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State-by-State Car Insurance Requirements

Illustration of a car in the road

State minimum insurance requirements are the car insurance requirements for each state, by law, for their residents. These minimum requirements for each state can be found at the state insurance commissioner’s website. Although keeping up with the state minimum requirements is all that is needed to keep one legal in their state for car insurance, only purchasing the state minimum insurance requirements is usually not the best choice.

Why Won’t the Minimum State Insurance Requirements Cover Me?

This is a good question. It seems funny that each state legislature would set a minimum insurance requirement and then your insurance agent tells you that the minimum is not enough. But it is true and sometimes the changes it takes to put into law what is the best coverage for car insurance is a lengthy process and is often behind the economic changes.

State-by-State Minimum 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