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 where in 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