| State / Territory | Minimum Required Liability | Other Required Coverages / Notes |
|---|---|---|
| Alabama | 25/50/25 | None |
| Alaska | 50/100/25 | None |
| Arizona | 25/50/15 | None |
| Arkansas | 25/50/25 | None |
| California | 30/60/15 | None |
| Colorado | 25/50/15 | None |
| Connecticut | 25/50/25 | UM/UIM 25/50 |
| Delaware | 25/50/10 | PIP 15/30 |
| Florida | PDL $10,000 | PIP $10,000 (Florida does not require BI liability for most drivers) |
| Georgia | 25/50/25 | None |
| Hawaii | 20/40/10 | PIP $10,000 |
| Idaho | 25/50/15 | None |
| Illinois | 25/50/20 | UM 25/50 |
| Indiana | 25/50/25 | None |
| Iowa | 20/40/15 | None |
| Kansas | 25/50/25 | PIP $4,500; UM/UIM 25/50 |
| Kentucky | 25/50/25 | PIP $10,000 |
| Louisiana | 15/30/25 | None |
| Maine | 50/100/25 | UM/UIM 50/100; MedPay $2,000 |
| Maryland | 30/60/15 | UM 30/60/15; PIP $2,500 |
| Massachusetts | 25/50/30 | PIP $8,000; UM 25/50 |
| Michigan | 50/100/10 | No-fault PIP (choice options; minimum depends on selection/eligibility) |
| Minnesota | 30/60/10 | PIP $40,000; UM/UIM 25/50 |
| Mississippi | 25/50/25 | None |
| Missouri | 25/50/25 | UM/UIM 25/50 |
| Montana | 25/50/20 | None |
| Nebraska | 25/50/25 | UM/UIM 25/50 |
| Nevada | 25/50/20 | None |
| New Hampshire | 25/50/25 | Insurance optional (financial responsibility law); UM 25/50; MedPay $1,000 |
| New Jersey | 35/70/25 | Standard policy minimums; UM/UIM 35/70; PIP $15,000 |
| New Mexico | 25/50/10 | None |
| New York | 25/50/10 | PIP $50,000; UM 25/50 |
| North Carolina | 50/100/50 | UM/UIM 50/100/50 |
| North Dakota | 25/50/25 | PIP $30,000; UM/UIM 25/50 |
| Ohio | 25/50/25 | None |
| Oklahoma | 25/50/25 | None |
| Oregon | 25/50/20 | PIP $15,000; UM/UIM 25/50 |
| Pennsylvania | 15/30/5 | PIP $5,000 |
| Puerto Rico | Up to $4,500 PD | Compulsory "Seguro Obligatorio" (SRO): up to $4,500 property damage per accident (third-party vehicles) |
| Rhode Island | 25/50/25 | None |
| South Carolina | 25/50/25 | UM 25/50/25 |
| South Dakota | 25/50/25 | UM/UIM 25/50 |
| Tennessee | 25/50/25 | None |
| Texas | 30/60/25 | None |
| US Virgin Islands | 10/20/10 | Passenger vehicles (common minimum); other vehicle types may have different limits |
| Utah | 30/65/25 | PIP $3,000 |
| Vermont | 25/50/10 | UM 50/100/10 |
| Virginia | 50/100/25 | UM/UIM required (minimum generally matches the state liability minimums) |
| Washington | 25/50/10 | None |
| Washington DC | 25/50/10 | UM 25/50/5 |
| West Virginia | 25/50/25 | UM 25/50/25 |
| Wisconsin | 25/50/10 | UM 25/50 |
| Wyoming | 25/50/20 | None |
Frequently Asked Questions
Clear answers to help you compare insurance options with confidence.
How can I use States?+
Start by reviewing the information on this page, then use the quote tool when you are ready to compare options. The information is designed to help you ask better questions before choosing coverage.
Is it free to compare insurance options here?+
Yes. You can explore the information and start a quote comparison without an obligation to buy. Any final policy decision and price are handled by the insurance provider you choose.
What information will I need for a quote?+
Usually you will need your ZIP code, basic vehicle and driver details, and an idea of the coverage you want. Keeping your current declarations page nearby can help you compare similar coverage levels.
Will my ZIP code determine my insurance price?+
Your ZIP code can be one factor because availability and local costs vary by area, but it is not the only factor. Vehicle details, driving history, selected coverage, deductibles, and insurer rules can also affect pricing.
How do I compare policies fairly?+
Compare the same liability limits, deductibles, drivers, vehicles, and optional coverages across each option. This helps you avoid choosing a lower price that offers materially less protection.
Can I change my coverage later?+
Many insurers allow coverage changes during the policy term, subject to their rules and state requirements. Contact the insurer before making a change so you understand the effective date and any price impact.
What should I look at besides the premium?+
Review coverage limits, deductibles, exclusions, available discounts, claims support, and optional protections such as roadside assistance or rental reimbursement. The lowest premium is not always the best fit.
How quickly can I see available options?+
The initial comparison generally takes only a few minutes once you provide the requested information. Availability and final details can vary by insurer, state, and the information entered.
Is my information used to create an insurance policy?+
The comparison process helps you explore available options. A policy is only issued after you choose an insurer and complete that insurer’s own application and verification process.
Where can I get help if I am unsure about coverage?+
Use this page as an educational starting point, then ask a licensed insurance professional or the insurer about your specific situation. They can explain policy terms, eligibility, and state-specific requirements.