Every state sets its own minimum liability insurance for drivers. These limits are usually written as three numbers, such as 30/60/15: bodily injury liability per person, bodily injury liability per accident, and property damage liability, in thousands of dollars. Some states also require personal injury protection (PIP), uninsured motorist coverage or other coverages, noted in the table. Sort the table by clicking a column header, or download the CSV.
How we compiled this: every row was verified in October 2026 against an official state source: the state insurance regulator, motor vehicle agency or statute, linked in each row. Laws change; before relying on a number, confirm it with the state regulator linked in each row. This page is general information, not legal advice.
| State | Minimum liability (BI per person / BI per accident / PD) | Other required coverage and notes | State regulator | Official source |
|---|---|---|---|---|
| Alabama | 25/50/25 | Alabama Department of Insurance | Official source (verified Oct 2026) | |
| Alaska | 50/100/25 | Alaska Division of Insurance | Official source (verified Oct 2026) | |
| Arizona | 25/50/15 | Arizona Department of Insurance and Financial Institutions | Official source (verified Oct 2026) | |
| Arkansas | 25/50/25 | Arkansas Insurance Department | Official source (verified Oct 2026) | |
| California | 30/60/15 | California Department of Insurance | Official source (verified Oct 2026) | |
| Colorado | 25/50/15 | Colorado Division of Insurance | Official source (verified Oct 2026) | |
| Connecticut | 25/50/25 | Uninsured/underinsured motorist coverage of 25/50 is also required. | Connecticut Insurance Department | Official source (verified Oct 2026) |
| Delaware | 25/50/10 | Delaware also requires personal injury protection (PIP) of $15,000/$30,000. | Delaware Department of Insurance | Official source (verified Oct 2026) |
| District of Columbia | 25/50/10 | Uninsured motorist coverage is also required: $25,000/$50,000 bodily injury and $5,000 property damage ($200 deductible). | DC Department of Insurance, Securities and Banking (DISB) | Official source (verified Oct 2026) |
| Florida | PIP $10,000 + property damage liability $10,000 | Florida does not require bodily injury liability for most drivers, which leaves many at-fault drivers with little coverage for injuries they cause. | Florida Office of Insurance Regulation (consumer help through the Department of Financial Services) | Official source (verified Oct 2026) |
| Georgia | 25/50/25 | Georgia Office of Commissioner of Insurance and Safety Fire | Official source (verified Oct 2026) | |
| Hawaii | 40/80/20 (raised from 20/40/10 on January 1, 2026) | Hawaii is a no-fault state and requires $10,000 of PIP. | Hawaii Insurance Division | Official source (verified Oct 2026) |
| Idaho | 25/50/15 | Idaho Department of Insurance | Official source (verified Oct 2026) | |
| Illinois | 25/50/20 | Uninsured motorist coverage is also required. | Illinois Department of Insurance | Official source (verified Oct 2026) |
| Indiana | 25/50/25 | Indiana Department of Insurance | Official source (verified Oct 2026) | |
| Iowa | 20/40/15 | Iowa Insurance Division | Official source (verified Oct 2026) | |
| Kansas | 25/50/25 | Kansas is a no-fault state and requires PIP, including $4,500 per person for medical expenses. | Kansas Insurance Department | Official source (verified Oct 2026) |
| Kentucky | 25/50/25 | Kentucky is a choice no-fault state with $10,000 of PIP unless you reject it in writing. | Kentucky Department of Insurance | Official source (verified Oct 2026) |
| Louisiana | 15/30/25 | Louisiana Department of Insurance | Official source (verified Oct 2026) | |
| Maine | 50/100/25 | Maine also requires uninsured motorist and $2,000 medical payments coverage. | Maine Bureau of Insurance | Official source (verified Oct 2026) |
| Maryland | 30/60/15 | Maryland also requires $2,500 PIP (waivable) and uninsured motorist coverage. | Maryland Insurance Administration | Official source (verified Oct 2026) |
| Massachusetts | 25/50/30 | Massachusetts is a no-fault state requiring $8,000 PIP, and minimums rose in 2025. | Massachusetts Division of Insurance | Official source (verified Oct 2026) |
| Michigan | 50/100/10 (250/500 default unless lower limits are chosen in writing) | Michigan's 2019 no-fault reform lets drivers choose PIP medical levels, and property protection insurance of $1 million is required. Policies default to 250/500 bodily injury unless you choose lower limits in writing. | Michigan Department of Insurance and Financial Services (DIFS) | Official source (verified Oct 2026) |
| Minnesota | 30/60/10 | Minnesota is a no-fault state requiring $40,000 PIP plus uninsured and underinsured motorist coverage. | Minnesota Department of Commerce | Official source (verified Oct 2026) |
| Mississippi | 25/50/25 | Mississippi Insurance Department | Official source (verified Oct 2026) | |
| Missouri | 25/50/25 | Uninsured motorist coverage is also required. | Missouri Department of Commerce and Insurance | Official source (verified Oct 2026) |
| Montana | 25/50/20 | Montana Commissioner of Securities and Insurance | Official source (verified Oct 2026) | |
| Nebraska | 25/50/25 | Uninsured and underinsured motorist coverage is also required. | Nebraska Department of Insurance | Official source (verified Oct 2026) |
| Nevada | 25/50/20 | Nevada Division of Insurance | Official source (verified Oct 2026) | |
| New Hampshire | 25/50/25 (financial responsibility if you choose not to insure) | New Hampshire does not require most drivers to buy auto insurance, but you must show financial responsibility after certain crashes or violations; a policy you buy must include 25/50/25, $1,000 medical payments and uninsured motorist coverage. | New Hampshire Insurance Department | Official source (verified Oct 2026) |
| New Jersey | 35/70/25 (phased increases through 2026) | New Jersey is a no-fault state with PIP; a Basic Policy option also exists. | New Jersey Department of Banking and Insurance (DOBI) | Official source (verified Oct 2026) |
| New Mexico | 25/50/10 | New Mexico Office of Superintendent of Insurance | Official source (verified Oct 2026) | |
| New York | 25/50/10 | New York is a no-fault state requiring $50,000 PIP and uninsured motorist coverage. | New York Department of Financial Services (DFS) | Official source (verified Oct 2026) |
| North Carolina | 50/100/50 (effective July 2025) | Uninsured/underinsured motorist coverage is also required. | North Carolina Department of Insurance | Official source (verified Oct 2026) |
| North Dakota | 25/50/25 | North Dakota is a no-fault state requiring $30,000 PIP plus 25/50 uninsured and underinsured motorist coverage. | North Dakota Insurance Department | Official source (verified Oct 2026) |
| Ohio | 25/50/25 | Ohio Department of Insurance | Official source (verified Oct 2026) | |
| Oklahoma | 25/50/25 | Oklahoma Insurance Department | Official source (verified Oct 2026) | |
| Oregon | 25/50/20 | Oregon also requires $15,000 PIP and uninsured motorist coverage. | Oregon Division of Financial Regulation | Official source (verified Oct 2026) |
| Pennsylvania | 15/30/5 | Pennsylvania requires $5,000 first-party medical benefits and lets drivers choose full or limited tort. | Pennsylvania Insurance Department | Official source (verified Oct 2026) |
| Rhode Island | 25/50/25 | Rhode Island Department of Business Regulation | Official source (verified Oct 2026) | |
| South Carolina | 25/50/25 | Uninsured motorist coverage is also required. | South Carolina Department of Insurance | Official source (verified Oct 2026) |
| South Dakota | 25/50/25 | Uninsured and underinsured motorist coverage is also required. | South Dakota Division of Insurance | Official source (verified Oct 2026) |
| Tennessee | 25/50/25 | The property damage minimum rose from $15,000 to $25,000 for policies issued or renewed after December 31, 2022. | Tennessee Department of Commerce and Insurance | Official source (verified Oct 2026) |
| Texas | 30/60/25 | PIP and uninsured/underinsured motorist coverage must be included unless you reject them in writing. | Texas Department of Insurance | Official source (verified Oct 2026) |
| Utah | 30/65/25 | Utah is a no-fault state requiring $3,000 PIP. | Utah Insurance Department | Official source (verified Oct 2026) |
| Vermont | 25/50/10 | Uninsured/underinsured motorist coverage of at least 50/100 bodily injury and $10,000 property damage is also required. | Vermont Department of Financial Regulation | Official source (verified Oct 2026) |
| Virginia | 50/100/25 | Uninsured/underinsured motorist coverage is also required. | Virginia Bureau of Insurance (State Corporation Commission) | Official source (verified Oct 2026) |
| Washington | 25/50/10 | Washington Office of the Insurance Commissioner | Official source (verified Oct 2026) | |
| West Virginia | 25/50/25 | West Virginia Offices of the Insurance Commissioner | Official source (verified Oct 2026) | |
| Wisconsin | 25/50/10 | Uninsured motorist coverage of 25/50 is also required. | Wisconsin Office of the Commissioner of Insurance | Official source (verified Oct 2026) |
| Wyoming | 25/50/20 | Wyoming Department of Insurance | Official source (verified Oct 2026) |
Why minimums are rarely enough
Minimum limits were set years ago in many states and haven't kept up with medical and vehicle repair costs. If you cause a crash and damages exceed your limits, you can be personally responsible for the difference. Consider higher liability limits, uninsured/underinsured motorist coverage, and a personal umbrella. See our guides to uninsured motorist coverage and umbrella insurance. For California specifically, see California's minimum car insurance requirements.
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<p style="font-size:12px">Source: <a href="/car-insurance-minimums-by-state">Minimum Car Insurance Requirements by State</a> by Alishahi Insurance</p>Frequently asked questions
What does 30/60/15 mean?
It means $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident, and $15,000 of property damage liability.
Are state minimums enough?
Minimums are a legal floor. A serious crash can cause damages well above them, and you can be personally responsible for the difference. Many drivers choose higher limits and an umbrella policy.
Which states have changed their minimums recently?
Recent increases include California (2025), North Carolina (July 2025), Utah, Virginia, New Jersey (phased through 2026) and Hawaii (January 1, 2026). Always confirm with the state regulator.
Can I use this table on my site?
Yes. You can republish or embed it with a visible credit link to this page. See the embed code below.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only; not legal advice. Confirm current requirements with each state's regulator.
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