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State Minimum Car Insurance

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Curious about the minimum car insurance coverage required in your state? Minimum car insurance requirements vary between different states, with each state requiring different levels of mandatory insurance coverage for bodily injury and property damage protection. You should keep in mind that these figures are only minimums; you may need to buy more car insurance coverage depending on your specific needs and financial situation. However, the amount of car insurance you buy will affect the premiums you pay, so over-insuring may be just as bad as under-insuring yourself and family. Our guide will review the basic car insurance by state to help you find the cheapest rates available.

Basic Car Insurance Requirements By State

State minimum car insurance is comprised of 3 coverage limits – bodily injury per person, bodily injury per accident, and property damage. Find your state’s required auto insurance limits below before comparing quotes, coverage and companies, and then learn more about car insurance rates by state to see if you’re paying more or less than the average.

State
Bodily Injury (Person)
Bodily Injury (Accident)
Property Damage
Alabama
$25,000
$50,000
$25,000
Alaska
$50,000
$100,000
$25,000
Arizona
$15,000
$30,000
$10,000
Arkansas
$25,000
$50,000
$25,000
California
$15,000
$30,000
$5,000
Colorado
$25,000
$50,000
$15,000
Connecticut
$20,000
$40,000
$10,000
Delaware
$15,000
$30,000
$10,000
District of Columbia
$25,000
$50,000
$10,000
Florida
$10,000
$20,000
$10,000
Georgia
$25,000
$50,000
$25,000
Hawaii
$20,000
$40,000
$10,000
Idaho
$25,000
$50,000
$15,000
Illinois
$20,000
$40,000
$15,000
Indiana
$25,000
$50,000
$10,000
Iowa
$20,000
$40,000
$15,000
Kansas
$25,000
$50,000
$10,000
Kentucky
$25,000
$50,000
$10,000
Louisiana
$15,000
$30,000
$10,000
Maine
$15,000
$30,000
$10,000
Maryland
$30,000
$60,000
$15,000
Massachusetts
$30,000
$60,000
$15,000
Michigan
$20,000
$40,000
$10,000
Minnesota
$20,000
$40,000
$10,000
Mississippi
$25,000
$50,000
$25,000
Missouri
$25,000
$50,000
$10,000
Montana
$25,000
$50,000
$10,000
Nebraska
$25,000
$50,000
$25,000
Nevada
$15,000
$30,000
$10,000
New Hampshire
$25,000
$50,000
$25,000
New Jersey
$15,000
$30,000
$5,000
New Mexico
$25,000
$50,000
$10,000
New York
$25,000
$50,000
$10,000
North Carolina
$30,000
$60,000
$25,000
North Dakota
$25,000
$50,000
$25,000
Ohio
$12,500
$25,000
$7,500
Oklahoma
$25,000
$50,000
$25,000
Oregon
$25,000
$50,000
$20,000
Pennsylvania
$15,000
$30,000
$5,000
Rhode Island
$25,000
$50,000
$25,000
South Carolina
$25,000
$50,000
$25,000
South Dakota
$25,000
$50,000
$25,000
Tennessee
$25,000
$50,000
$15,000
Texas
$30,000
$60,000
$25,000
Utah
$25,000
$65,000
$15,000
Vermont
$25,000
$50,000
$10,000
Virginia
$25,000
$50,000
$20,000
Washington
$25,000
$50,000
$10,000
West Virginia
$20,000
$40,000
$10,000
Wisconsin
$25,000
$50,000
$10,000
Wyoming
$25,000
$50,000
$20,000
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