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Auto Insurance State Minimum Requirements

Each state has specific insurance requirements that must be met. Depending on which state you live in, you must meet certain insurance standards to operate a vehicle, and if you are found in violation of these requirements you may be subject to certain fines.

Listed below are each state’s minimum requirements for auto insurance. The first number refers to the bodily injury requirement per person. The second number refers to bodily injury liability coverage per accident. The third number refers to property damage liability.

For example, in Alaska the insurance requirements would be $50,000 bodily injury liability coverage per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability.

  • Alaska 50/100/25
  • Alabama 20/40/10
  • Arkansas 25/50/15
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/5
  • Florida 10/20/10
  • Georgia 15/30/10
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 10/20/10
  • Maine 50/100/25
  • Maryland 20/40/10
  • 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
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 10/20/10
  • Oregon 25/50/10
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 15/30/10
  • South Dakota 25/50/25
  • Tennessee 25/50/10
  • Texas 20/40/15
  • Utah 25/50/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 25/50/10
  • West Virginia 20/40/10
  • Wyoming 25/50/20

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