Most states require drivers to carry some level of car insurance. Some states only require minimum amounts of liability insurance, while others have additional coverage requirements, such as personal injury protection.
Buying the minimum required amount of liability insurance provides you some financial protection if you are at fault for an accident. If you cause an accident, you could be sued for damages that exceed the limits of your coverage. A good rule of thumb is to buy enough liability insurance to cover the assets you could lose in a lawsuit.
States that require PIP as part of no-fault car insurance are:
- Florida
- Hawaii
- Kansas
- Kentucky (offers a choice of no-fault or some ability to sue)
- Massachusetts
- Michigan
- Minnesota
- New Jersey (offers a choice of no-fault or some ability to sue)
- New York
- North Dakota
- Pennsylvania (offers a choice of no-fault or some ability to sue)
- Utah
Other states that require PIP:
- Delaware
- Maryland
- Oregon
States where PIP is optional:
- Arkansas
- Connecticut
- District of Columbia
- Texas
- Washington
Minimum Car Insurance Requirements by State
(2025 updates are listed at the bottom of this page)
| State | Minimum car insurance requirements |
|---|---|
| Alabama | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Alaska | Liability insurance • $50,000 bodily injury per person • $100,000 bodily injury per accident • $25,000 property damage per accident |
| Arizona | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $15,000 property damage per accident |
| Arkansas | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| California | Liability insurance • $15,000 bodily injury per person • $30,000 bodily injury per accident • $5,000 property damage per accident |
| Colorado | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $15,000 property damage per accident |
| Connecticut | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accidentAdditional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident |
| Delaware | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accidentAdditional requirements • $15,000 personal injury per person • $30,000 personal injury per accident |
| Florida | Liability insurance • $10,000 bodily injury per person • $20,000 bodily injury per accident • $10,000 property damage per accidentAdditional requirements • $10,000 personal injury protection 80% Co-insurance requirement |
| Georgia | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Hawaii | Liability insurance • $20,000 bodily injury per person • $40,000 bodily injury per accident • $10,000 property damage per accidentAdditional requirements • $10,000 personal injury protection |
| Idaho | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $15,000 property damage per accident |
| Illinois | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $20,000 property damage per accidentAdditional requirements • $25,000 uninsured motorist bodily injury per person • $50,000 uninsured motorist bodily injury per accident |
| Indiana | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Iowa | Liability insurance • $20,000 bodily injury per person • $40,000 bodily injury per accident • $15,000 property damage per accident |
| Kansas | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accidentAdditional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $4,500 personal injury protection per person |
| Kentucky | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accidentAdditional requirements • $10,000 personal injury protection per person |
| Louisiana | Liability insurance • $15,000 bodily injury per person • $30,000 bodily injury per accident • $25,000 property damage per accident |
| Maine | Liability insurance • $50,000 bodily injury per person • $100,000 bodily injury per accident • $25,000 property damage per accidentAdditional requirements • $50,000 uninsured/underinsured motorist bodily injury per person • $100,000 uninsured/underinsured motorist bodily injury per accident • $2,000 medical payments |
| Maryland | Liability insurance • $30,000 bodily injury per person • $60,000 bodily injury per accident • $15,000 property damage per accidentAdditional requirements • $30,000 uninsured/underinsured motorist bodily injury per person • $60,000 uninsured/underinsured motorist bodily injury per accident • $15,000 uninsured motorist property damage per accident • $2,500 personal injury protection |
| Massachusetts | Liability insurance • $20,000 bodily injury per person • $40,000 bodily injury per accident • $5,000 property damage per accidentAdditional requirements • $20,000 uninsured/underinsured motorist bodily injury per person • $40,000 uninsured/underinsured motorist bodily injury per accident • $8,000 personal injury protection |
| Michigan | Liability insurance • $50,000 bodily injury per person • $100,000 bodily injury per accident • $10,000 property damage per accidentAdditional requirements • $250,000 personal injury protection • $1,000,000 personal property insurance |
| Minnesota | Liability insurance • $30,000 bodily injury per person • $60,000 bodily injury per accident • $10,000 property damage per accidentAdditional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $40,000 personal injury protection per person |
| Mississippi | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Missouri | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured motorist injury per person • $50,000 uninsured motorist bodily injury per accident |
| Montana | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $20,000 property damage per accident |
| Nebraska | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident |
| Nevada | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $20,000 property damage per accident |
| New Hampshire | None, but if you run into certain problems on the road, you may be required to purchase: Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident $1,000 medical payments |
| New Jersey | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accidentAdditional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $25,000 uninsured/underinsured motorist property damage per accident • $15,000 personal injury protection |
| New Mexico | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident |
| New York | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $50,000 personal injury protection |
| North Carolina | Liability insurance • $30,000 bodily injury per person • $60,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $30,000 uninsured motorist bodily injury per person • $60,000 uninsured motorist bodily injury per accident • $25,000 uninsured motorist property damage per accident |
| North Dakota | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $30,000 personal injury protection per person |
| Ohio | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Oklahoma | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Oregon | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $20,000 property damage per accident Additional requirements • $25,000 uninsured motorist bodily injury protection per person • $50,000 uninsured motorist bodily injury protection per accident • $15,000 personal injury protection per person |
| Pennsylvania | Liability insurance • $15,000 bodily injury per person • $30,000 bodily injury per accident • $5,000 property damage per accident Additional requirements • $5,000 medical benefits |
| Rhode Island | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| South Carolina | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured motorist bodily injury per person • $50,000 uninsured motorist bodily injury per accident • $25,000 uninsured motorist property damage per accident Note: Qualified drivers can pay a $600 uninsured motor vehicle fee to forgo coverage. |
| South Dakota | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident |
| Tennessee | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident |
| Texas | Liability insurance • $30,000 bodily injury per person • $60,000 bodily injury per accident • $25,000 property damage per accident |
| Utah | Liability insurance • $25,000 bodily injury per person • $65,000 bodily injury per accident • $15,000 property damage per accident Additional requirements • $3,000 personal injury protection per person |
| Vermont | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident Additional requirements • $50,000 uninsured/underinsured motorist bodily injury per person • $100,000 uninsured/underinsured motorist bodily injury per accident • $10,000 uninsured motorist property damage per accident |
| Virginia | Liability insurance • $30,000 bodily injury per person • $60,000 bodily injury per accident • $20,000 property damage per accident Additional requirements • $30,000 uninsured/underinsured motorist bodily injury per person • $60,000 uninsured/underinsured motorist bodily injury per accident • $20,000 uninsured/underinsured motorist property damage per accident Note: Drivers can pay a $500 uninsured motor vehicle (UMV) fee to forgo coverage. |
| Washington | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident |
| Washington, D.C. | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident • $5,000 uninsured motorist property damage per accident |
| West Virginia | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $25,000 property damage per accident Additional requirements • $25,000 uninsured motorist bodily injury per person • $50,000 uninsured motorist bodily injury per accident • $25,000 uninsured motorist property damage per accident |
| Wisconsin | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $10,000 property damage per accident Additional requirements • $25,000 uninsured/underinsured motorist bodily injury per person • $50,000 uninsured/underinsured motorist bodily injury per accident |
| Wyoming | Liability insurance • $25,000 bodily injury per person • $50,000 bodily injury per accident • $20,000 property damage per accident |
| Insurance requirements based on information provided by each state’s department of motor vehicles, as of January 2023. | |
UM: Uninsured motorist coverage
UIM: Underinsured motorist coverage
UM BI: Uninsured motorist bodily injury coverage
UMPD: Uninsured motorist property damage coverage
PIP: Personal injury protection
PPI: Property protection insurance (applies only to Michigan)
BI liability: Bodily injury liability
Several states have enacted changes to their minimum auto insurance liability coverage requirements for 2025 to better protect drivers and align with current economic conditions. Here’s a summary of the key updates:
California
- Effective Date: January 1, 2025
- Previous Minimums:
- $15,000 for bodily injury or death per person
- $30,000 for bodily injury or death per accident
- $5,000 for property damage per accident
- New Minimums:
- $30,000 for bodily injury or death per person
- $60,000 for bodily injury or death per accident
- $15,000 for property damage per accident
- Details: This adjustment, the first in over 50 years, aims to provide better financial protection for drivers in the event of an accident.
North Carolina
- Effective Date: July 1, 2025
- Previous Minimums:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
- New Minimums:
- $50,000 for bodily injury per person
- $100,000 for bodily injury per accident
- $50,000 for property damage per accident
- Details: These increases, the first in over two decades, aim to ensure that drivers have sufficient coverage to protect themselves and others in the event of an accident.
Virginia
- Effective Date: January 1, 2025
- Previous Minimums:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $20,000 for property damage per accident
- New Minimums:
- $50,000 for bodily injury per person
- $100,000 for bodily injury per accident
- $25,000 for property damage per accident
- Details: In addition to increasing minimum liability limits, Virginia now requires all drivers to carry insurance, eliminating the option to pay an uninsured motor vehicle fee.
Utah
- Effective Date: January 1, 2025
- Previous Minimums:
- $25,000 for bodily injury per person
- $65,000 for bodily injury per accident
- $15,000 for property damage per accident
- New Minimums:
- $30,000 for bodily injury per person
- $65,000 for bodily injury per accident
- $25,000 for property damage per accident
- Details: As a no-fault state, Utah also requires drivers to carry personal injury protection (PIP) coverage.
These changes reflect a broader trend toward increasing minimum auto insurance requirements to ensure that coverage levels keep pace with rising medical and repair costs. Drivers in these states should review their current policies to ensure compliance and consider how the new minimums may impact their premiums.