To help you understand the auto insurance requirements and laws in your state, we have compiled basic information for all states and links to the local authorities where you can find further details. The first bit of information represents the liability car insurance limits. For example for Alaska it is 50/100/20. The bodily injury liability limits for a single person and for all people in one accident are indicated by the first 2 numbers. In this case $50,000 per person and $100,00 per accident. The third number signifies the property damage liability limit which in Alaska is $20,000.
Bare in mind that some states are No Fault and may required Personal Injury Protection (PIP). For a number of states it is mandatory to purchase uninsured motorist coverage.
- 25/50/25
- www.aldoi.gov
- (205) 269-3550
- 50/100/25
- www.dced.state.ak.us/insurance
- (907) 465-2515
- 15/30/10
- www.id.state.az.us
- (602) 255-5400
- 25/50/25
- PIP insurance is required
- insurance.arkansas.gov
- (501) 686-2900
- 15/30/5
- www.insurance.ca.gov
- (800) 927-4357
- 25/50/15
- www.colorado.gov
- (303) 894-7499
- 20/40/10
- Uninsured coverage is required
- www.ct.gov
- (203) 297-3800
- 15/30/10
- PIP insurance is required
- www.delawareinsurance.gov
- (800) 282-8611
- 10/20/10
- PIP insurance is required
- Florida is a No-Fault state
- www.floir.com
- (800) 342-2762
- Florida cities
- 25/50/25
- www.inscomm.state.ga.us
- (404) 656-2056
- 20/40/10
- PIP insurance is mandatory
- Hawaii is also a No-Fault state
- hawaii.gov/dcca/ins
- (808) 586-2790
- 25/50/15
- www.doi.idaho.gov
- (208) 334-2250
- 20/40/15
- Uninsured motorist coverage is required
- insurance.illinois.gov
- (217) 782-4515
- 25/50/10
- www.in.gov/idoi
- (800) 622-4461
- 20/40/15
- www.iid.state.ia.us
- (515) 281-5705
Kansas
- 25/50/10
- PIP insurance is obligatory
- Uninsured coverage is required too
- Kansas is a No Fault state
- www.ksinsurance.org
- (800) 432-2484
Kentucky
- 25/50/10
- Require PIP Insurance
- Kentucky is a No Fault state as well
- insurance.ky.gov
- (502) 564-3630
- 15/30/25
- www.ldi.state.la.us
- (504) 342-5900
Maine
- 50/100/25
- Require uninsured motorist coverage
- www.state.me.us/pfr/insurance
- (207) 582-8707
Maryland
- 30/60/15
- PIP insurance is required
- Uninsured motorist coverage also required
- www.mdinsurance.state.md.us/sa/jsp/Mia.jsp
- (800) 492-6116
Massachusetts
- 20/40/5
- PIP insurance is mandatory
- Massachusetts is a No Fault state
- Also require uninsured motorist coverage
- www.mass.gov
- (617) 727-3357
Michigan
- 20/40/10
- PIP insurance is obligatory
- Michigan is also a No Fault state
- www.michigan.gov
- (517) 373-9273
Minnesota
- 30/60/10
- Require PIP insurance
- Minnesota is a No-Fault state
- Uninsured motorist coverage is also obligatory
- www.state.mn.us
- (800) 652-9747
Mississippi
- 25/50/25
- www.mid.state.ms.us
- (601) 359-3569
Missouri
- 25/50/10
- Uninsured motorist coverage is required
- insurance.mo.gov
- (314) 751-4126
Montana
- 25/50/10
- www.doj.mt.gov/driving
- (800) 332-6148
Nebraska
- 25/50/25
- www.doi.ne.gov
- (402) 471-2201
- 15/30/10
- doi.state.nv.us
- (800) 992-0900
New Hampshire
- Proof of financial responsibility (FR only)
- Uninsured coverage is required
- www.nh.gov/insurance
- (800) 852-3416
- 15/30/5
- PIP insurance is mandatory
- New Jersey is a No-Fault state
- Uninsured motorist coverage is also mandatory
- www.state.nj.us
- (609) 292-5363
New Mexico
- 25/50/10
- www.nmprc.state.nm.us
- (505) 827-4500
- 25/50/10
- PIP insurance is required
- New York is also a No Fault state
- Require uninsured motorist coverage
- www.ins.state.ny.us
- 1-800-342-3736
- 30/60/25
- Uninsured motorist coverage is required
- www.doi.state.nc.us
- (800) 662-7777
North Dakota
- 25/50/25
- Require PIP coverage
- North Dakota is a No-Fault state
- Also require uninsured motorist coverage
- www.nd.gov/ndins
- (800) 247-0560
Ohio
- 12.5/25/7.5
- www.ohioinsurance.gov
- (800) 686-1526
Oklahoma
- 25/50/25
- www.ok.gov/oid
- (405) 521-1828
Oregon
- 25/50/20
- PIP coverage is required
- Uninsured motorist coverage is also required
- www.cbs.state.or.us
- (503) 378-4271
Pennsylvania
- 15/30/5
- PIP insurance is required
- Pennsylvania is a No Fault state too
- www.insurance.pa.gov
- (717) 787-5173
Rhode Island
- 25/50/25
- Uninsured motorist coverage is mandatory
- www.dbr.state.ri.us
- (401) 277-2223
South Carolina
- 25/50/25
- Uninsured motorist coverage is required
- doi.sc.gov
- (803) 737-6117
South Dakota
- 25/50/25
- Require uninsured motorist coverage
- dlr.sd.gov/reg/insurance
- (605) 773-3563
Tennessee
- 25/50/15
- www.tennessee.gov
- (800) 342-4029
- 30/60/25
- www.tdi.texas.gov
- (512) 463-6464
- 25/65/15
- PIP coverage is required
- Utah is a No-Fault state
- www.insurance.state.ut.us
- (801) 530-6400
Vermont
- 25/50/10
- www.bishca.state.vt.us
- (802) 828-3301
Virginia
- 25/50/20
- Uninsured motorist coverage is obligatory
- www.scc.virginia.gov
- (800) 552-7945
- 25/50/10
- www.insurance.wa.gov
- (800) 562-6900
- Washington cities
- 25/50/10
- Uninsured motorist coverage is required
West Virginia
- 20/40/10
- Require uninsured motorist coverage
- www.wvinsurance.gov
- (800) 642-9004
- 50/100/15
- Uninsured motorist coverage is required as well
- www.oci.wi.gov
- (800) 236-8517
- 25/100/15
- insurance.state.wy.us
- (307) 777-7401
