The legal minimum, state by state
What every state and D.C. makes a driver carry, in plain numbers, checked against state sources on October 2, 2026. Pick a state on the map or from the list.
All 51 at a glance
| State | Liability minimum | Fault rules | PIP | Uninsured motorist |
|---|---|---|---|---|
| Alabama | 25/50/25 | At-fault | — | Offered, can decline |
| Alaska | 50/100/25 | At-fault | — | Offered, can decline |
| Arizona | 25/50/15 | At-fault | — | Offered, can decline |
| Arkansas | 25/50/25 | At-fault | — | Offered, can decline |
| California | 30/60/15new | At-fault | — | Offered, can decline |
| Colorado | 25/50/15 | At-fault | — | Offered, can decline |
| Connecticut | 25/50/25 | At-fault | — | Required |
| Delaware | 25/50/10 | At-fault | Required | Offered, can decline |
| District of Columbia | 25/50/10 | At-fault | — | Required |
| Florida | —/—/10 | No-fault | Required | Offered, can decline |
| Georgia | 25/50/25 | At-fault | — | Offered, can decline |
| Hawaii | 40/80/20new | No-fault | Required | Offered, can decline |
| Idaho | 25/50/15 | At-fault | — | Offered, can decline |
| Illinois | 25/50/20 | At-fault | — | Required |
| Indiana | 25/50/25 | At-fault | — | Offered, can decline |
| Iowa | 20/40/15 | At-fault | — | Offered, can decline |
| Kansas | 25/50/25 | No-fault | Required | Required |
| Kentucky | 25/50/25 | Choice | Required | Offered, can decline |
| Louisiana | 15/30/25 | At-fault | — | Offered, can decline |
| Maine | 50/100/25 | At-fault | — | Required |
| Maryland | 30/60/15 | At-fault | Required | Required |
| Massachusetts | 25/50/30new | No-fault | Required | Required |
| Michigan | 50/100/10 | No-fault | Required | Optional |
| Minnesota | 30/60/10 | No-fault | Required | Required |
| Mississippi | 25/50/25 | At-fault | — | Offered, can decline |
| Missouri | 25/50/25 | At-fault | — | Required |
| Montana | 25/50/20 | At-fault | — | Offered, can decline |
| Nebraska | 25/50/25 | At-fault | — | Required |
| Nevada | 25/50/20 | At-fault | — | Offered, can decline |
| New Hampshire | 25/50/25 | At-fault | — | Required |
| New Jersey | 35/70/25new | Choice | Required | Required |
| New Mexico | 25/50/10 | At-fault | — | Offered, can decline |
| New York | 25/50/10 | No-fault | Required | Required |
| North Carolina | 50/100/50new | At-fault | — | Required |
| North Dakota | 25/50/25 | No-fault | Required | Required |
| Ohio | 25/50/25 | At-fault | — | Optional |
| Oklahoma | 25/50/25 | At-fault | — | Offered, can decline |
| Oregon | 25/50/20 | At-fault | Required | Required |
| Pennsylvania | 15/30/5 | Choice | Required | Offered, can decline |
| Rhode Island | 25/50/25 | At-fault | — | Offered, can decline |
| South Carolina | 25/50/25 | At-fault | — | Required |
| South Dakota | 25/50/25 | At-fault | — | Required |
| Tennessee | 25/50/25 | At-fault | — | Offered, can decline |
| Texas | 30/60/25 | At-fault | — | Offered, can decline |
| Utah | 30/65/25new | No-fault | Required | Offered, can decline |
| Vermont | 25/50/10 | At-fault | — | Required |
| Virginia | 50/100/25new | At-fault | — | Required |
| Washington | 25/50/10 | At-fault | — | Offered, can decline |
| West Virginia | 25/50/25 | At-fault | — | Required |
| Wisconsin | 25/50/10 | At-fault | — | Required |
| Wyoming | 25/50/20 | At-fault | — | Offered, can decline |
Reading "25/50/25"
The three numbers are thousands of dollars. The first is the most your policy pays for one person's injuries in a crash you cause. The second is the most it pays for everyone's injuries in that crash. The third is the most it pays for damage to other people's cars and property.
Anything above those limits is yours to pay. That's why the minimum is a legal floor, not a recommendation. Our coverage calculator works out a sensible level for what you'd stand to lose.
What the other terms mean
- No-fault: your own policy's personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and suing the other driver is limited.
- Choice: you pick no-fault or traditional at-fault rules when you buy the policy.
- Uninsured motorist: pays for your injuries when the driver who hit you has no insurance, or not enough.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Hawaii Department of Commerce and Consumer Affairs, Auto insurance minimum limits FAQs (effective January 1, 2026), January 2026.
- Commonwealth of Massachusetts, 2025 new motor vehicle mandatory coverage limits, 2025.
- Missouri Department of Revenue, Insurance requirements.
- State of Michigan, Auto insurance frequently asked questions.
- New Jersey Legislature, S-481: phased increase of minimum auto liability limits.
- California Department of Insurance, Automobile insurance guides.
- Florida Highway Safety and Motor Vehicles, Insurance requirements.
- New York State DMV, Insurance requirements.
- Texas Department of Insurance, Auto insurance guide.
- Virginia DMV, Insurance requirements.
- Delaware Code, Title 18, Chapter 39: Motor vehicle insurance.
- Iowa Legislature, Iowa Code §321A.1 (2026).
- Bankrate, Major changes to North Carolina car insurance.
Figures checked against these sources on October 2, 2026.