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Minimum Car Insurance Requirements by State
The short answer
Every state except New Hampshire requires drivers to carry liability insurance, and the minimum is written as three numbers: bodily injury per person, bodily injury per accident, and property damage, in thousands of dollars. The lowest bodily injury minimums are Florida's SR-22 limits ($10,000 / $20,000 / $10,000); the highest overall are North Carolina's ($50,000 / $100,000 / $50,000). Pennsylvania has the lowest property damage minimum ($5,000). Some states also require personal injury protection (PIP) or uninsured motorist coverage. Each state's page links its sources.
| State | Minimum liability | Other required coverage |
|---|---|---|
| Alabama | 25/50/25 | Not confirmed on a state source |
| Alaska | 50/100/25 | Liability only |
| Arizona | 25/50/15 | Liability only |
| Arkansas | 25/50/25 | Not confirmed on a state source |
| California | 30/60/15 | Liability only |
| Colorado | 25/50/15 | Liability only |
| Connecticut | 25/50/25 | UM/UIM at liability minimums |
| Delaware | 25/50/10 | PIP $15,000/$30,000 |
| District of Columbia | 25/50/10 | UM 25/50/5 |
| Florida | Different rule; see the state page | PIP $10,000 |
| Georgia | 25/50/25 | Liability only |
| Hawaii | 40/80/20 | PIP $10,000 |
| Idaho | 25/50/15 | Liability only |
| Illinois | 25/50/20 | UM at liability minimums |
| Indiana | 25/50/25 | Liability only |
| Iowa | 20/40/15 | Liability only |
| Kansas | 25/50/25 | PIP $4,500 medical, UM/UIM |
| Kentucky | 25/50/25 | PIP $10,000 |
| Louisiana | 15/30/25 | Liability only |
| Maine | 50/100/25 | UM, med pay $2,000, towing $500 |
| Maryland | 30/60/15 | PIP $2,500, UM |
| Massachusetts | 25/50/30 | PIP $8,000, UM |
| Michigan | 50/100/10 (details on the state page) | PIP and property protection |
| Minnesota | 30/60/10 | PIP $40,000, UM/UIM 25/50 |
| Mississippi | 25/50/25 | Not confirmed on a state source |
| Missouri | 25/50/25 | UM 25/50 |
| Montana | 25/50/20 | Liability only |
| Nebraska | 25/50/25 | UM/UIM 25/50 |
| Nevada | 25/50/20 | Liability only |
| New Hampshire | 25/50/25 (details on the state page) | If insured: UM, med pay $1,000 |
| New Jersey | 35/70/25 (details on the state page) | PIP $15,000; UM/UIM on standard |
| New Mexico | 25/50/10 | Liability only |
| New York | 25/50/10 | PIP $50,000, UM 25/50 |
| North Carolina | 50/100/50 | UM/UIM at liability limits |
| North Dakota | 25/50/25 | PIP $30,000, UM/UIM |
| Ohio | 25/50/25 | Liability only |
| Oklahoma | 25/50/25 | Liability only |
| Oregon | 25/50/20 | PIP $15,000, UM/UIM |
| Pennsylvania | 15/30/5 | Medical benefits $5,000 |
| Rhode Island | 25/50/25 | Liability only |
| South Carolina | 25/50/25 | UM 25/50/25 |
| South Dakota | 25/50/25 | UM/UIM at liability limits |
| Tennessee | 25/50/25 | Liability only |
| Texas | 30/60/25 | Liability only |
| Utah | 30/65/25 | PIP $3,000 |
| Vermont | 25/50/10 | UM/UIM 50/100 |
| Virginia | 50/100/25 | UM/UIM 50/100/25 |
| Washington | 25/50/10 | Liability only |
| West Virginia | 25/50/25 | UM 25/50/25 |
| Wisconsin | 25/50/10 | UM 25/50 |
| Wyoming | 25/50/20 | Liability only |
See also: penalties for driving uninsured · SR-22 rules by state