Updated October 2026

Minimum Car Insurance Requirements by State (2026)

Every state except New Hampshire requires drivers to carry car insurance. Most require liability coverage of at least $25,000 per injured person, but the minimums range from 15/30/5 in Pennsylvania to 50/100/50 in North Carolina, and 12 states are no-fault states that also require personal injury protection.

Click a state on the map for car insurance requirements in that state, or use the table to rank them.

This guide to car insurance requirements covers all 50 states and DC, with a map, a sortable table and a page for each state.

Minimum car insurance requirements map of the United States Alabama: 25/50/25 AL Alaska: 50/100/25 AK Arizona: 25/50/15 AZ Arkansas: 25/50/25 AR California: 30/60/15 CA Colorado: 25/50/15 CO Connecticut: 25/50/25 CT Delaware: 25/50/10 DE District of Columbia: 25/50/10 DC Florida: PIP + 10k PD FL Georgia: 25/50/25 GA Hawaii: 40/80/20 HI Idaho: 25/50/15 ID Illinois: 25/50/20 IL Indiana: 25/50/25 IN Iowa: 20/40/15 IA Kansas: 25/50/25 KS Kentucky: 25/50/25 KY Louisiana: 15/30/25 LA Maine: 50/100/25 ME Maryland: 30/60/15 MD Massachusetts: 25/50/30 MA Michigan: 50/100/10 MI Minnesota: 30/60/10 MN Mississippi: 25/50/25 MS Missouri: 25/50/25 MO Montana: 25/50/20 MT Nebraska: 25/50/25 NE Nevada: 25/50/20 NV New Hampshire: 25/50/25 NH New Jersey: 35/70/25 NJ New Mexico: 25/50/10 NM New York: 25/50/10 NY North Carolina: 50/100/50 NC North Dakota: 25/50/25 ND Ohio: 25/50/25 OH Oklahoma: 25/50/25 OK Oregon: 25/50/20 OR Pennsylvania: 15/30/5 PA Rhode Island: 25/50/25 RI South Carolina: 25/50/25 SC South Dakota: 25/50/25 SD Tennessee: 25/50/25 TN Texas: 30/60/25 TX Utah: 30/65/25 UT Vermont: 25/50/10 VT Virginia: 50/100/25 VA Washington: 25/50/10 WA West Virginia: 25/50/25 WV Wisconsin: 25/50/10 WI Wyoming: 25/50/20 WY
$50k+ per person (5) $30k–$40k per person (7) $25k per person (34) Under $25k per person (3) No injury liability required (2)

Minimum car insurance requirements: all states

StateMinimum liabilityAlso requiredFault system
Alabama 25/50/25 —At-fault
Alaska 50/100/25 —At-fault
Arizona 25/50/15 —At-fault
Arkansas 25/50/25 PIPAt-fault
California 30/60/15 —At-fault
Colorado 25/50/15 —At-fault
Connecticut 25/50/25 UM, UIMAt-fault
Delaware 25/50/10 PIPAt-fault
District of Columbia 25/50/10 UMAt-fault
Florida PIP + 10k PD PIPNo-fault
Georgia 25/50/25 —At-fault
Hawaii 40/80/20 PIPNo-fault
Idaho 25/50/15 —At-fault
Illinois 25/50/20 UM, UIMAt-fault
Indiana 25/50/25 —At-fault
Iowa 20/40/15 —At-fault
Kansas 25/50/25 PIP, UM, UIMNo-fault
Kentucky 25/50/25 PIPNo-fault
Louisiana 15/30/25 —At-fault
Maine 50/100/25 MedPay, UM, UIMAt-fault
Maryland 30/60/15 PIP, UM, UIMAt-fault
Massachusetts 25/50/30 PIP, UMNo-fault
Michigan 50/100/10 PIP, PPINo-fault
Minnesota 30/60/10 PIP, UM, UIMNo-fault
Mississippi 25/50/25 —At-fault
Missouri 25/50/25 UMAt-fault
Montana 25/50/20 —At-fault
Nebraska 25/50/25 UM, UIMAt-fault
Nevada 25/50/20 —At-fault
New Hampshire 25/50/25 —At-fault
New Jersey 35/70/25 PIP, UM, UIMNo-fault
New Mexico 25/50/10 —At-fault
New York 25/50/10 PIP, UMNo-fault
North Carolina 50/100/50 UM, UIMAt-fault
North Dakota 25/50/25 PIP, UM, UIMNo-fault
Ohio 25/50/25 —At-fault
Oklahoma 25/50/25 —At-fault
Oregon 25/50/20 PIP, UM, UIMAt-fault
Pennsylvania 15/30/5 PIPNo-fault
Rhode Island 25/50/25 —At-fault
South Carolina 25/50/25 UMAt-fault
South Dakota 25/50/25 UM, UIMAt-fault
Tennessee 25/50/25 —At-fault
Texas 30/60/25 —At-fault
Utah 30/65/25 PIPNo-fault
Vermont 25/50/10 UM, UIMAt-fault
Virginia 50/100/25 UM, UIMAt-fault
Washington 25/50/10 —At-fault
West Virginia 25/50/25 UMAt-fault
Wisconsin 25/50/10 UMAt-fault
Wyoming 25/50/20 —At-fault
Map of minimum car insurance requirements by state in 2026: 5 $50k+ per person, 7 $30k–$40k per person, 34 $25k per person, 3 under $25k per person, 2 no injury liability required
Minimum car insurance requirements in all 50 states and DC, October 2026.

How to read 25/50/25

The three numbers are liability limits in thousands of dollars: the most your insurer pays for one injured person, for all injured people in one accident, and for damage to other people's property. 25/50/25 means $25,000, $50,000 and $25,000.

No-fault vs. at-fault states

In a no-fault state, your own personal injury protection (PIP) pays your medical bills after a crash, no matter who caused it, and lawsuits are limited to serious injuries. In an at-fault state, the driver who caused the crash pays through their liability coverage.

Several states raised their minimums recently

California (2025), Utah (2025), Virginia (2025), Massachusetts (2025), North Carolina (2025), Hawaii (2026) and New Jersey (2026) all raised their required limits. If your policy is older, check that it still meets the current minimum.

How regions differ on car insurance requirements

Grouped by census region, the map of car insurance requirements looks like this:

The table above lists car insurance requirements and links to each state guide.

  • Midwest: 1 $50k+ per person, 1 $30k–$40k per person, 9 $25k per person, 1 under $25k per person.
  • Northeast: 1 $50k+ per person, 1 $30k–$40k per person, 5 $25k per person, 1 under $25k per person, 1 no injury liability required.
  • South: 2 $50k+ per person, 2 $30k–$40k per person, 11 $25k per person, 1 under $25k per person, 1 no injury liability mandatory.
  • West: 1 $50k+ per person, 3 $30k–$40k per person, 9 $25k per person.

The higher and lower states on car insurance requirements

The higher states you find North Carolina (50/100/50), Alaska (50/100/25), Maine (50/100/25) and Virginia (50/100/25).

The lower states are New Hampshire (25/50/25), Florida (PIP + 10k PD), Pennsylvania (15/30/5) and Louisiana (15/30/25).

Every state page explains car insurance requirements in more detail, with neighbors and local tips.

Recent changes to car insurance requirements

  • Jan 2026 — New Jersey: Minimum car insurance rose to 35/70/25.
  • Jan 2026 — Hawaii: Minimum car insurance rose to 40/80/20.
  • Jul 2025 — North Carolina: Minimums rose to 50/100/50, and UIM became mandatory.
  • Jan 2025 — California: Minimums doubled to 30/60/15.

FAQ: car insurance requirements

Which states are no-fault states?

Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah are no-fault (or choice no-fault) states.

Which state does not require car insurance?

New Hampshire does not require car insurance for the majority of motorists, but they must be able to pay for damage they cause.

Is the state minimum enough?

Usually not. Medical bills and repairs following a serious crash can easily exceed minimum limits, and you can be held personally responsible for the rest.

Where can I check car insurance requirements for my state?

Open your state from the table or map; each state page links to the agencies and shows the review date.

How often do car insurance requirements change?

Most changes take effect on January 1 or July 1 after a legislative session; we review the data every few months and show the date on every page.

More rules by state