States That Raised Minimum Car Insurance Limits Since 2018

Key takeaways

New minimum limits usually apply to policies issued or renewed on or after the effective date.
Many websites keep showing old numbers. This page follows each state's official sources.
Check your declarations page, and ask your insurer when your policy renews.
Treat the minimum as a floor, not as enough protection.

Why minimum limits keep changing

Minimum limits are set by each state's law. When a state raises them, the new limits usually apply to policies issued or renewed on or after the effective date, so your declarations page may show the old limits until you renew.

Many websites keep showing old numbers. This page follows each state's official sources.

Increases described in our state summaries

Limits written like 30/60/25 mean $30,000 for injury to one person, $60,000 for injury to everyone in one accident, and $25,000 for property damage.

Raised its minimum limits (listed below)
No increase described in our sources

State	Took effect	Before	After
Hawaii car insurance requirements	January 1, 2026	20/40/10	40/80/20
Massachusetts car insurance requirements	July 1, 2025	20/40/5	25/50/30
North Carolina car insurance requirements	July 1, 2025	30/60/25	50/100/50
California car insurance requirements	January 1, 2025	15/30/5	30/60/15
Utah car insurance requirements	January 1, 2025	25/65/15	30/65/25
Virginia car insurance requirements	January 1, 2025	30/60/20	50/100/25
Arizona car insurance requirements	July 1, 2020	15/30/10	25/50/15
Nevada car insurance requirements	July 1, 2018	15/30/10	25/50/20

What this list does not cover

This table shows the increases our verified state summaries describe. Other states may have changed their limits too, so check your own state's car insurance page, which links to its official sources.

General information only. It is not insurance, legal or financial advice. Rules differ by state and change over time, so confirm details with your state insurance department, your insurer and your policy.

What to do about it

Check your declarations page for your current limits.
Ask your insurer when your policy renews and whether your limits will change.
Treat the minimum as a floor. Several state agencies note that the legal minimum can be too low to cover a serious accident.

Common mistakes

Assuming your declarations page already shows the new limits.
Relying on an old website for your state's minimum.
Treating the new minimum as enough protection.

Questions

Do I have to buy more coverage when my state raises the minimum?

In general, new minimums apply when your policy is issued or renewed after the effective date, and your insurer tells you about the change. Ask your insurer when it applies to your policy.

How do I read limits like 30/60/25?

The three numbers are, in thousands of dollars, the bodily injury limit per person, the bodily injury limit per accident and the property damage limit.

Where do I find my state's current limits?

On your state's car insurance page on this site, or directly from your state's insurance department or motor vehicle agency, which are linked there.

Sources

California DMV: Auto insurance requirementsdmv.ca.gov
NCDMV: Liability insurance requirementsncdot.gov
Virginia DMV: Insurance requirementsdmv.virginia.gov
Massachusetts Division of Insurance: New motor vehicle mandatory coverage limits (bulletin)mass.gov
Utah Legislature: HB 113 (2023), Motor vehicle liability policy amendments (enrolled)le.utah.gov
Hawaii Insurance Division: Auto insurance minimum limits FAQ (PDF, January 2026)cca.hawaii.gov
ADOT MVD: Insurance information and requirementsazdot.gov
Nevada Division of Insurance: Higher minimum vehicle liability requirementsdoi.nv.gov

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.