Everything You Need To Know About State Auto Insurance Requirements [Find Your State’s]

image shows map of 50 states
Understanding Car Insurance Requirements By State

Everything You Need To Know About State Auto Insurance Requirements

Click on Your State to Find Your Auto Insurance Requirements!

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY


It’s very important to know your auto insurance requirements in the state you live in. Why?

  • For one thing it’s good to know what you are covered for.
  • Secondly, you need to decide if the state requirements are what you need for your policy.

Below we have listed the requirements for each state for your convenience. As you can see, each state varies with the types of coverages. 


ALABAMA

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejections form required for Uninsured Motorist Coverage

ALASKA

  • Minimum Requirements: 50/100/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured Coverage

ARIZONA

  • Minimum Requirements: 25/50/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage:Optional
  • Rejection forms required for Uninsured and Underinsured coverage

ARKANSAS

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for PIP, Uninsured, and Underinsured coverage

CALIFORNIA

  • Minimum Requirements: 15/30/5
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

COLORADO

  • Minimum Requirements: 25/50/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Medical Payments and Uninsured Coverage

CONNECTICUT

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

DELAWARE

  • Minimum Requirements: 25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured Motorist coverage

FLORIDA

  • Minimum Requirements: 10/20/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninusred Motorist coverage

GEORGIA

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured Motorist coverage

HAWAII

  • Minimum Requirements: 20/40/10
  • Personal Injury Protection: $10,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

IDAHO

  • Minimum Requirements: 25/50/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured Motorist coverage

ILLINOIS

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection form required for Uninsured Motorist coverage

INDIANA

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

IOWA

  • Minimum Requirements: 20/40/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

KANSAS

  • Minimum Requirements: 25/50/25
  • Personal Injury Protection: $4,500
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage:$25,000 per person; $50,000 per accident

KENTUCKY

  • Minimum Requirements: 25/50/10
  • Personal Injury Protection: $10,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

LOUISIANA

  • Minimum Requirements: 15/30/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

MAINE

  • Minimum Requirements: 50/100/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: $2,000
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured Motorist coverage

MARYLAND

  • Minimum Requirements: 30/60/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $30,000 per person; $60,000 per accident
  • Waiver form required for PIP

MASSACHUSETTS

  • Minimum Requirements: 20/40/5
  • Personal Injury Protection: $8,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage:$20,000 per person; $40,000 per accident

MICHIGAN

  • Minimum Requirements: 50/100/10
  • Personal Injury Protection: $50,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

MINNESOTA

  • Minimum Requirements: 30/60/10
  • Personal Injury Protection: $40,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

MISSISSIPPI

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured Motorist coverage

MISSOURI

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

MONTANA

  • Minimum Requirements: 25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection form required for Uninsured Motorist coverage

NEBRASKA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection forms required for Uninsured and Underinsured coverage

NEVADA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection forms required for Uninsured, Underinsured and medical payments coverage

NEW HAMPSHIRE

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: $1,000
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection form required for excess Uninsured Motorist coverage

NEW JERSEY

  • Minimum Requirements:15/30/5
  • Personal Injury Protection: $15,000
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

NEW MEXICO

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

NEW YORK

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: $50,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

NORTH CAROLINA

  • Minimum Requirements:30/60/25
  • Personal Injury Protection: $60,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $30,000 per person; $60,000 per accident

NORTH DAKOTA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: $30,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

OHIO

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

OKLAHOMA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

OREGON

  • Minimum Requirements:25/50/20
  • Personal Injury Protection: $15,000
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

PENNSYLVANIA

  • Minimum Requirements:15/30/5
  • Personal Injury Protection: $5,000
  • Medical Payments Coverage:$5,000
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

RHODE ISLAND

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Medical Payments coverage

SOUTH CAROLINA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection form required for Underinsured Motorist coverage

SOUTH DAKOTA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

TENNESSEE

  • Minimum Requirements:25/50/15
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured Motorist coverage

TEXAS

  • Minimum Requirements:30/60/25
  • Personal Injury Protection: $2,500
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured, Underinsured, and PIP coverage

UTAH

  • Minimum Requirements:25/65/15
  • Personal Injury Protection: $3,000
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

VERMONT

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage:Optional
  • Uninsured/Underinsured Motorist Coverage: Optional

VIRGINIA

  • Minimum Requirements:25/50/20
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident

WASHINGTON

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured and Underinsured coverage

WEST VIRGINIA

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection forms required for Uninsured and Underinsured coverage

WISCONSIN

  • Minimum Requirements:25/50/10
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person; $50,000 per accident
  • Rejection form required for Underinsured coverage

WYOMING

  • Minimum Requirements:25/50/25
  • Personal Injury Protection: Optional
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection form required for Uninsured coverage

Key Terms Explained

  • State minimum limits are the liability limits which cover the other party if you cause an accident. For example, if your state minimum required is 25/50/25, this would mean:
    • 25,000 for bodily injury per person,
    • 50,000 for bodily injury for all persons per each accident
    • 25,000 for property damage per accident. 
  • PIP/Personal injury protection. This is known as “no fault insurance.” This coverage helps you with expenses like lost wages, funeral costs, or medical bills. This coverage would pay out no matter who is at fault.
  •  MedPay/medical payments coverage. This helps pay for medical expenses up to a certain limit no matter whose fault the accident is. This coverage would also help pay for passengers’ injuries as well. 
  • UM/UIM/Uninsured motorist and Underinsured motorist Uninsured motorist insurance protects you if you are involved in an accident with someone who does not have current insurance in place. Underinsured motorist insurance covers you when you are involved in an accident with a driver who does not have adequate liability limits on their insurance policy to cover your damages. 

Last Updated on September 24, 2021 by Veronica Moss

Spread the love