State by State Auto Insurance Requirements
Your comprehensive guide to auto insurance minimums in every U.S. state with A Plus Insurance.
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Overview of State by State Auto Insurance Requirements
U.S. Minimum Coverage
All states except New Hampshire require liability insurance, with limits like $25,000/$50,000 for bodily injury and $25,000 property damage. In 2025, 49 states mandate coverage, averaging $736/year for minimum policies.
Key Variations
No-fault states like Florida require PIP; others like California updated limits to $30/60/15 in 2025. These ensure financial responsibility, protecting against claims averaging $20,000 per accident.
A Plus Insurance Guidance
A Plus Insurance helps meet state requirements with affordable policies from Progressive or Geico. Get quotes to comply without overpaying.
What is Alabama's auto insurance requirement?
Alabama requires 25/50/25 liability coverage, with no UM/UIM mandatory but recommended. Average minimum policy costs $1,200/year. See Alabama insurance.
What is Alaska's auto insurance requirement?
Alaska mandates 25/50/25 liability and UM/UIM coverage. Policies average $1,100/year for minimums. Explore Alaska insurance.
What is Arizona's auto insurance requirement?
Arizona requires 25/50/25 liability, with UM/UIM optional. Minimum coverage costs $1,000/year on average. Check Arizona insurance.
What is Arkansas's auto insurance requirement?
Arkansas mandates 25/50/25 liability and UM/UIM coverage. Average minimum policy is $1,300/year. See Arkansas insurance.
What is California's auto insurance requirement?
California requires 30/60/15 liability as of 2025, with UM/UIM optional. Minimum policies average $1,000/year. Explore California insurance.
What is Colorado's auto insurance requirement?
Colorado mandates 25/50/25 liability, with UM/UIM optional. Average minimum coverage costs $1,200/year. See Colorado car insurance.
What is Connecticut's auto insurance requirement?
Connecticut requires 25/50/25 liability and UM/UIM coverage. Minimum policies average $1,100/year. Check Connecticut insurance.
What is Delaware's auto insurance requirement?
Delaware mandates 25/50/25 liability and UM/UIM coverage. Average minimum policy is $1,400/year. See Delaware insurance.
What is Florida's auto insurance requirement?
Florida requires 10/20/10 liability and $10,000 PIP as a no-fault state. Minimum coverage averages $1,500/year. Explore Florida insurance.
What is Georgia's auto insurance requirement?
Georgia mandates 25/50/25 liability, with UM/UIM optional. Average minimum policy costs $1,300/year. See Georgia insurance.
What is Hawaii's auto insurance requirement?
Hawaii requires 20/40/10 liability and UM/UIM coverage. Minimum policies average $1,200/year. Check Hawaii insurance.
What is Idaho's auto insurance requirement?
Idaho mandates 25/50/15 liability, with UM/UIM optional. Average minimum coverage is $900/year. See Idaho insurance.
What is Illinois's auto insurance requirement?
Illinois requires 25/50/20 liability and UM/UIM coverage. Minimum policies average $1,100/year. Explore Illinois insurance.
What is Indiana's auto insurance requirement?
Indiana mandates 25/50/25 liability, with UM/UIM optional. Average minimum policy costs $1,000/year. See Indiana car insurance.
What is Iowa's auto insurance requirement?
Iowa requires 20/40/15 liability, with UM/UIM optional. Minimum coverage averages $800/year. Check Iowa insurance.
What is Kansas's auto insurance requirement?
Kansas mandates 25/50/25 liability and UM/UIM coverage. Average minimum policy is $1,100/year. See Kansas auto insurance.
What is Kentucky's auto insurance requirement?
Kentucky requires 25/50/25 liability and UM/UIM coverage. Minimum policies average $1,400/year. Explore Kentucky insurance.
What is Louisiana's auto insurance requirement?
Louisiana mandates 15/30/25 liability, with UM/UIM optional. Average minimum coverage costs $1,500/year. See Louisiana insurance.
What is Maine's auto insurance requirement?
Maine requires 25/50/25 liability and UM/UIM coverage. Minimum policies average $900/year. Check Maine car insurance.
What is Maryland's auto insurance requirement?
Maryland mandates 30/60/15 liability and UM/UIM coverage. Average minimum policy is $1,200/year. See Maryland car insurance.
What is Massachusetts's auto insurance requirement?
Massachusetts requires 20/40/5 liability and UM/UIM coverage. Minimum coverage averages $1,100/year. Explore Massachusetts insurance.
What is Michigan's auto insurance requirement?
Michigan mandates 50/100/10 liability and PIP coverage as a no-fault state. Minimum policies average $2,000/year. See Michigan insurance.
What is Minnesota's auto insurance requirement?
Minnesota requires 30/60/10 liability and UM/UIM coverage. Average minimum policy costs $1,000/year. Check Minnesota insurance.
What is Mississippi's auto insurance requirement?
Mississippi mandates 25/50/25 liability, with UM/UIM optional. Minimum coverage averages $1,300/year. See Mississippi insurance.
What is Missouri's auto insurance requirement?
Missouri requires 25/50/25 liability and UM/UIM coverage. Average minimum policy is $1,200/year. Explore Missouri insurance.
What is Montana's auto insurance requirement?
Montana mandates 25/50/20 liability, with UM/UIM optional. Minimum policies average $900/year. See Montana car insurance.
What is Nebraska's auto insurance requirement?
Nebraska requires 25/50/25 liability and UM/UIM coverage. Average minimum coverage costs $1,000/year. Check Nebraska insurance.
What is Nevada's auto insurance requirement?
Nevada mandates 25/50/20 liability, with UM/UIM optional. Minimum policies average $1,200/year. See Nevada insurance.
What is New Hampshire's auto insurance requirement?
New Hampshire does not require insurance but mandates proof of financial responsibility. Minimum policies average $900/year if purchased. Explore New Hampshire insurance.
What is New Jersey's auto insurance requirement?
New Jersey requires 15/30/5 liability and UM/UIM coverage as a no-fault state. Average minimum policy costs $1,500/year. See New Jersey insurance.
What is New Mexico's auto insurance requirement?
New Mexico mandates 25/50/25 liability, with UM/UIM optional. Minimum coverage averages $1,000/year. Check New Mexico insurance.
What is New York's auto insurance requirement?
New York requires 25/50/25 liability and UM/UIM coverage. Minimum policies average $1,400/year. See New York car insurance quotes.
What is North Carolina's auto insurance requirement?
North Carolina requires 30/60/25 liability and UM/UIM coverage as of 2025. Average minimum policy is $1,000/year. Explore North Carolina auto insurance.
What is North Dakota's auto insurance requirement?
North Dakota mandates 25/50/25 liability and UM/UIM coverage. Minimum coverage averages $1,100/year. See North Dakota SR22 insurance.
What is Ohio's auto insurance requirement?
Ohio requires 25/50/25 liability, with UM/UIM optional. Average minimum policy costs $900/year. Check Ohio SR22 insurance.
What is Oklahoma's auto insurance requirement?
Oklahoma mandates 25/50/25 liability and UM/UIM coverage. Minimum policies average $1,300/year. See Oklahoma insurance.
What is Oregon's auto insurance requirement?
Oregon requires 25/50/20 liability, with UM/UIM optional. Average minimum coverage is $1,000/year. Explore Oregon insurance.
What is Pennsylvania's auto insurance requirement?
Pennsylvania mandates 15/30/5 liability and UM/UIM coverage. Minimum policies average $1,200/year. See Pennsylvania insurance.
What is Rhode Island's auto insurance requirement?
Rhode Island requires 25/50/25 liability and UM/UIM coverage. Average minimum policy costs $1,100/year. Check Rhode Island insurance.
What is South Carolina's auto insurance requirement?
South Carolina mandates 25/50/25 liability and UM/UIM coverage. Minimum coverage averages $1,400/year. See South Carolina car insurance.
What is South Dakota's auto insurance requirement?
South Dakota requires 25/50/25 liability, with UM/UIM optional. Average minimum policy is $1,000/year. Explore South Dakota auto insurance.
What is Tennessee's auto insurance requirement?
Tennessee mandates 25/50/25 liability, with UM/UIM optional. Minimum policies average $1,200/year. See Tennessee insurance.
What is Texas's auto insurance requirement?
Texas requires 30/60/25 liability, with UM/UIM optional. Average minimum coverage costs $1,500/year. Check Texas insurance.
What is Utah's auto insurance requirement?
Utah mandates 25/65/15 liability and UM/UIM coverage as of 2025. Minimum policies average $1,100/year. See Utah insurance.
What is Vermont's auto insurance requirement?
Vermont requires 25/50/10 liability, with UM/UIM optional. Average minimum policy is $900/year. Explore Vermont auto insurance requirements.
What is Virginia's auto insurance requirement?
Virginia mandates 30/60/20 liability as of 2025, with UM/UIM optional. Minimum coverage averages $1,000/year. See Virginia insurance.
What is Washington's auto insurance requirement?
Washington requires 25/50/10 liability, with UM/UIM optional. Average minimum policy costs $1,100/year. Check Washington insurance.
What is West Virginia's auto insurance requirement?
West Virginia mandates 25/50/25 liability and UM/UIM coverage. Minimum policies average $1,200/year. See West Virginia car insurance.
What is Wisconsin's auto insurance requirement?
Wisconsin requires 25/50/10 liability, with UM/UIM optional. Average minimum coverage is $800/year. Explore Wisconsin insurance.
What is Wyoming's auto insurance requirement?
Wyoming mandates 25/50/20 liability, with UM/UIM optional. Minimum policies average $900/year. See Wyoming insurance.
What is Washington D.C.'s auto insurance requirement?
D.C. requires 25/50/10 liability and UM/UIM coverage. Average minimum policy costs $1,300/year. Check D.C. insurance.
How do I meet state requirements?
A Plus Insurance helps select policies meeting state minimums, starting at $500/year. In 2023, 90% of drivers complied with coverage. Get a quote today.
State Auto Insurance Requirements Comparison
Compare minimum liability limits across key states (2025 data).
| State | Bodily Injury (Per Person/Accident) | Property Damage | UM/UIM Required? |
|---|---|---|---|
| Alabama | 25/50 | 25 | No |
| California | 30/60 | 15 | No |
| Florida | 10/20 | 10 | No |
| Texas | 30/60 | 25 | No |
| New York | 25/50 | 25 | No |
State by State Auto Insurance Requirements
State by state auto insurance requirements ensure drivers maintain financial responsibility, with 49 states mandating liability coverage in 2025 (New Hampshire exempt). Limits like Alabama's 25/50/25 protect against claims averaging $20,000, while California's updated 30/60/15 reflects rising costs. A Plus Insurance helps meet these with affordable policies from Geico or State Farm, starting at $500/year. No-fault states like Florida require PIP ($10,000 minimum), covering medical expenses regardless of fault. See insurance requirement by state for compliance.
UM/UIM coverage, required in 20 states, protects against uninsured drivers (13% of vehicles in 2023). Premiums average $736/year for minimums, but bundling saves 15%, or $110/year. In 2025, Virginia's new 50/100/25 limits and Utah's 25/65/15 updates aim for better protection. A Plus Insurance tailors policies nationwide, ensuring minimums like Texas's 30/60/25. With 10% of drivers uninsured, exceeding minimums avoids out-of-pocket costs. Explore auto insurance comparison for state-specific savings.