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Almost every state requires car insurance that pays for damage you cause to others. The numbers like 25/50/25 mean $25,000 per injured person, $50,000 per crash for injuries, and $25,000 for property damage. The minimum is the legal floor, not a recommendation: a serious crash can cost far more, and you'd owe the rest.
| State | Minimum liability | Required coverage |
|---|---|---|
| Alabama | 25/50/25 | BI & PD Liability |
| Alaska | 50/100/25 | BI & PD Liability |
| Arizona | 25/50/15 | BI & PD Liability |
| Arkansas | 25/50/25 | BI & PD Liability, PIP |
| California | 30/60/15 | BI & PD Liability |
| Colorado | 25/50/15 | BI & PD Liability |
| Connecticut | 25/50/25 | BI & PD Liability, UM, UIM |
| Delaware | 25/50/10 | BI & PD Liability, PIP |
| District of Columbia | 25/50/10 | BI & PD Liability, UM |
| Florida | 10/20/10 | PD Liability, PIP |
| Georgia | 25/50/25 | BI & PD Liability |
| Hawaii | 40/80/20 | BI & PD Liability, PIP |
| Idaho | 25/50/15 | BI & PD Liability |
| Illinois | 25/50/20 | BI & PD Liability, UM, UIM |
| Indiana | 25/50/25 | BI & PD Liability |
| Iowa | 20/40/15 | BI & PD Liability |
| Kansas | 25/50/25 | BI & PD Liability, PIP, UM, UIM |
| Kentucky | 25/50/25 | BI & PD Liability, PIP |
| Louisiana | 15/30/25 | BI & PD Liability |
| Maine | 50/100/25 | BI & PD Liability, MED, UM, UIM |
| Maryland | 30/60/15 | BI & PD Liability, PIP, UM, UIM |
| Massachusetts | 25/50/30 | BI & PD Liability, PIP, UM |
| Michigan | 250/500/10 | BI & PD Liability, PIP |
| Minnesota | 30/60/10 | BI & PD Liability, PIP, UM, UIM |
| Mississippi | 25/50/25 | BI & PD Liability |
| Missouri | 25/50/25 | BI & PD Liability, UM |
| Montana | 25/50/20 | BI & PD Liability |
| Nebraska | 25/50/25 | BI & PD Liability, UM, UIM |
| Nevada | 25/50/20 | BI & PD Liability |
| New Hampshire | 25/50/25 | Financial responsibility only (insurance not mandatory) |
| New Jersey | 35/70/25 | BI & PD Liability, PIP, UM, UIM |
| New Mexico | 25/50/10 | BI & PD Liability |
| New York | 25/50/10 | BI & PD Liability, PIP, UM, UIM |
| North Carolina | 50/100/50 | BI & PD Liability, UM, UIM |
| North Dakota | 25/50/25 | BI & PD Liability, PIP, UM, UIM |
| Ohio | 25/50/25 | BI & PD Liability |
| Oklahoma | 25/50/25 | BI & PD Liability |
| Oregon | 25/50/20 | BI & PD Liability, PIP, UM, UIM |
| Pennsylvania | 15/30/5 | BI & PD Liability, PIP |
| Rhode Island | 25/50/25 | BI & PD Liability |
| South Carolina | 25/50/25 | BI & PD Liability, UM |
| South Dakota | 25/50/25 | BI & PD Liability, UM, UIM |
| Tennessee | 25/50/25 | BI & PD Liability |
| Texas | 30/60/25 | BI & PD Liability |
| Utah | 30/65/15 | BI & PD Liability, PIP |
| Vermont | 25/50/10 | BI & PD Liability, UM, UIM |
| Virginia | 50/100/25 | BI & PD Liability, UM, UIM |
| Washington | 25/50/10 | BI & PD Liability |
| West Virginia | 25/50/25 | BI & PD Liability, UM |
| Wisconsin | 25/50/10 | BI & PD Liability, UM |
| Wyoming | 25/50/20 | BI & PD Liability |
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Insurance Information Institute state table (as of Dec. 2023), re-checked 2026-10-12 against official state sources (DOI, DMV, revenue department or statute) for 49 of 51 jurisdictions, including 2025–26 increases in CA, HI, MA, NC, NJ, UT and VA. Each state page says whether it was confirmed. Checked 2026-10-12.
We don't sell insurance or provide quotes. Facts from regulators and public data only, no paid placement.
$25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability.
California (30/60/15, Jan. 2025), Virginia (50/100/25, Jan. 2025), North Carolina (50/100/50, July 2025) and New Jersey (35/70/25, Jan. 2026), per each state's law or regulator.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.