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Minimum Car Insurance by State

Minimum car insurance liability limits in every state and DC for 2026, including the recent increases, written per person, per crash and for property damage.

Updated How we calculate

StateShorthandPer personPer crashPropertyNotes
Alabama25/50/25$25,000$50,000$25,000
Alaska50/100/25$50,000$100,000$25,000
Arizona25/50/15$25,000$50,000$15,000
Arkansas25/50/25$25,000$50,000$25,000
California30/60/15$30,000$60,000$15,000Raised from 15/30/5 on January 1, 2025.
Colorado25/50/15$25,000$50,000$15,000
Connecticut25/50/25$25,000$50,000$25,000UM coverage required.
Delaware25/50/10$25,000$50,000$10,000Delaware also requires $15,000/$30,000 of personal injury protection (PIP), but it is not a no-fault state.
District of Columbia25/50/10$25,000$50,000$10,000UM coverage required.
Florida—NoneNone$10,000No-fault state. Florida requires $10,000 of PIP and $10,000 of property damage liability, but no bodily injury liability coverage.
Georgia25/50/25$25,000$50,000$25,000
Hawaii40/80/20$40,000$80,000$20,000No-fault state. Raised from 20/40/10 for policies starting on or after January 1, 2026.
Idaho25/50/15$25,000$50,000$15,000
Illinois25/50/20$25,000$50,000$20,000UM coverage required.
Indiana25/50/25$25,000$50,000$25,000
Iowa20/40/15$20,000$40,000$15,000
Kansas25/50/25$25,000$50,000$25,000No-fault state. UM coverage required.
Kentucky25/50/25$25,000$50,000$25,000No-fault state.
Louisiana15/30/25$15,000$30,000$25,000
Maine50/100/25$50,000$100,000$25,000UM coverage required.
Maryland30/60/15$30,000$60,000$15,000Maryland also requires $2,500 of PIP unless you waive it. UM coverage required.
Massachusetts25/50/30$25,000$50,000$30,000No-fault state. Raised from 20/40/5 on July 1, 2025. UM coverage required.
Michigan50/100/10$50,000$100,000$10,000No-fault state. Policies default to $250,000/$500,000 unless you choose the $50,000/$100,000 option in writing.
Minnesota30/60/10$30,000$60,000$10,000No-fault state. UM coverage required.
Mississippi25/50/25$25,000$50,000$25,000
Missouri25/50/25$25,000$50,000$25,000UM coverage required.
Montana25/50/20$25,000$50,000$20,000
Nebraska25/50/25$25,000$50,000$25,000UM coverage required.
Nevada25/50/20$25,000$50,000$20,000
New Hampshire25/50/25$25,000$50,000$25,000Insurance is optional, but drivers who cause a crash must show they can pay at these levels.
New Jersey35/70/25$35,000$70,000$25,000No-fault state. Standard policies since January 1, 2026. A basic policy with lower limits is still sold. UM coverage required.
New Mexico25/50/10$25,000$50,000$10,000
New York25/50/10$25,000$50,000$10,000No-fault state. $50,000/$100,000 applies to claims for death. UM coverage required.
North Carolina50/100/50$50,000$100,000$50,000Raised from 30/60/25 on July 1, 2025. UM coverage required.
North Dakota25/50/25$25,000$50,000$25,000No-fault state. UM coverage required.
Ohio25/50/25$25,000$50,000$25,000
Oklahoma25/50/25$25,000$50,000$25,000
Oregon25/50/20$25,000$50,000$20,000Oregon also requires $15,000 of PIP, but it is not a no-fault state. UM coverage required.
Pennsylvania15/30/5$15,000$30,000$5,000No-fault state.
Rhode Island25/50/25$25,000$50,000$25,000
South Carolina25/50/25$25,000$50,000$25,000UM coverage required.
South Dakota25/50/25$25,000$50,000$25,000UM coverage required.
Tennessee25/50/25$25,000$50,000$25,000
Texas30/60/25$30,000$60,000$25,000Insurers must offer PIP, which pays your own medical bills regardless of fault, unless you reject it in writing.
Utah30/65/25$30,000$65,000$25,000No-fault state. Raised from 25/65/15 on January 1, 2025.
Vermont25/50/10$25,000$50,000$10,000UM coverage required.
Virginia50/100/25$50,000$100,000$25,000Raised from 30/60/20 on January 1, 2025. Paying a fee to drive uninsured ended in 2024. UM coverage required.
Washington25/50/10$25,000$50,000$10,000
West Virginia25/50/25$25,000$50,000$25,000UM coverage required.
Wisconsin25/50/10$25,000$50,000$10,000UM coverage required.
Wyoming25/50/20$25,000$50,000$20,000

Last reviewed October 2026. Rules change: check the statute or ask a lawyer licensed in the state before relying on any row. Data feed: JSON.

How to read 30/60/25

Liability limits are written as three numbers in thousands of dollars: bodily injury per person, bodily injury per crash and property damage per crash. 30/60/25 means $30,000, $60,000 and $25,000.

Why minimums matter for your claim

The at-fault driver’s limit is usually the most their insurer will pay. A serious injury can exceed a state minimum many times over, which is why your own uninsured and underinsured motorist coverage matters.

Recent increases

California raised its minimums to 30/60/15 in 2025, the first change since 1967. North Carolina (50/100/50), Virginia (50/100/25), Utah (30/65/25) and Massachusetts (25/50/30) also raised theirs in 2025. Hawaii (40/80/20) and New Jersey (35/70/25 for standard policies) followed in 2026.

See how much a policy can pay with the policy limits and UM/UIM gap calculator.