Insurance requirements by state

Alabama requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. PIP is not part of the system, and uninsured motorist coverage must be offered at 25/50 or higher; you can turn it down only by rejecting it in writing. All Alabama rules and sources.

Alaska requires at least $50,000 bodily injury liability per person, $100,000 per accident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured/underinsured motorist coverage in writing; if you don't sign a rejection or a selection, the policy is issued with UM/UIM limits equal to your liability limits. All Alaska rules and sources.

Since July 1, 2020, Arizona has required at least $25,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability. PIP is not required. Insurers must offer uninsured and underinsured motorist coverage in writing, but buying it is optional. All Arizona rules and sources.

Arkansas requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Insurers must offer personal injury protection and uninsured motorist coverage, and you have to reject them in writing if you don't want them. Liability is the only coverage the law requires. All Arkansas rules and sources.

Since January 1, 2025, California has required at least $30,000 bodily injury liability per person, $60,000 per accident and $15,000 property damage liability, up from the 15/30/5 limits in place since 1967. PIP is not required. Insurers must offer uninsured/underinsured motorist coverage, and you have to sign a waiver to decline it. All California rules and sources.

Colorado requires at least $25,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability. PIP is not required. Uninsured/underinsured motorist coverage and $5,000 of medical payments coverage are included automatically unless you reject them in writing. All Colorado rules and sources.

Connecticut requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (or a $50,000 single limit). Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is mandatory. PIP is not required. All Connecticut rules and sources.

Delaware requires at least $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage liability. It also requires personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident. Uninsured motorist coverage is optional. All Delaware rules and sources.

To register a car, Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required to register, but after certain crashes involving injuries a driver must show bodily injury liability of $10,000 per person and $20,000 per crash. Uninsured motorist coverage is optional. All Florida rules and sources.

Georgia requires at least $25,000 bodily injury liability per person, $50,000 per incident and $25,000 property damage liability. PIP is not required. Insurers must offer uninsured motorist coverage for bodily injury and property damage. All Georgia rules and sources.

For policies issued or renewed on or after January 1, 2026, Hawaii requires at least $40,000 bodily injury per person, $80,000 per accident and $20,000 property damage (up from the old 20/40/10), plus $10,000 of personal injury protection (PIP). Insurers must offer uninsured and underinsured motorist coverage, which the buyer may decline in writing. All Hawaii rules and sources.

Idaho requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Uninsured and underinsured motorist bodily injury coverage is included automatically unless a named insured rejects it in writing. PIP is not required. All Idaho rules and sources.

Illinois requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. Uninsured motorist bodily injury coverage of at least $25,000/$50,000 is automatically included in every liability policy. PIP is not required. All Illinois rules and sources.

Indiana requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Every new liability policy must include uninsured and underinsured motorist coverage unless the buyer rejects it in writing. PIP is not required. All Indiana rules and sources.

Iowa's financial responsibility law sets minimums of $20,000 bodily injury per person, $40,000 per accident and $15,000 property damage. Uninsured and underinsured motorist coverage at those limits must be included unless the named insured rejects it in writing on a separate sheet. PIP is not required. All Iowa rules and sources.

Kansas requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. PIP is also required, including at least $4,500 per person for medical expenses. Uninsured/underinsured motorist coverage is mandatory at least at the 25/50 minimum; only coverage above the minimum can be rejected in writing. All Kansas rules and sources.

Kentucky requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, or a $60,000 single limit. It also requires $10,000 per person in basic reparation benefits (PIP). Uninsured motorist coverage must be included unless a named insured rejects it in writing. All Kentucky rules and sources.

Louisiana requires at least $15,000 bodily injury per person, $30,000 per accident and $25,000 property damage. Uninsured/underinsured motorist coverage equal to the bodily injury limits is included unless the insured rejects it, picks lower limits, or chooses economic-only UM on the state form. PIP is not required. All Louisiana rules and sources.

Maine requires at least $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage, plus $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage is mandatory and must equal the liability limits unless the buyer rejects equal coverage in writing, but it can never be below the state minimum. All Maine rules and sources.

Maryland requires at least $30,000 bodily injury per person, $60,000 per accident and $15,000 property damage. It also requires $2,500 of PIP, which the first named insured can waive in writing. Uninsured motorist coverage is mandatory at least at the minimum limits, and insurers must offer enhanced underinsured motorist coverage. All Maryland rules and sources.

Since July 1, 2025, Massachusetts requires bodily injury liability of $25,000 per person and $50,000 per accident and property damage liability of $30,000. Personal injury protection (PIP) of $8,000 per person and uninsured motorist coverage of $25,000/$50,000 are also compulsory; underinsured motorist coverage is optional. All Massachusetts rules and sources.

Michigan policies default to bodily injury liability of $250,000/$500,000 and $10,000 for property damage in another state; drivers may choose limits as low as $50,000/$100,000/$10,000 by signing a form. Every policy must also include personal injury protection (PIP) and $1 million of property protection insurance (PPI) for damage your car does to property in Michigan; uninsured motorist coverage is optional. All Michigan rules and sources.

Minnesota requires liability coverage of $30,000 per person, $60,000 per accident and $10,000 for property damage. PIP of at least $40,000 per person ($20,000 medical and $20,000 for lost income and other non-medical losses) is mandatory, as are separate uninsured and underinsured motorist coverages of at least $25,000/$50,000 each. All Minnesota rules and sources.

Mississippi requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage (in effect since January 1, 2006). PIP is not required, and uninsured/underinsured motorist coverage is optional. All Mississippi rules and sources.

Missouri requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident. PIP is not required, and underinsured motorist coverage is optional. All Missouri rules and sources.

Montana requires liability coverage of $25,000 per person, $50,000 per accident and $20,000 for property damage. PIP is not required, and insurers must offer uninsured and underinsured motorist coverage, but drivers may decline it. All Montana rules and sources.

Nebraska requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident; PIP is not required. All Nebraska rules and sources.

Nevada requires liability coverage of $25,000 per person, $50,000 per crash and $20,000 for property damage. PIP is not required, and insurers must offer uninsured/underinsured motorist coverage equal to your bodily injury limits, but buying it is optional. All Nevada rules and sources.

Most New Hampshire drivers are not required to buy auto insurance, but a driver without it who is in a reportable accident can lose their license and registration until they post security for the damages and prove future financial responsibility. The same proof can be required after convictions such as DUI. Policies sold in the state must provide at least $25,000/$50,000/$25,000 of liability coverage, $1,000 of medical payments, and uninsured motorist coverage equal to the liability limits. All New Hampshire rules and sources.

A New Jersey Standard Policy must carry at least $35,000 per person and $70,000 per accident of bodily injury liability, $25,000 of property damage liability, and $15,000 of PIP (up to $250,000 for certain serious injuries), plus a minimum amount of uninsured/underinsured motorist coverage. The low-cost Basic Policy instead provides $5,000 of property damage, $15,000 of PIP and optional $10,000 bodily injury coverage, with no uninsured/underinsured coverage. All New Jersey rules and sources.

New Mexico requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage. PIP is not required; insurers must offer uninsured motorist coverage, which a driver can turn down only in writing. All New Mexico rules and sources.

New York requires $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage, plus $50,000 of mandatory no-fault (PIP) coverage. Uninsured motorist coverage is also required at the same 25/50 bodily injury minimums. All New York rules and sources.

For policies issued or renewed on or after July 1, 2025, North Carolina requires $50,000 per person and $100,000 per accident for bodily injury and $50,000 for property damage. Uninsured motorist coverage is required, and since July 1, 2025 underinsured motorist coverage is included in every new or renewed policy; PIP is not required. All North Carolina rules and sources.

North Dakota requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Basic no-fault (PIP) of $30,000 per person is mandatory, as are uninsured and underinsured motorist coverage at $25,000/$50,000. All North Dakota rules and sources.

Ohio requires financial responsibility of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. PIP is not required, and uninsured/underinsured motorist coverage is optional. All Ohio rules and sources.

Oklahoma requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. PIP is not required; insurers must offer uninsured/underinsured motorist coverage, and you are charged for minimum UM until you reject it in writing. All Oklahoma rules and sources.

Oregon requires $25,000 per person and $50,000 per crash for bodily injury and $20,000 for property damage. Personal injury protection of $15,000 per person and uninsured motorist coverage of $25,000/$50,000 are also mandatory. All Oregon rules and sources.

Pennsylvania requires $15,000 per person and $30,000 per accident for bodily injury, $5,000 for property damage, and $5,000 of first-party medical benefits. Uninsured and underinsured motorist coverage is optional. All Pennsylvania rules and sources.

Rhode Island requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, or a $75,000 combined single limit. Uninsured motorist bodily injury coverage must be included at your liability limits; it can be reduced to zero only if you buy just the state minimum and sign an advisory notice. PIP is not required. All Rhode Island rules and sources.

South Carolina requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Uninsured motorist coverage at the same 25/50/25 limits is mandatory; underinsured motorist coverage must be offered but is optional, and PIP is not required. All South Carolina rules and sources.

South Dakota requires liability limits of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage equal to the policy's bodily injury limits (up to 100/300 unless more is requested); PIP is not required. All South Dakota rules and sources.

Tennessee requires at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (TCA 55-12-102). Uninsured motorist coverage must be included in every policy unless the named insured rejects it or selects lower limits in writing; PIP is not required. All Tennessee rules and sources.

Texas requires at least $30,000 per injured person, $60,000 per accident for injuries, and $25,000 for property damage. Every policy includes PIP unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage, which you must also reject in writing if you don't want it. All Texas rules and sources.

For policies issued or renewed on or after January 1, 2025, Utah requires at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage (up from 25/65/15). Personal injury protection of at least $3,000 per person is mandatory, and uninsured motorist coverage is included at your liability limits unless you reject it or choose less on a signed form. All Utah rules and sources.

Vermont requires at least $25,000 per person and $50,000 per crash for bodily injury and $10,000 for property damage. Uninsured/underinsured motorist coverage is required at higher limits of at least $50,000 per person and $100,000 per crash, plus $10,000 for property damage; PIP is not required. All Vermont rules and sources.

Since January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage. Uninsured/underinsured motorist coverage is mandatory and matches your liability limits unless you ask for less, and medical expense benefits are optional. Since July 1, 2024, you can no longer pay the $500 uninsured motor vehicle fee instead of buying insurance. All Virginia rules and sources.

Washington requires at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage. Insurers must offer personal injury protection and underinsured motorist coverage; you can reject either one, but only in writing. All Washington rules and sources.

West Virginia requires at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Uninsured motorist coverage is mandatory at the same 25/50/25 limits, and insurers must offer underinsured motorist coverage and higher UM limits; PIP is not required. All West Virginia rules and sources.

Wisconsin requires at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage. Policies must include uninsured motorist coverage of at least 25/50 and $1,000 of medical payments coverage (which you may reject), and insurers must give notice that underinsured motorist coverage is available. All Wisconsin rules and sources.

Wyoming requires at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage. Insurers must include uninsured motorist coverage, but the named insured may reject it; PIP is not required. All Wyoming rules and sources.