State-by-State Insurance Laws and Quotes

Auto insurance regulations vary greatly from state to state. Depending on where you live, you may be required to purchase different types and levels of coverage

Start by comparing quotes from companies in your state:

Insurance regulations in your state:

The following table lists the minimum requirements in all 50 states and D.C.

Click your state's name, for an in-depth look at local auto insurance rules and regulations, and to get free instant quotes from a provider in your area.

State	Required coverage types	Minimum liability limits (in thousands)	No fault?
Alabama	bodily injury and property damage liability	20/40/10	no
Alaska	bodily injury and property damage liability	50/100/25	no
Arizona	bodily injury and property damage liability	15/30/10	no
Arkansas	bodily injury and property damage liability	25/50/25	no
California	bodily injury and property damage liability	15/30/5	no
Colorado	bodily injury and property damage liability	25/50/15	no
Connecticut	bodily injury and property damage liability, uninsured and underinsured motorist	20/40/10	no
Delaware	bodily injury and property damage liability, personal injury protection	15/30/10	no
DC	bodily injury and property damage liability, uninsured motorist	25/50/10	yes
Florida	property damage liability, personal injury protection	10/20/10	yes
Georgia	bodily injury and property damage liability	25/50/25	no
Hawaii	bodily injury and property damage liability, personal injury protection	20/40/10	yes
Idaho	bodily injury and property damage liability	25/50/15	no
Illinois	bodily injury and property damage liability, uninsured motorist	20/40/15	no
Indiana	bodily injury and property damage liability	25/50/10	no
Iowa	bodily injury and property damage liability	20/40/15	no
Kansas	bodily injury and property damage liability, personal injury protection, uninsured motorist	25/50/10	yes
Kentucky	bodily injury and property damage liability, personal injury protection	25/50/10	yes
Louisiana	bodily injury and property damage liability	10/20/10	no
Maine	bodily injury and property damage liability, uninsured and underinsured motorist	50/100/25	no
Maryland	bodily injury and property damage liability, uninsured motorist	20/40/15	no
Massachusetts	bodily injury and property damage liability, personal injury protection, uninsured motorist	20/40/5	yes
Michigan	bodily injury and property damage liability, personal injury protection	20/40/10	yes
Minnesota	bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist	30/60/10	yes
Mississippi	bodily injury and property damage liability	25/50/25	no
Missouri	bodily injury and property damage liability, uninsured motorist	25/50/10	no
Montana	bodily injury and property damage liability	25/50/10	no
Nebraska	bodily injury and property damage liability	25/50/25	no
Nevada	bodily injury and property damage liability	15/30/10	no
New Hampshire	proof of financial responsibility, uninsured motorist	25/50/25	no
New Jersey	bodily injury and property damage liability, personal injury protection, uninsured motorist	15/30/5	yes
New Mexico	bodily injury and property damage liability	25/50/10	no
New York	bodily injury and property damage liability, uninsured motorist, personal injury protection	25/50/10	yes
North Carolina	bodily injury and property damage liability	30/60/25	no
North Dakota	bodily injury and property damage liability, personal injury protection, uninsured motorist	25/50/25	yes
Ohio	bodily injury and property damage liability	12.5/25/7.5	no
Oklahoma	bodily injury and property damage liability	25/50/25	no
Oregon	bodily injury and property damage liability, personal injury protection, uninsured motorist	25/50/10	no
Pennsylvania	bodily injury and property damage liability, medical payments	15/30/5	yes
Rhode Island	bodily injury and property damage liability	25/50/25	no
South Carolina	bodily injury and property damage liability, uninsured motorist	15/30/10	no
South Dakota	bodily injury and property damage liability, uninsured motorist	25/50/25	no
Tennessee	proof of financial responsibility	25/50/10	no
Texas	bodily injury and property damage liability	20/40/15	no
Utah	bodily injury and property damage liability, personal injury protection	25/50/15	yes
Vermont	bodily injury and property damage liability, uninsured and underinsured motorist	25/50/10	no
Virginia	bodily injury and property damage liability, uninsured and underinsured motorist	25/50/20	no
Washington	bodily injury and property damage liability	25/50/10	no
West Virginia	bodily injury and property damage liability, uninsured motorist	20/40/10	no
Wisconsin	proof of financial responsibility, uninsured motorist	25/50/10	no
Wyoming	bodily injury and property damage liability	25/50/20	no

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