2024 State-by-State Car Insurance Requirements
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Why Do You Need Car Insurance?
Most states require drivers to carry minimum liability auto insurance, also known as the “30/60/25” plan, which ensures financial responsibility in an accident.
It helps avoid unforeseen damage expenses as your insurance plan covers your vehicle’s repair and replacement costs in case of an accident and other events.
Liability insurance shields you from legal and financial ramifications if you cause an accident, as it covers the affected party's medical expenses and property damage.
If you are injured in an accident, car insurance can help pay for your medical bills and those of your passengers, whether you are at fault or not.
Car insurance provides peace of mind by protecting your finances from unforeseen financial losses, such as collision and non-collision-related vehicle damage.
What Are The Car Insurance Requirements By State?
STATE
Minimum Required Bodily Injury (Per Person)
Minimum Required Bodily Injury (Per Accident)
Minimum Required Property Damage (Per Accident)
Alabama
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Alaska
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$25,000 property damage liability per accident
Arizona
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Arkansas
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
California
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
Colorado
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Connecticut
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Delaware
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Florida
$10,000 personal injury protection
$10,000 personal injury protection
$10,000 property damage liability per accident
Georgia
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Hawaii
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$10,000 property damage liability per accident
Idaho
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Illinois
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Indiana
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Iowa
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$15,000 property damage liability per accident
Kansas
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Kentucky
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Louisiana
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$25,000 property damage liability per accident
Maine
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$25,000 property damage liability per accident
Maryland
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$15,000 property damage liability per accident
Massachusetts
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$5,000 property damage liability per accident
Michigan
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$10,000 property damage liability per accident (outside MI)
Minnesota
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$10,000 property damage liability per accident
Mississippi
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Missouri
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Montana
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Nebraska
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Nevada
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
New Hampshire
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
New Jersey
$15,000 personal injury protection
$15,000 personal injury protection
$5,000 property damage liability per accident
New Mexico
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
New York
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
North Carolina
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident
North Dakota
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Ohio
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Oklahoma
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Oregon
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Pennsylvania
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
Rhode Island
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
South Carolina
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
South Dakota
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Tennessee
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Texas
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident
Utah
$25,000 bodily injury liability per person
$65,000 bodily injury liability per accident
$15,000 property damage liability per accident
Vermont
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Virginia
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$20,000 property damage liability per accident
Washington
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Washington, D.C.
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
West Virginia
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Wisconsin
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Wyoming
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
What Are the Minimum Requirements for Car Insurance by State?
Bodily Injury Liability Coverage
Nearly all states mandate liability coverage minimums like 15/30/10, translating to $15,000 bodily injury per person and $30,000 per accident. Texas, however, follows the 30/60/25 rule.
Property Damage Liability Coverage
It is a mandatory liability coverage requirement except in the state of Virginia. Most states require a $10,000 minimum limit for property damage, while Texas mandates $25,000.
Uninsured Motorist Coverage
In half of the states, your uninsured motorist coverage should match your liability coverage so that your damages are covered in case you are in an accident with an uninsured driver.
Underinsured Motorist Coverage
Mainly required alongside uninsured motorist coverage, UIM Coverage mirrors your liability coverage and helps pay the damage costs if the at-fault driver has inadequate insurance.
Comprehensive Coverage
Comprehensive coverage protects the policyholder against various non-collision incidents, such as theft, vandalism, natural disasters, etc. The State doesn't mandate this coverage.
Collision Coverage
While not usually mandated by states, lenders may require you to carry collision coverage for your car loan, as it covers your vehicle damage expenses, regardless of who is at fault.
Medical Payments Coverage (MedPay)
Medical Payments Coverage is optional in most states. Still, it is highly recommended because it covers the medical expenses for you and your passengers after an accident.
Personal Injury Protection (PIP)
PIP coverage is required in around 20% of US states. It covers the policyholder's and other passengers' medical bills plus their lost wages. It is mostly common in no-fault states.
Which US States Require Car Insurance?
Nearly all US states legally require drivers to purchase auto insurance. The regulations concerning the coverage types and minimum coverage requirements may vary by state. For example, you must have property damage liability and PIP coverage in Florida. However, almost all other states mandate liability coverage for property damage and bodily injury.
Which States Don’t Require Car Insurance?
The only states that dont require car insurance are New Hampshire and Virginia. Drivers who do not want to purchase car insurance in New Hampshire must still prove they are financially responsible enough to fulfill the state’s "Financial Responsibility Requirements (FRR)." This ensures that you can afford to cover the damage costs of the other party in case of an accident. In Virginia, drivers can choose not to fulfill the state's insurance requirements if they can pay an annual $500 uninsured motorist fee - however, this isn’t a standalone coverage.
Get A Free Auto Insurance Quote
If you are tired of finding reliable auto insurance providers in Texas, you are at the right place. At CINCO Auto Insurance, our agents guide you every step of the way. We help you find a reputable provider and choose an auto insurance plan that complements your needs and budget. We value the preferences of our customers above anything else, which is why our agents work closely with you to avoid potential coverage gaps. Grab your first free quote at CINCO now! It doesn’t require much effort; just fill out a simple application on our website, and we will get back to you!
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
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Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.
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John
Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.
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