Minimum car insurance requirements by state

Your state

Choose your state

Select your state to see how this applies where you live.

Your state

How to read the numbers

Many states describe minimum liability limits with three numbers, such as 30/60/25. They are dollar amounts in thousands: bodily injury per person, bodily injury per accident, and property damage per accident.

Some states also require other coverage, such as personal injury protection (PIP) or uninsured motorist coverage, so the three numbers are not always the whole requirement.

How the verified states compare

These summaries come from each state's own agency, and each name links to the full state guide. Limits change: North Carolina, California, Virginia, Massachusetts and Utah all raised their minimums in 2024 or 2025, and Hawaii followed in 2026, so check the linked source before you rely on a figure.

Alabama

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for all injuries or deaths in an accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Alaska

Fault-based claims

Bodily injury: $50,000 for one person / $100,000 per accident for bodily injury or death
Property damage: $25,000
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Arizona

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more people
Property damage: $15,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Optional. If you elect it, 25/50 is the minimum amount

Arkansas

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more people in any one accident
Property damage: $25,000 for injury to or destruction of property of others in any one accident
Injury protection: Not required. Insurers must offer medical payments, wage-loss and death benefits, which you can reject in writing
Uninsured motorist: Not required. Insurers must offer uninsured motorist coverage up to the liability limits you choose

California

Fault-based claims

Bodily injury: $30,000 per person / $60,000 per accident
Property damage: $15,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Colorado

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $15,000 per accident
Injury protection: Medical payments of $5,000 is included unless you reject it. It is not required
Uninsured motorist: Optional. Included in your policy unless you reject it in writing

Connecticut

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident (or a $50,000 single limit for bodily injury and property damage)
Injury protection: Not listed as required
Uninsured motorist: Uninsured/underinsured motorist: at least $25,000 per person / $50,000 per accident. Required by law

Delaware

Fault-based claims with required PIP

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $10,000 per accident
Injury protection: Personal injury protection (PIP): $15,000 for any one person and $30,000 for all persons injured in any one accident
Uninsured motorist: Not listed on the DMV page

District of Columbia

No-fault (Compulsory/No-Fault Motor Vehicle Insurance Act)

Bodily injury: Third-party liability: $25,000 per person / $50,000 per accident
Property damage: $10,000
Injury protection: Not listed on the DMV page
Uninsured motorist: Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident. Uninsured motorist property damage: $5,000, subject to a $200 deductible

Florida

No-fault

Bodily injury: Not required to register. After certain crashes or violations: $10,000 per person / $20,000 per crash
Property damage: $10,000 per crash
Injury protection: Personal injury protection (PIP): $10,000 required
Uninsured motorist: Not listed as required

Georgia

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per incident
Property damage: $25,000 per incident
Injury protection: Not listed as required
Uninsured motorist: Not listed as a required minimum

Hawaii

No-fault

Bodily injury: $40,000 per person / $80,000 per accident
Property damage: $20,000 per accident
Injury protection: Personal injury protection (PIP): at least $10,000 per person for your own medical and rehabilitation costs, regardless of fault
Uninsured motorist: Not covered in the Insurance Division FAQ we read

Idaho

Fault-based claims

Bodily injury: $25,000 for injury or death of one person / $50,000 for two or more persons in any one accident
Property damage: $15,000 for damage or destruction of property of others in any one accident
Injury protection: Not listed as required
Uninsured motorist: Included in every liability policy unless the named insured rejects it in writing (Idaho Code 41-2502)

Illinois

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $20,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Uninsured motorist bodily injury: $25,000 / $50,000 required

Indiana

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more people
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Included on newly written policies unless you reject it in writing: $25,000 / $50,000, with underinsured motorist at $50,000

Iowa

Fault-based claims

Bodily injury: $20,000 for one person / $40,000 for two or more people in any one accident
Property damage: $15,000 for injury to or destruction of property of others in any one accident
Injury protection: Not listed as required
Uninsured motorist: Included in every liability policy at limits at least equal to the liability minimums, unless the named insured rejects it in writing

Kansas

No-fault

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Personal injury protection (PIP): $4,500 per person for medical expenses and $4,500 for rehabilitation, plus $2,000 for funeral, burial or cremation and $25 per day in substitution benefits
Uninsured motorist: Uninsured/underinsured motorist: $25,000 per person / $50,000 per accident for bodily injury

Kentucky

Choice no-fault

Bodily injury: $25,000 per person / $50,000 per accident, or a single limit of $60,000 for all damages
Property damage: $25,000 per accident (or inside the $60,000 single limit)
Injury protection: Basic reparation benefits (no-fault): $10,000 maximum per person
Uninsured motorist: Not listed as required

Louisiana

Fault-based claims

Bodily injury: $15,000 for one person / $30,000 for more than one person in a single accident
Property damage: $25,000 for damage to someone else's vehicle or other property
Injury protection: Not listed as required
Uninsured motorist: Not required by law. Optional coverage

Maine

Fault-based claims

Bodily injury: $50,000 per person / $100,000 per accident, or a combined single limit of $125,000
Property damage: $25,000
Injury protection: Medical payments: at least $2,000 per person
Uninsured motorist: Uninsured/underinsured motorist: at least $50,000 per person / $100,000 per accident

Maryland

Fault-based claims

Bodily injury: $30,000 per person / $60,000 per accident
Property damage: $15,000 per accident
Injury protection: Personal injury protection (PIP): $2,500 per person, according to Maryland Auto Insurance
Uninsured motorist: Uninsured motorist limits of 30/60/15, according to Maryland Auto Insurance

Massachusetts

No-fault personal injury protection

Bodily injury: Bodily injury to others: $25,000 per person / $50,000 per accident
Property damage: Damage to someone else's property: $30,000 per accident
Injury protection: Personal injury protection (PIP): $8,000 per person
Uninsured motorist: Bodily injury caused by an uninsured auto: $25,000 per person / $50,000 per accident

Michigan

No-fault

Bodily injury: You choose. Lowest available: $50,000 per person / $100,000 per accident. Default if you make no choice: $250,000 / $500,000
Property damage: Property damage liability: $10,000 for property damage in another state. Property protection insurance (PPI) pays up to $1 million for damage your car does in Michigan to other people's property
Injury protection: PIP medical: you choose from six options, from $50,000 (eligible Medicaid enrollees) to unlimited, or no PIP medical for eligible Medicare enrollees. If you do not choose, you receive the default level and are charged for it
Uninsured motorist: Not listed among Michigan's three mandatory coverages

Minnesota

No-fault

Bodily injury: $30,000 for injuries to one person / $60,000 for injuries to two or more people
Property damage: $10,000
Injury protection: No-fault (personal injury protection, or basic economic loss benefits): $40,000 per person per accident
Uninsured motorist: Uninsured motorist $25,000 / $50,000 and underinsured motorist $25,000 / $50,000. Both required

Mississippi

Fault-based claims

Bodily injury: $25,000 per person (limited to a single accident) / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Not required. Medical payments coverage is optional
Uninsured motorist: Not required. Uninsured/underinsured motorist coverage is optional

Missouri

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident required

Montana

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more persons in any one accident
Property damage: $20,000 for injury to or destruction of property of others in any one accident
Injury protection: Not listed as required
Uninsured motorist: Included in every liability policy, at the limits in section 61-6-103, unless the named insured rejects it (Montana Code 33-23-201)

Nebraska

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Required. The Department of Insurance page lists uninsured/underinsured motorist limits of $25,000 per person and $25,000 per accident, while other sources list $25,000 / $50,000. Confirm the limits with the Department

Nevada

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $20,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Optional. Insurers must offer it at no less than the minimum liability limits (25/50 for bodily injury)

New Hampshire

Fault-based claims

Bodily injury: If you buy a policy, the minimum limits available are $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident, if you buy a policy
Injury protection: Not listed as required
Uninsured motorist: If you buy a policy, uninsured motorist coverage is required at limits equal to your liability coverage (RSA 264:15)

New Jersey

No-fault with a choice of lawsuit option

Bodily injury: Standard Policy: at least $35,000 per person / $70,000 per accident. Basic Policy: not included, with $10,000 per accident available as an option
Property damage: Standard Policy: at least $25,000 per accident. Basic Policy: $5,000 per accident
Injury protection: Personal injury protection (PIP): at least $15,000 per person or accident on the Standard Policy. The Basic Policy includes $15,000
Uninsured motorist: Standard Policy: a minimum amount of uninsured/underinsured motorist coverage is required. Basic Policy: none

New Mexico

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more persons
Property damage: $10,000 in any one accident
Injury protection: Not listed as required
Uninsured motorist: Included in every policy for vehicles registered or principally garaged in New Mexico, including underinsured coverage, unless the named insured rejects it in writing (NMSA 66-5-301)

New York

No-fault

Bodily injury: $25,000 per person / $50,000 per accident (death: $50,000 / $100,000)
Property damage: $10,000 per accident
Injury protection: Personal injury protection (no-fault): $50,000 required
Uninsured motorist: Required, same minimums: $25,000 / $50,000

North Carolina

Fault-based claims

Bodily injury: $50,000 per person / $100,000 per accident (policies issued or renewed on or after July 1, 2025)
Property damage: $50,000 per accident (policies issued or renewed on or after July 1, 2025)
Injury protection: Not listed as required
Uninsured motorist: Uninsured/underinsured motorist coverage required on all policies

North Dakota

No-fault

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Basic no-fault (personal injury protection): $30,000 per person
Uninsured motorist: Uninsured motorist: $25,000 per person / $50,000 per accident. Underinsured motorist must equal uninsured motorist

Ohio

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Oklahoma

Fault-based claims

Bodily injury: $25,000 per person / $50,000 for injuries to two or more people
Property damage: $25,000 for property damage
Injury protection: Not listed as required
Uninsured motorist: Not mandatory. Insurers must offer uninsured motorist coverage when you buy auto insurance

Oregon

Fault-based claims with required PIP

Bodily injury: $25,000 per person / $50,000 per crash for bodily injury to others
Property damage: $20,000 per crash for damage to others' property
Injury protection: Personal injury protection (PIP): $15,000 per person
Uninsured motorist: Uninsured motorist: $25,000 per person / $50,000 per crash for bodily injury. Required

Pennsylvania

Choice no-fault

Bodily injury: $15,000 per person / $30,000 per accident
Property damage: $5,000 per accident
Injury protection: First-party medical benefits: $5,000 required
Uninsured motorist: Not listed as required

Rhode Island

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident (or a $75,000 combined single limit with property damage)
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Insurers must offer uninsured/underinsured bodily injury limits equal to your bodily injury limits. You may buy less, but not below the statutory minimum and not zero (230-RICR-20-05-1)

South Carolina

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Required. The Department lists limits of $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage

South Dakota

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more persons in any one accident
Property damage: $25,000 for injury to or destruction of property of others in any one accident
Injury protection: Not listed as required
Uninsured motorist: Required on all policies, with limits equal to your bodily injury liability limits (SDCL 58-11-9). Underinsured coverage must equal your bodily injury limits (SDCL 58-11-9.4)

Tennessee

Fault-based claims

Bodily injury: $25,000 for each injury or death / $50,000 for total injuries or deaths per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Texas

Fault-based claims

Bodily injury: $30,000 per person / $60,000 per accident
Property damage: $25,000 per accident
Injury protection: Insurers must offer personal injury protection (PIP)
Uninsured motorist: Insurers must offer uninsured/underinsured motorist coverage

Utah

No-fault

Bodily injury: $30,000 per person / $65,000 per accident (policies issued or renewed on or after January 1, 2025)
Property damage: $25,000 per accident
Injury protection: Personal injury protection (PIP): not less than $3,000 per person for medical expenses
Uninsured motorist: Not covered in the statutes we reviewed. See Utah Code sections 31A-22-305 and 31A-22-305.3

Vermont

Fault-based claims

Bodily injury: $25,000 for one person / $50,000 for two or more persons killed or injured, in any one crash
Property damage: $10,000 for damages to property in any one crash
Injury protection: Not listed as required
Uninsured motorist: Required in every liability policy (23 V.S.A. 941), with limits of not less than $50,000 for one person and $100,000 for two or more persons in the statute text we read

Virginia

Fault-based claims

Bodily injury: $50,000 per person / $100,000 per accident
Property damage: $25,000 per accident
Injury protection: Not listed as required
Uninsured motorist: Required in every liability policy, at limits not less than the liability minimums. Limits equal your liability limits unless a named insured rejects the additional coverage

Washington

Fault-based claims

Bodily injury: $25,000 for injury or death to another person / $50,000 for all other people
Property damage: $10,000 for damage to another person's property
Injury protection: Personal injury protection (PIP) is optional coverage
Uninsured motorist: Not listed as required

West Virginia

Fault-based claims

Bodily injury: $25,000 per person / $50,000 per accident
Property damage: $25,000 per event
Injury protection: Not listed as required
Uninsured motorist: Uninsured motorist coverage is mandatory at the same 25/50/25 limits

Wisconsin

Fault-based claims

Bodily injury: $25,000 for injury or death of one person / $50,000 for two or more people
Property damage: $10,000 for property damage
Injury protection: Not listed as required. Insurers must offer medical payments, which you can decline. If you elect it, the minimum is $1,000
Uninsured motorist: Uninsured motorist: $25,000 per person / $50,000 per accident, for bodily injury only. Required

Wyoming

Fault-based claims

Bodily injury: $25,000 / $50,000 (per person / per accident)
Property damage: $20,000
Injury protection: Not listed as required
Uninsured motorist: Not listed as required

Fault-based, no-fault and choice no-fault

In a fault-based system, the driver who causes a crash is responsible for the other party's losses, and that driver's liability coverage pays. In a no-fault system, each driver's own policy pays certain medical costs first, regardless of who caused the crash.

Among the verified states, Texas, California, Illinois, Ohio, Georgia, North Carolina, Virginia, Washington, Arizona, Colorado, Maryland, Tennessee, Indiana, Missouri, Wisconsin, South Carolina, Alabama, Louisiana, Oklahoma, Connecticut, Nevada, Iowa, Arkansas, Mississippi, Nebraska, Idaho, Montana, Wyoming, West Virginia, New Mexico, Alaska, Maine, New Hampshire, Rhode Island, South Dakota, Vermont, Oregon and Delaware use fault-based claims, and Oregon and Delaware also require personal injury protection. Florida, New York, Michigan, Massachusetts, Minnesota, Utah, Kansas, North Dakota, Hawaii and the District of Columbia use no-fault personal injury protection systems. New Jersey, Pennsylvania and Kentucky are choice states where drivers select a lawsuit or tort option. Michigan's system is unusual: drivers choose a level of personal injury protection medical coverage.

Minimums are floors, not forecasts

A minimum is the lowest amount the law allows. It is not an estimate of what a crash could cost. If damage or injuries exceed your limits, you can be responsible for the difference, and lenders or lessors can require more than the state does.

How to confirm your own state

Open your state insurance department or motor vehicle agency page on auto insurance requirements.
Check when the page was last updated. Limits change; California raised its minimums in 2025.
Compare the numbers with the declarations page of your own policy.
If you are unsure, contact your state insurance department. The NAIC directory links to every one.

Questions

Can I buy only the legal minimum?

Yes, meeting the minimum is legal. Check any lender or lease requirements first, and think about how much you could pay out of pocket if a crash exceeds your limits.

My state is not one of the verified states. Where do I look?

Use the NAIC directory to reach your state's insurance department, then look for its auto insurance requirements or consumer guide. Your motor vehicle agency also publishes proof-of-insurance rules.

Do the minimums also apply if I rent or borrow a car?

That depends on the state and on the rental or policy terms. Ask the rental company and your insurer before you drive.

Sources

Informational only. Rules and policy terms change and differ by state and insurer. Confirm details with your policy, your insurer or your state insurance department.

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