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