Minimum Car Insurance Requirements by State
Understanding liability limits, no-fault rules, and mandatory coverage. Each state sets its own minimum car insurance requirements. This educational guide explains them in simple language — updated for 2025.
🔍 What Do Minimum Numbers Mean?
Car insurance minimums are typically shown as three numbers: 25/50/25 — that's $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Some states require additional coverages like PIP (Personal Injury Protection) or Uninsured Motorist.
- Bodily Injury Liability (BI): Pays for injuries you cause to others.
- Property Damage Liability (PD): Pays for damage you cause to someone else's property.
- PIP / MedPay: Covers your own medical costs regardless of fault.
⭐ Beginner tip Always buy more than the minimum if your budget allows — medical bills and lawsuits can exceed state limits.
📋 Minimum Liability Requirements (by State)
| State | Bodily Injury (per person/per accident) | Property Damage | Special Notes |
|---|---|---|---|
| Alabama | 25/50 | $25k | — |
| Alaska | 50/100 | $25k | — |
| Arizona | 25/50 | $15k | — |
| Arkansas | 25/50 | $25k | — |
| California | 15/30 | $5k | Low property damage |
| Colorado | 25/50 | $15k | — |
| Connecticut | 25/50 | $25k | UM/UIM required |
| Delaware | 25/50 | $10k | PIP required |
| Florida | 10/20 | $10k | No-fault, PIP required |
| Georgia | 25/50 | $25k | — |
| Hawaii | 20/40 | $10k | No-fault, PIP required |
| Idaho | 25/50 | $15k | — |
| Illinois | 25/50 | $20k | UM required |
| Indiana | 25/50 | $25k | — |
| Iowa | 20/40 | $15k | — |
| Kansas | 25/50 | $25k | No-fault, PIP |
| Kentucky | 25/50 | $25k | No-fault option |
| Louisiana | 15/30 | $25k | — |
| Maine | 50/100 | $25k | UM/UIM required |
| Maryland | 30/60 | $15k | PIP, UM required |
| Massachusetts | 20/40 | $5k | No-fault, PIP |
| Michigan | 50/100 | $10k | No-fault, unlimited PIP |
| Minnesota | 30/60 | $10k | No-fault, PIP |
| Mississippi | 25/50 | $25k | — |
| Missouri | 25/50 | $25k | UM optional |
| Montana | 25/50 | $25k | — |
| Nebraska | 25/50 | $25k | UM required |
| Nevada | 25/50 | $20k | — |
| New Hampshire | 25/50 | $25k | No mandatory insurance but financial responsibility |
| New Jersey | 15/30 | $5k | No-fault, PIP required |
| New Mexico | 25/50 | $10k | — |
| New York | 25/50 | $10k | No-fault, PIP required |
| North Carolina | 30/60 | $25k | UM required |
| North Dakota | 25/50 | $25k | No-fault, PIP |
| Ohio | 25/50 | $25k | — |
| Oklahoma | 25/50 | $25k | — |
| Oregon | 25/50 | $20k | PIP required |
| Pennsylvania | 15/30 | $5k | No-fault choice, PIP required |
| Rhode Island | 25/50 | $25k | UM required |
| South Carolina | 25/50 | $25k | UM required |
| South Dakota | 25/50 | $25k | UM required |
| Tennessee | 25/50 | $15k | — |
| Texas | 30/60 | $25k | — |
| Utah | 25/65 | $15k | No-fault, PIP |
| Vermont | 25/50 | $10k | UM required |
| Virginia | 25/50 | $20k | Underinsured motorist optional but common |
| Washington | 25/50 | $10k | — |
| West Virginia | 25/50 | $25k | UM required |
| Wisconsin | 25/50 | $10k | UM required |
| Wyoming | 25/50 | $20k | — |
Note: Limits represent thousands of dollars. Some states have additional coverage mandates. Always confirm with your state’s DOI.
🚦 No-Fault Insurance States & PIP
In no-fault states, your own insurance pays for medical bills regardless of who caused the accident. This reduces lawsuits. States with no-fault systems: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah. Each has specific PIP (Personal Injury Protection) minimums.
If you live in a no-fault state, carrying sufficient PIP coverage is mandatory.
❓ Frequently Asked Questions
This website provides general information for educational purposes only and does not constitute legal, financial, or insurance advice. State insurance requirements may change. You should consult a licensed insurance agent or your state’s insurance department for official guidance. No guarantees or warranties are made regarding accuracy, completeness, or suitability. No promises of specific results.
🔹 No external links, no URL changes. All references are internal educational content.