State minimum car insurance requirements
States set minimum auto liability limits, written as three numbers such as 25/50/25. Among the states confirmed here, minimums run from 15/30/5 to 50/100/50, and some states also require personal injury protection, medical payments or uninsured motorist coverage. Compare up to three states, each checked against an official state source.
Last checked · Plain-text version
General information, not insurance advice. Talk to a licensed agent in your state.
Compare up to three states
All states
Liability limits in thousands of dollars: bodily injury per person / per accident / property damage. 48 states confirmed against an official source; 3 not yet confirmed.
| State | Liability | PIP | Medical payments | Uninsured motorist | No-fault | Source |
|---|---|---|---|---|---|---|
| Alabama | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Alabama Department of Insurance, Automobile Insurance FAQs Checked 2026-10-09 |
| Alaska | 50/100/25 | Not stated by source | Not stated by source | Not stated by source | — | Alaska Division of Motor Vehicles, Mandatory Insurance Alaska Stat. § 28.22.101 Checked 2026-10-09 |
| Arizona | 25/50/15 | Not stated by source | Not stated by source | Not stated by source | — | Arizona Revised Statutes § 28-4009 Ariz. Rev. Stat. § 28-4009 Checked 2026-10-09 |
| Arkansas | Check with the regulator: Arkansas Insurance Department | |||||
| California | 30/60/15Limits apply to standard policies from January 1, 2025. The California Low Cost Auto Insurance program has lower limits. | Not stated by source | Not stated by source | Not stated by source | — | California Department of Insurance consumer alert Checked 2026-10-09 |
| Colorado | 25/50/15Uninsured and underinsured motorist coverage is included unless rejected in writing. | Not stated by source | Not stated by source | Included unless rejected | — | Colorado Division of Insurance, Auto Insurance Checked 2026-10-09 |
| Connecticut | 25/50/25Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is required. | Not stated by source | Not stated by source | Required | — | Connecticut Insurance Department, Auto Insurance Checked 2026-10-09 |
| Delaware | 25/50/10 | Not stated by source | Not stated by source | Not stated by source | — | Delaware Division of Motor Vehicles, Insurance FAQ Checked 2026-10-09 |
| District of Columbia | 25/50/10Uninsured motorist coverage of $25,000/$50,000 bodily injury and $5,000 property damage ($200 deductible) is required. | Not stated by source | Not stated by source | Required | — | DC Department of Motor Vehicles, Vehicle Insurance Checked 2026-10-09 |
| Florida | PD 10Florida requires $10,000 PIP and $10,000 property damage liability to register a vehicle; bodily injury liability is not required for registration. | Required ($10,000) | Not stated by source | Not stated by source | — | Florida Department of Highway Safety and Motor Vehicles, Insurance Requirements Checked 2026-10-09 |
| Georgia | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Georgia Office of Commissioner of Insurance and Safety Fire, Auto Checked 2026-10-09 |
| Hawaii | 40/80/20New limits apply to policies new or renewed on or after January 1, 2026. | Required ($10,000) | Not stated by source | Not stated by source | — | Hawaii Insurance Division, Auto Insurance Minimum Limits FAQ (2026) Checked 2026-10-09 |
| Idaho | 25/50/15Uninsured and underinsured motorist coverage is included unless rejected in writing. | Not stated by source | Not stated by source | Included unless rejected | — | Idaho Department of Insurance, Required Auto Coverage Checked 2026-10-09 |
| Illinois | 25/50/20Uninsured motorist limits of at least $25,000/$50,000 are required. | Not stated by source | Not stated by source | Required | — | Illinois Department of Insurance, Auto Insurance Definitions Checked 2026-10-09 |
| Indiana | 25/50/25Uninsured and underinsured motorist coverage is included unless rejected in writing. | Not stated by source | Not stated by source | Included unless rejected | — | Indiana Department of Insurance, Auto Insurance Checked 2026-10-09 |
| Iowa | 20/40/15 | Not stated by source | Not stated by source | Not stated by source | — | Iowa Insurance Division, Auto Insurance Checked 2026-10-09 |
| Kansas | 25/50/25PIP benefits are required; $4,500 per person for medical expenses (K.S.A. 40-3103). | Required ($4,500) | Not stated by source | Not stated by source | — | K.S.A. 40-3107K.S.A. 40-3103 K.S.A. 40-3107 Checked 2026-10-09 |
| Kentucky | 25/50/25No-fault (PIP) can be rejected for yourself in writing, which changes your right to sue and be sued. | Required ($10,000) | Not stated by source | Not stated by source | Yes | Kentucky Department of Insurance, Consumer Guide to Insurance for Young Adults Checked 2026-10-09 |
| Louisiana | 15/30/25 | Not stated by source | Not stated by source | Not stated by source | — | Louisiana Department of Insurance, Consumer’s Guide to Auto Insurance Checked 2026-10-09 |
| Maine | 50/100/25Uninsured/underinsured motorist coverage of at least $50,000/$100,000 is required. | Not stated by source | Required ($2,000) | Required | — | Maine Bureau of Insurance, Insurance Required by Law Checked 2026-10-09 |
| Maryland | 30/60/15PIP of $2,500 is required unless waived where the law allows. | Required ($2,500) | Not stated by source | Required | — | Maryland Insurance Administration, Auto Insurance guide Checked 2026-10-09 |
| Massachusetts | 25/50/30Property damage minimum of $30,000 applies to policies written or renewed on or after July 1, 2025. | Required ($8,000) | Not stated by source | Required | Yes | Massachusetts Division of Insurance, Basics of Auto Insurance Checked 2026-10-09 |
| Michigan | 50/100/10Policies default to $250,000/$500,000 bodily injury; a driver can choose limits as low as $50,000/$100,000 on a state form. Property protection insurance covers damage in Michigan; the $10,000 limit is for property damage in other states. | Required | Not stated by source | Not stated by source | Yes | Michigan Compiled Laws § 500.3009 Mich. Comp. Laws § 500.3009 Checked 2026-10-09 |
| Minnesota | 30/60/10PIP of $40,000 per person ($20,000 medical, $20,000 non-medical). Uninsured and underinsured motorist coverage of $25,000/$50,000 each. | Required ($40,000) | Not stated by source | Required | Yes | Minnesota Department of Commerce, Auto Insurance Guide Checked 2026-10-09 |
| Mississippi | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Mississippi Department of Public Safety, DRIVe help Checked 2026-10-09 |
| Missouri | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Missouri Department of Commerce and Insurance, Automobile Insurance Checked 2026-10-09 |
| Montana | 25/50/20Uninsured motorist coverage is included unless you sign a form declining it. | Not stated by source | Not stated by source | Included unless rejected | — | Montana Commissioner of Securities and Insurance, Auto Checked 2026-10-09 |
| Nebraska | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Nebraska Department of Insurance, Auto Insurance and Types of Coverage Checked 2026-10-09 |
| Nevada | 25/50/20 | Not stated by source | Not stated by source | Not stated by source | — | Nevada Division of Insurance, Higher Minimum Vehicle Liability Requirements Checked 2026-10-09 |
| New Hampshire | Check with the regulator: New Hampshire Insurance Department | |||||
| New Jersey | 35/70/25Standard policy minimums for 2026. New Jersey also has a Basic policy with lower coverage. | Required ($15,000) | Not stated by source | Not stated by source | — | New Jersey Department of Banking and Insurance, Standard Policy Checked 2026-10-09 |
| New Mexico | 25/50/10 | Not stated by source | Not stated by source | Not stated by source | — | New Mexico Motor Vehicle Division Checked 2026-10-09 |
| New York | Check with the regulator: New York State Department of Financial Services | |||||
| North Carolina | 50/100/50Uninsured and underinsured motorist coverage is required. | Not stated by source | Not stated by source | Required | — | North Carolina Department of Insurance Checked 2026-10-09 |
| North Dakota | 25/50/25Uninsured motorist coverage of $25,000/$50,000 and matching underinsured motorist coverage are required. | Required ($30,000) | Not stated by source | Required | Yes | North Dakota Insurance Department, Auto N.D. Cent. Code § 26.1-41 Checked 2026-10-09 |
| Ohio | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Ohio Revised Code § 4509.51 Ohio Rev. Code § 4509.51 Checked 2026-10-09 |
| Oklahoma | 25/50/25Insurers must offer uninsured motorist coverage; it is not required. | Not stated by source | Not stated by source | Included unless rejected | — | Oklahoma Insurance Department, FAQs Checked 2026-10-09 |
| Oregon | 25/50/20 | Required ($15,000) | Not stated by source | Required | — | Oregon DMV, Insurance Requirements Checked 2026-10-09 |
| Pennsylvania | 15/30/5First-party medical benefits of $5,000 are required. | Not stated by source | Required ($5,000) | Not stated by source | — | Pennsylvania Insurance Department, Auto Insurance Checked 2026-10-09 |
| Rhode Island | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Rhode Island General Laws § 31-47-2 R.I. Gen. Laws § 31-47-2 Checked 2026-10-09 |
| South Carolina | 25/50/25Uninsured motorist coverage at the same limits is required; underinsured is optional. | Not stated by source | Not stated by source | Required | — | South Carolina Department of Insurance, FAQ Checked 2026-10-09 |
| South Dakota | 25/50/25Uninsured and underinsured motorist coverage is required. | Not stated by source | Not stated by source | Required | — | South Dakota Division of Insurance, Automobile Insurance Checked 2026-10-09 |
| Tennessee | 25/50/25 | Not stated by source | Not stated by source | Not stated by source | — | Tennessee Department of Revenue, Financial Responsibility Law Checked 2026-10-09 |
| Texas | 30/60/25 | Not stated by source | Not stated by source | Not stated by source | — | Texas Department of Insurance, Auto Insurance Glossary Checked 2026-10-09 |
| Utah | 30/65/25 | Required ($3,000) | Not stated by source | Not stated by source | Yes | Utah Insurance Department, Filing an Auto Claim Utah Code § 31A-22-304 Checked 2026-10-09 |
| Vermont | 25/50/10 | Not stated by source | Not stated by source | Not stated by source | — | 23 V.S.A. § 800 Vt. Stat. tit. 23, § 800 Checked 2026-10-09 |
| Virginia | 50/100/25Limits apply to policies effective on or after January 1, 2025. | Not stated by source | Not stated by source | Not stated by source | — | Virginia DMV, Insurance Requirements Va. Code § 46.2-472 Checked 2026-10-09 |
| Washington | 25/50/10 | Not stated by source | Not stated by source | Not stated by source | — | Washington Office of the Insurance Commissioner, Mandatory Insurance Law Checked 2026-10-09 |
| West Virginia | 25/50/25Uninsured motorist coverage at 25/50/25 is required. | Not stated by source | Not stated by source | Required | — | West Virginia Offices of the Insurance Commissioner, 2024 Annual Automobile Report W. Va. Code § 17D-4-2 Checked 2026-10-09 |
| Wisconsin | 25/50/10Uninsured motorist coverage of $25,000/$50,000 is required. | Not stated by source | Not stated by source | Required | — | Wisconsin Office of the Commissioner of Insurance, Auto FAQ Checked 2026-10-09 |
| Wyoming | 25/50/20 | Not stated by source | Not stated by source | Not stated by source | — | Wyoming Department of Transportation, FAQ Checked 2026-10-09 |
“Not stated by source” and “—” mean the cited source does not say; they do not mean the coverage is optional.
Frequently asked questions
- What does 25/50/25 mean?
- It is shorthand for liability limits in thousands of dollars: $25,000 for injury to one person, $50,000 for all injuries in one accident, and $25,000 for damage to property.
- What is PIP, and what is a no-fault state?
- Personal injury protection (PIP) pays your own medical costs and some lost income after a crash, whoever caused it. In no-fault states it is required and limits when you can sue the other driver.
- Is the state minimum enough coverage?
- State insurance regulators note that minimum limits may not cover a serious accident. This table shows only what the law requires; a licensed agent can explain options for your situation.
- Why do some states say “Check with the regulator”?
- We publish a state only after confirming it on an official state source. 3 states are not confirmed yet and link to their insurance regulator.
Sources
Updated