not stated | K.S.A. 40-3107 (https://kslegislature.gov/li/b2025_26/statute/040_000_0000_chapter/040_031_0000_article/040_031_0007_section/040_031_0007_k/); K.S.A. 40-3103 (https://kslegislature.gov/li/b2025_26/statute/040_000_0000_chapter/040_031_0000_article/040_031_0003_section/040_031_0003_k/), checked 2026-10-09 |
| Kentucky | 25/50/25 | required ($10,000) | not stated | not stated | yes | Kentucky Department of Insurance, Consumer Guide to Insurance for Young Adults (https://insurance.ky.gov/PPC/Documents/KDOI%20InsGuideYoungAdults061022mn.pdf), checked 2026-10-09 |
| Louisiana | 15/30/25 | not stated | not stated | not stated | not stated | Louisiana Department of Insurance, Consumer’s Guide to Auto Insurance (https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf), checked 2026-10-09 |
| Maine | 50/100/25 | not stated | required ($2,000) | required | not stated | Maine Bureau of Insurance, Insurance Required by Law (https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law), checked 2026-10-09 |
| Maryland | 30/60/15 | required ($2,500) | not stated | required | not stated | Maryland Insurance Administration, Auto Insurance guide (https://insurance.maryland.gov/Consumer/Documents/publications/teenautoinsguide.pdf), checked 2026-10-09 |
| Massachusetts | 25/50/30 | required ($8,000) | not stated | required | yes | Massachusetts Division of Insurance, Basics of Auto Insurance (https://www.mass.gov/info-details/basics-of-auto-insurance), checked 2026-10-09 |
| Michigan | 50/100/10 | required | not stated | not stated | yes | Michigan Compiled Laws § 500.3009 (https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3009), checked 2026-10-09 |
| Minnesota | 30/60/10 | required ($40,000) | not stated | required | yes | Minnesota Department of Commerce, Auto Insurance Guide (https://mn.gov/commerce-stat/pdfs/auto-insurance-guide.pdf), checked 2026-10-09 |
| Mississippi | 25/50/25 | not stated | not stated | not stated | not stated | Mississippi Department of Public Safety, DRIVe help (https://msvivs.dps.ms.gov/help), checked 2026-10-09 |
| Missouri | 25/50/25 | not stated | not stated | not stated | not stated | Missouri Department of Commerce and Insurance, Automobile Insurance (https://insurance.mo.gov/consumers/auto/auto.php), checked 2026-10-09 |
| Montana | 25/50/20 | not stated | not stated | included unless rejected | not stated | Montana Commissioner of Securities and Insurance, Auto (https://csimt.gov/your-insurance/auto/), checked 2026-10-09 |
| Nebraska | 25/50/25 | not stated | not stated | not stated | not stated | Nebraska Department of Insurance, Auto Insurance and Types of Coverage (https://doi.nebraska.gov/important-auto-insurance-and-types-coverage), checked 2026-10-09 |
| Nevada | 25/50/20 | not stated | not stated | not stated | not stated | Nevada Division of Insurance, Higher Minimum Vehicle Liability Requirements (https://doi.nv.gov/Consumers/Automobile_Insurance/Higher_Minimum_Vehicle_Liability_Requirements/), checked 2026-10-09 |
| New Hampshire | Check with the regulator: New Hampshire Insurance Department (https://www.insurance.nh.gov/) | | | | | |
| New Jersey | 35/70/25 | required ($15,000) | not stated | not stated | not stated | New Jersey Department of Banking and Insurance, Standard Policy (https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html), checked 2026-10-09 |
| New Mexico | 25/50/10 | not stated | not stated | not stated | not stated | New Mexico Motor Vehicle Division (https://www.mvd.newmexico.gov/what-automobile-insurance-am-i-required-to-have-in-new-mexico/), checked 2026-10-09 |
| New York | Check with the regulator: New York State Department of Financial Services (https://www.dfs.ny.gov/) | | | | | |
| North Carolina | 50/100/50 | not stated | not stated | required | not stated | North Carolina Department of Insurance (https://www.ncdoi.gov/blog/2026/07/22/automobile-insurance-whats-covered-and-what-isnt), checked 2026-10-09 |
| North Dakota | 25/50/25 | required ($30,000) | not stated | required | yes | North Dakota Insurance Department, Auto (https://www.insurance.nd.gov/consumers/insurance/auto), checked 2026-10-09 |
| Ohio | 25/50/25 | not stated | not stated | not stated | not stated | Ohio Revised Code § 4509.51 (https://codes.ohio.gov/ohio-revised-code/section-4509.51), checked 2026-10-09 |
| Oklahoma | 25/50/25 | not stated | not stated | included unless rejected | not stated | Oklahoma Insurance Department, FAQs (https://www.oid.ok.gov/faqs/), checked 2026-10-09 |
| Oregon | 25/50/20 | required ($15,000) | not stated | required | not stated | Oregon DMV, Insurance Requirements (https://www.oregon.gov/odot/dmv/pages/driverid/insurance.aspx), checked 2026-10-09 |
| Pennsylvania | 15/30/5 | not stated | required ($5,000) | not stated | not stated | Pennsylvania Insurance Department, Auto Insurance (https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance), checked 2026-10-09 |
| Rhode Island | 25/50/25 | not stated | not stated | not stated | not stated | Rhode Island General Laws § 31-47-2 (https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-2.htm), checked 2026-10-09 |
| South Carolina | 25/50/25 | not stated | not stated | required | not stated | South Carolina Department of Insurance, FAQ (https://www.doi.sc.gov/FAQ.aspx?QID=314), checked 2026-10-09 |
| South Dakota | 25/50/25 | not stated | not stated | required | not stated | South Dakota Division of Insurance, Automobile Insurance (https://dlr.sd.gov/insurance/general_guidance/auto.aspx), checked 2026-10-09 |
| Tennessee | 25/50/25 | not stated | not stated | not stated | not stated | Tennessee Department of Revenue, Financial Responsibility Law (https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html), checked 2026-10-09 |
| Texas | 30/60/25 | not stated | not stated | not stated | not stated | Texas Department of Insurance, Auto Insurance Glossary (https://www.tdi.texas.gov/consumer/auto-insurance-glossary.html), checked 2026-10-09 |
| Utah | 30/65/25 | required ($3,000) | not stated | not stated | yes | Utah Insurance Department, Filing an Auto Claim (https://insurance.utah.gov/consumers/auto/third-party-auto-claim/), checked 2026-10-09 |
| Vermont | 25/50/10 | not stated | not stated | not stated | not stated | 23 V.S.A. § 800 (https://legislature.vermont.gov/statutes/section/23/011/00800), checked 2026-10-09 |
| Virginia | 50/100/25 | not stated | not stated | not stated | not stated | Virginia DMV, Insurance Requirements (https://www.dmv.virginia.gov/vehicles/insurance-requirements), checked 2026-10-09 |
| Washington | 25/50/10 | not stated | not stated | not stated | not stated | Washington Office of the Insurance Commissioner, Mandatory Insurance Law (https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law), checked 2026-10-09 |
| West Virginia | 25/50/25 | not stated | not stated | required | not stated | West Virginia Offices of the Insurance Commissioner, 2024 Annual Automobile Report (https://www.wvinsurance.gov/Portals/0/pdf/reports/2024_Auto_Survey.pdf), checked 2026-10-09 |
| Wisconsin | 25/50/10 | not stated | not stated | required | not stated | Wisconsin Office of the Commissioner of Insurance, Auto FAQ (https://oci.wi.gov/Pages/Consumers/PI-233.aspx), checked 2026-10-09 |
| Wyoming | 25/50/20 | not stated | not stated | not stated | not stated | Wyoming Department of Transportation, FAQ (https://www.dot.state.wy.us/home/driver_license_records/suspensionsignition-interlock/Frequently%20Asked%20Questions.html), checked 2026-10-09 |