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Minimum Required Auto Insurance Coverage
State by State


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Check The Minimum
Auto Insurance Coverage
Required by Your State.




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Auto insurance requirements vary from state to state. Some states have no fault insurance laws while others do not. The figures given below are the minimum amount of insurance coverage that each auto must have to be legally operated on the roads of that state. The coverage is presented as three numbers separated by slashes such as 20/40/20. The first two numbers (20/40 in this example) refer to the amount of personal injury coverage per accident as 20,000 per person injured and 40,000 maximum per accident. That means that if three people were injured in an accident that was your fault and each had 20,000 in injuries, only the first two to file would be paid and the third party would probably file a lawsuit against you for their injury expenses.

The final figure refers to the total amount paid for property damage which in this example is 20,000. With the higher prices of automobiles today and the cost of medical care, you would be wise to increase coverage above the low "state required" coverage. Find your state below


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Minimum Auto Insurance Required in:
  • Alaska 50/100/25
  • Alabama 25/50/25
  • Arizona 15/30/10
  • Arkansas 25/50/25
  • 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 25/50/15
  • 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
  • Nevada 15/30/10
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 25/50/15
  • 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 25/50/10
  • Texas 30/60/25
  • Utah 25/65/15
  • Vermont 25/50/10
  • Virginia 25/50/20
  • Washington 25/50/10
  • West Virginia 20/40/10
  • Wisconsin 25/50/10
  • Wyoming 25/50/20










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