State-by-State Car Insurance Requirements

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State minimum car insurance requirements vary from state to state, but all states have auto insurance coverage requirements that include proof of financial responsibility or some type of car insurance.

These minimum requirements for each state can be found at the state insurance commissioner’s website. Although you are in compliance if you are carrying the minimum amounts, you may be exposing yourself to major financial risk. Read why.

Do the minimum state insurance requirements offer enough protection?

Not necessarily. Minimum coverage does not extend to incidents involving uninsured drivers, leaving you responsible for out-of-pocket costs. In addition, if you are sued, you may be placing your personal assets at risk by not having enough insurance to cover a lawsuit judgment.

Here are the current state-by-state minimum car insurance requirements:

  • Alaska 50/100/25
  • Alabama 25/50/25
  • Arkansas 25/50/25
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/10
  • Florida 10/20/10
  • Georgia 25/50/25
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 15/30/25
  • Maine 50/100/25
  • Maryland 30/60/15
  • Massachusetts 20/40/5
  • Michigan 20/40/10
  • Minnesota 30/60/10
  • Mississippi 25/50/25
  • Missouri 25/50/10
  • Montana 25/50/10
  • Nebraska 25/50/25
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 25/50/25
  • Oregon 25/50/20
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 25/50/25
  • South Dakota 25/50/25
  • Tennessee 25/50/15
  • Texas 30/60/25
  • Utah 25/65/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 50/100/55
  • West Virginia 20/40/10
  • Wyoming 25/100/15

Your Freeway representative can help you choose the amount of coverage at the right price that is best for you. Call us today and ensure you are adequately protected.