Understanding Auto Insurance in Your State
Nearly all states in the U.S. require drivers to carry auto insurance, and for those with no official requirements, it is still highly recommended to have an auto policy. No matter where you live, understanding your state's minimum requirements is essential.
You'll typically see a state's auto insurance requirements written as a series of numbers, such as 25/50/25. This format represents the minimum liability insurance coverage that you are required to have.
For example, California requires you to purchase a 15/30/5 policy. This means your policy will cover up to $15,000 for bodily injuries per person, $30,000 for bodily injuries per accident, and $5,000 for property damage. While some states require additional types of insurance, nearly all require liability insurance.
States can also be divided into at-fault and no-fault states, which determine who pays for injuries that occur in a crash. To learn more about these terms, visit our car insurance coverages page.
Minimum Liability Insurance Requirements by State:
| Alabama: - 20/40/10 - At-fault state |
Hawaii: - 20/40/10 - No-fault state |
Michigan: - 20/40/10 - No-fault state |
North Carolina: - 30/60/25 - At-fault state |
Utah: - 25/65/15 -No-fault state |
| Alaska: - 50/100/25 - At-fault state |
Idaho: - 20/50/15 - At-fault state |
Minnesota: - 30/60/10 - No-fault state |
North Dakota: - 25/50/25 - No-fault state |
Vermont: - 25/50/10 - At-fault state |
| Arizona: - 15/30/10 - At-fault state |
Illinois: - 20/40/15 - At-fault state |
Mississippi: - 25/50/25 - At-fault state |
Ohio: - 25/50/25 - At-fault state |
Virginia: - 25/50/20 - At-fault state |
| Arkansas: - 25/50/15 - At-fault state |
Indiana: - 25/50/10 - At-fault state |
Missouri: - 25/50/10 - At-fault state |
Oklahoma: - 10/20/10 - At-fault state |
Washington: - 25/50/10 - At-fault state |
| California: - 15/30/5 - At-fault state |
Iowa: - 20/40/15 - At-fault state |
Montana: - 25/50/10 - At-fault state |
Oregon: - 25/50/10 - At-fault state |
West Virginia: - 20/40/10 - At-fault state |
| Colorado: - 25/50/15 - At-fault state |
Kansas: - 25/50/10 - No-fault state |
Nebraska: - 25/50/25 - At-fault state |
Pennsylvania: - 15/30/5 - No-fault state |
Wisconsin: - 25/50/10 - At-fault state |
| Connecticut: - 20/40/10 - At-fault state |
Kentucky: - 25/50/10 - No-fault state |
Nevada: - 15/30/10 - At-fault state |
Rhode Island: - 25/50/25 - At-fault state |
Wyoming: - 25/50/20 - At-fault state |
| Delaware: 15/30/5 - At-fault state |
Louisiana: - 10/20/10 - At-fault state |
New Hampshire: - 25/50/25 - At-fault state |
South Carolina: - 25/50/25 - At-fault state |
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| District of Columbia: - 25/50/5 - At-fault state |
Maine: - 50/100/25 - At-fault state |
New Jersey: - 15/30/5 - No-fault state |
South Dakota: - 25/50/25 - At-fault state |
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| Florida: - 10/20/10 - No-fault state |
Maryland: - 20/40/10 - At-fault state |
New Mexico: - 25/50/10 - At-fault state |
Tennessee: - 25/50/10 - At-fault state |
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| Georgia: - 15/30/10 - At-fault state |
Massachusetts: - 20/40/5 - No-fault state |
New York: - 25/50/10 - No-fault state |
Texas: - 30/60/25 - At-fault state |
Optional Car Insurance Coverages
No law in any state requires you to settle for a state's minimum auto insurance requirements. You can always expand your coverage by adding optional insurance policies that cover a wider range of situations and expenses.
Some additional coverages to consider include:
- Higher Bodily Injury Limits
- Higher Property Damage Limits
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
With over 50 years of experience, AIS can help you find the right coverage for you. Start a quote today by using the button below.