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Car Insurance Information by State

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Car Insurance Information by State

Find car insurance coverages and discounts in your state to get a policy that meets your unique needs and budget.

Arkansas Car Insurance

Looking for a hike in some gorgeous mountains? How about gazing out over fertile plains? Want to check out the wild diversity in a southern delta? Then coming to Arkansas would be a good bet for you because this state, nicknamed The Natural State, has a vast array of scenarios to visit. But just like all the other states, Arkansas is strict about having the right car insurance in place before you travel the roads. Find out more here.

Alabama Car Insurance

Like most states, carrying adequate car insurance is a legal requirement in Alabama. Alabama follows a tort system and is a “fault” state which means that someone will always be at fault for causing the accident. State law requires mandatory liability insurance, and if a driver is caught without it, there are harsh consequences. Learn more about the penalties of driving in Alabama without a license and other Alabama car insurance facts.

Arizona Car Insurance

Arizona motorists face unique challenges that drivers in other parts of the country seldom experience, including raging flash floods that race across the desert floor and quick-moving dust storms that completely obscure visibility. What Arizona does share with every other state, is having the legal responsibility to have required car insurance coverage. Get the details about Arizona car insurance coverage.

California Car Insurance

California imposes stiff penalties for a lapse in auto insurance coverage. The court may impound your car and hold it until you are able to show proof of insurance coverage. If you are pulled over without proof of car insurance or any other form of financial responsibility, you may face fines. Learn more about penalties for driving without car insurance in California and other car insurance California facts.

Colorado Car Insurance

The Centennial State is known for its breathtaking scenery, skiing, and the invention of the cheeseburger. If you live in this beautiful state, you are required to have liability car insurance and the state mandates that car insurance providers offer uninsured/underinsured motorist coverage. Learn more about the car insurance requirements in Colorado.

Florida Car Insurance

Since 2008, Florida has had a no-fault auto insurance system that protects motorists from being sued after an accident (in most cases). With this law came the requirement that Florida drivers hold a minimum of $10,000 worth of personal injury protection coverage. Read more state-specific details about car insurance in Florida.

Georgia Car Insurance

All drivers are required to have car insurance in Georgia. Using a real-time database monitored by the state, insurance companies are quick to know who has car insurance and who doesn’t. Many factors help determine how much auto insurance drivers pay, including but not limited to age, gender, claims history, and zip code of residence.

Idaho Car Insurance

The Gem State requires drivers to carry a minimum amount of liability car insurance. Idaho also has a tort system, meaning that the person who is found to be at fault must pay for medical expenses and in some cases, compensation for lost wages. Not having car insurance can result in fines, license suspension, and even jail time. Read on to learn more about car insurance in Idaho.

Illinois Car Insurance

With a population of almost three million, Chicago’s streets are packed with large volumes of traffic. Compare that to the scenic countryside where you need to be on the lookout for farm animals suddenly in the middle of the road. Wherever you travel through the Land of Lincoln, it’s a good idea to be prepared for the unexpected by having proper car insurance coverage. Here are some facts about Illinois car insurance.

Indiana Car Insurance

Indiana requires that all drivers maintain financial responsibility. In Indiana, this is usually established with car insurance or a few other options that the state offers. Indiana uses a tort system, and that means that someone must be found at fault for causing the car accident. Driving without car insurance in Indiana has severe consequences, including license suspension. Learn more about Indiana car insurance.

Kansas Car Insurance

Kansas requires all residents to maintain car insurance with liability and uninsured motorist coverage. Kansas is also a no-fault state, and this means that each driver’s insurance will pay for medical bills and other costs regardless of who was at fault. Get more information on Kansas auto insurance.

Kentucky Car Insurance

If you like horse racing, fried chicken, bourbon and exploring giant caves, then Kentucky might be the place to go. With the Kentucky Derby, bourbon from Bourbon, KY, Colonel Sanders getting his start in Corbin, Ky and Mammoth Cave, there’s no shortage of historical and fun things to do. Also, Bowling Green is the birthplace of all little red Corvettes and you’ll need car insurance to drive those – and any other vehicle – anywhere in the state. Find out more here.

Louisiana Car Insurance

The Bayou State is known for its Mardi Gras festival, jazz music, and Creole cuisine. If you are driving through the state to enjoy all that it has to offer, you are required to carry liability insurance and uninsured/underinsured motorist coverage. Louisiana is also a tort state, so the person found to be at fault will be responsible for the damages. Read more about Louisiana auto insurance.

Maryland Car Insurance

Maryland carries the nickname of “America in Miniature” since residents and visitors alike can get a small sampling in this one little state of a lot of what the whole country has to offer, including hills, pine groves, dunes and marshlands, lakes, rivers and an ocean! Famous for its Chesapeake Bay and awesome seafood, don’t forget to pack your car insurance when you drive on Maryland roads. Learn more about Maryland car insurance rules here.

Massachusetts Car Insurance

Massachusetts was the first state to require car insurance in 1925. Massachusetts laws mandate that drivers carry minimum liability coverage limits of 20/40/5. They must also have matching amounts of uninsured/underinsured coverage, and personal injury protection (PIP) limits of $8,000. Read on to learn more about getting Massachusetts car insurance.

Michigan Car Insurance

If you are heading to Michigan, be ready for some water sports and be sure to bring your chewing gum. That’s because Michigan is nicknamed the Great Lakes State and is home to the world-famous chewing gum wall where residents and tourists alike have left sticky pieces of their saliva for posterity. Get ready to hand over some serious bucks since Michigan has some of the most expensive car insurance requirements in the nation. Learn more about Michigan car insurance here.


Mississippi Car Insurance

Besides being known as the Catfish Capitol of the World, Mississippi can claim some major breakthroughs in medicine, being the place for the first human lung transplant, the first heart transplant, and first kidney transplant. People in Mississippi are caring – despite having the lowest per capita income in the U.S., Mississippians ranked 2nd in charitable giving. But don’t expect charity if you are caught driving without insurance in Mississippi. Find out more about car insurance in Mississippi here.

Missouri Car Insurance

If you live in the “Show Me” state, you need to be prepared to show proof of car insurance if you ever need to. State law requires that all drivers carry liability insurance. The law also requires uninsured motorist coverage. Residents have to show proof of insurance with renewing vehicle plates and when registering a vehicle. Here is more information about Missouri car insurance.

Nebraska Car Insurance

Longing for wide-open spaces, waving fields of grain, an abundance of rivers and some desert thrown in for good measure? Nebraska might just be the place for you. Besides having a huge amount of forest, this large state offers a trip back into the early days of the settlers. But unlike those hardy souls who got around in covered wagons, you’ll need a car to get from place to place – and car insurance, too. Find out more.

Nevada Car Insurance

Nevada is known for its 24/7 lifestyle and the world-famous Las Vegas strip. Every driver in Nevada must have an insurance policy that meets the following minimum requirements, whether the vehicle is used or not. Continue reading about minimum requirements for Nevada car insurance.

New Jersey Car Insurance

The Garden State requires drivers to have liability insurance that must be at least 15/30/5. New Jersey has strict penalties for those who drive without insurance, including unpaid community service and insurance points. Learn more about New Jersey car insurance requirements.

New Mexico Car Insurance

New Mexico requires auto liability insurance. Drivers must provide proof of this insurance before registering a vehicle. New Mexico is a Tort state meaning that the driver at fault has to pay for the victim’s medical expenses. Learn more about New Mexico car insurance.

New York Car Insurance

Liability coverage in New York is a requirement. If your car is registered with the NY DMV (Department of Motor Vehicles), then your insurance must meet the New York liability coverage minimums. Learn more about car insurance New York requirements.

North Carolina Car Insurance

North Carolina offers residents and visitors some of the most breathtaking scenery around. Don’t forget to check out the Great Smoky Mountains National Park and don’t forget to make sure you have at least the state-required minimum amount of car insurance. Learn more about North Carolina’s car insurance requirements.


Ohio Car Insurance

With many miles of farmland in addition to several large cities like Columbus, Cleveland, Cincinnati and Toledo, you’ll need a car if you want to explore this Midwestern gem. The Wright Brothers built their new-fangled flying machine in Dayton, Ohio in 1905 and Thomas Edison, the great inventor, was born in Ohio. Affordable car insurance is not a new invention in Ohio and you’ll need it if you don’t want to use a flying machine to get around. Check here to find out more interesting facts about Ohio and the state requirements for car insurance.

Oklahoma Car Insurance

They say Oklahoma is OK, but there’s much more to the state than that. Did you know you can dig for crystals at the Great Salt Plains Park in Oklahoma? Visitors can take home up to 10 pounds of rare crystals with them after a day of digging! There are also attractions like a creepy museum for skulls and don’t miss the Blue Whale in Catoosa. But if you want to drive on historic Route 66 in Oklahoma, you’ll definitely need car insurance. Find out more about the Sooner state here.


Oregon Car Insurance

Oregon is the only state that has an official state nut, the hazelnut. But it is not the only state that requires drivers to have car insurance. Like most states, Oregon mandates car liability insurance and uninsured motorist coverage. Oregon has been described as a “hybrid” no-fault state. Oregon requires personal injury protection coverage like no-fault states, but drivers involved in car accidents also have the option of suing the other party without restrictions. Discover more about Oregon car insurance.

Pennsylvania Car Insurance

One of the 13 original colonies, Pennsylvania is home to Independence Hall where the nation’s most revered documents, the U.S. Declaration of Independence and the U.S. Constitution, were drafted. Another significant historical site in this old state is the Liberty Bell, rang at the first reading of the Declaration of Independence. Did you know the first Internet emoticon, the smiley, was invented at Carnegie Mellon University in Pittsburgh? But if you drive in Pennsylvania without car insurance, you won’t get a smiley face from the police. Find out more about affordable car insurance and Pennsylvania’s driving laws here.

South Carolina Car Insurance

South Carolina law requires that you purchase liability insurance for bodily injury, liability insurance for property damage, and uninsured motorist coverage. Residents of the Palmetto State have to show proof of insurance before they register or renew any vehicle in South Carolina. Read on to learn more about South Carolina car insurance.

Tennessee Car Insurance

When you come to Tennessee, don’t forget to bring your guitar. Along with the Grand Ole Opry in Nashville, Graceland in Memphis and plenty of outdoor beauty in the Great Smoky Mountains, people come from around the world to experience the unique southern charm of Tennessee. Tennessee requires all drivers to have a minimum amount of car insurance. Read on to learn more about the auto insurance laws in Tennessee.

Texas Car Insurance

Everything’s bigger in Texas – including the severe weather awareness events that occur throughout the year. Whether you’re heading to visit The Alamo in San Antonio or the beach at Corpus Christi, you should stay informed of sudden weather extremes when planning travel on Texas highways. Find out how to prepare for severe weather conditions with proper Texas car insurance coverage.

Utah Car Insurance

When you are driving around the amazing scenery of Utah, make sure you have car insurance. Utah is a no-fault state and, as with every other state, it is required for all drivers to be covered by a state-required minimum. Utah has stiff penalties for those who flaunt these laws. Find out more about Utah car insurance.


Vermont Car Insurance

If you love maple syrup and a certain ice cream, but hate billboards, then you’ll want to go to Vermont. Vermont is the largest producer of maple syrup (it takes 40 gallons of sap to make one gallon of syrup) and birthplace of Ben & Jerry’s (a $5 correspondence course in ice cream making got that going). Far-thinking legislators decided billboards spoil the natural beauty of the “Green Mountain State” so you won’t see any along the roads, but you will need to have car insurance to drive. Check it out here.

Virginia Car Insurance

For those who would like to sail away, Virginia might be the place to go since it has the largest naval base in the world at Naval Station Norfolk. Besides producing the most U.S. presidents of any state – earning Virginia the nickname Birthplace of Presidents – the state is the physical home to the Pentagon. Car insurance in Virginia is among the lowest in the nation and even though many people say Virginia is for lovers, you won’t get any love if you don’t fork out for car insurance. So, go here to find out what you need to know about car insurance in Virginia.


Washington Car Insurance

To legally drive in the Evergreen State, drivers need to have liability insurance. In Washington, the person who is responsible for the car accident must cover the cost of the damages through their insurance company. If they both were equally responsible, they would have to split the costs 50/50. Learn more about Washington state car insurance requirements.

Wisconsin Car Insurance

Wisconsin is a leading producer of ginseng in the United States, so it’s no wonder that the state requires drivers to have liability insurance. Wisconsin requires liability insurance and uninsured/underinsured motorist coverage. Read on to learn more about Wisconsin auto insurance requirements.

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