Auto Insurance State Minimums

Each state has a different minimum liability insurance requirement and in many states, motorists can’t even register their vehicle unless they’ve first obtained car insurance. Other states utilize an honor system wherein it is assumed you can present proof of insurance when requested such as in an accident or when an officer of the law requests it.
There are only five states that do not require drivers to purchase liability coverage. The other 45 demand you purchase their legally required minimum.

Personal Injury Protection (PIP) provides additional insurance protection for any subsequent healthcare costs that are a direct result of an accident, regardless of who is at fault.

Some states have no-fault laws, which mean that your own insurance policy is required to pay for damages and injuries incurred in an accident regardless of who is at fault.

State	Liability minimums (in thousands)	PIP	No-fault	UIM/
Alabama	Yes, 20/40/10	No	No	Yes
Alaska	Yes, 50/100/25	No	No	Yes
Arizona	Yes, 15/30/10	No	No	No
Arkansas	Yes, 25/50/25	No	No	Yes
California	Yes, 15/30/5	No	No	Yes
Colorado	Yes, 25/50/15	No	No	Yes
Connecticut	Yes, 20/40/10	No	No	Yes
Delaware	Yes, 15/30/10	Yes	No	Yes
Florida	Yes, 10/20/10	Yes	Yes	Yes
Georgia	Yes, 25/50/25	No	No	Yes
Hawaii	Yes, 20/40/10	Yes	Yes	Yes
Idaho	Yes, 25/50/15	No	No	No
Illinois	Yes, 20/40/15	No	No	Yes
Indiana	Yes, 25/50/10	No	No	Yes
Iowa	Yes, 20/40/15	No	No	Yes
Kansas	Yes, 25/50/10	Yes	Yes	Yes
Kentucky	Yes, 25/50/10	Yes	Yes	Yes
Louisiana	Yes, 10/20/10	No	No	Yes
Maine	Yes, 50/100/25	No	No	Yes
Maryland	Yes, 20/40/15	Yes	No	Yes
Massachusetts	Yes, 20/40/5	Yes	Yes	Yes
Michigan	Yes, 20/40/10	Yes	Yes	No
Minnesota	Yes, 30/60/10	Yes	Yes	Yes
Mississippi	Yes, 10/20/5	No	No	Yes
Missouri	Yes, 25/50/10	No	No	Yes
Montana	Yes, 25/50/10	No	No	Yes
Nebraska	Yes, 25/50/25	No	No	No
Nevada	Yes, 15/30/10	No	No	Yes
New Hampshire	No, 25/50/25	No	No	Yes
New Jersey	Yes, 15/30/5	Yes	Yes	Yes
New Mexico	Yes, 25/50/10	No	No	Yes
New York	Yes, 25/50/10	Yes	Yes	Yes
North Carolina	Yes, 30/60/25	No	No	Yes
North Dakota	Yes, 25/50/25	Yes	Yes	Yes
Ohio	Yes, 12.5/25/7.5	No	No	Yes
Oklahoma	Yes, 10/20/10	No	No	Yes
Oregon	Yes, 25/50/10	Yes	No	Yes
Pennsylvania	Yes, 15/30/5	No	Yes	Yes
Rhode Island	Yes, 25/50/25	No	No	Yes
South Carolina	No, 15/30/10	No	No	Yes
South Dakota	Yes, 25/50/25	No	No	Yes
Tennessee	Yes, 25/50/10	No	No	Yes
Texas	Yes, 20/40/15	No	No	Yes
Utah	Yes, 25/50/15	Yes	Yes	Yes
Vermont	Yes, 25/50/10	No	No	Yes
Virginia	No, 25/50/20	No	No	Yes
Washington	Yes, 25/50/10	No	No	Yes
Washington D.C.	Yes, 25/50/10	No	Yes	Yes
West Virginia	Yes, 20/40/10	No	No	Yes
Wisconsin	No, 25/50/10	No	No	Yes
Wyoming	Yes, 25/50/20	No	No	Yes