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Car Insurance Information by State

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Find car insurance coverages and discounts in your state to get a policy that meets your unique needs and budget. Get state-by-state information on affordable auto insurance coverage and benefits from Freeway Insurance.

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 which 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.