Lower Your Auto Insurance Costs - it's Free!
  1. Fill Out Our Short Form
  2. Compare Quotes
  3. Start Saving

State Auto Insurance Requirements

It is common knowledge that every single vehicle on the roads must be insured. That means that your newly-minted vehicle that you drove off the dealership must also be insured! If you’re thinking about settling the insurance-related matters only when you drive that brand-new Toyota to your garage, you’re going to be in for a rough time if the troopers stop you before you reach the safety of your home.

state auto insurance requirements

View your state’s auto insurance requirements below.

Even though many know about how it’s mandatory for a car to be insured by auto insurance, not many understands state auto insurance requirements. You know that you’re supposed to insure your vehicle – but how much should you insure? Do you really know your state’s auto insurance requirements?

State Auto Insurance Requirements – Understanding The Terms

The state auto insurance requirements are simple: you must at least be insured for 2 types of possible damages and injuries: personal bodily injuries and property damage.

The minimum sum to be insured for states vary widely, but they all are depicted by the same XX/YY/ZZ system. XX refers to the maximum sum to be insured for bodily damage for one person, YY refers to the maximum amount paid out for each accident, and ZZ refers to the maximum amount insured for property damage. All 3 figures are in the thousands, but the zeroes are removed for easy readability.For example, in California, its DMV website indicates that the minimum state auto insurance requirements are 15/30/5. That means that every vehicle must have an auto insurance policy such that in an accident, a maximum of $15,000 is paid out for bodily injuries per person, with an amounting not exceeding $30,000 being paid out in an accident. That means that if there are 3 people injured in an accident, you will only be able to a maximum of $30,000 from the insurer even though you can collect up to $15,000 per person. You will also be insured for $5,000 of property damages.Of course, you are allowed to go purchase a higher coverage from your auto insurance company, but you must at least meet these state auto insurance requirements.

What Are My State’s Auto Insurance Requirements?

Below is a long list of the state auto insurance requirements from every state in the U.S. (in reverse alphabetical order):

Wyoming 25/100/15

Wisconsin 50/100/55

West Virginia 20/40/10

Washington 25/50/10

Virginia 25/50/20

Vermont 25/50/10

Utah 25/65/15

Texas 30/60/25

Tennessee 25/50/15

South Dakota 25/50/25

South Carolina 25/50/25

Rhode Island 25/50/25

Pennsylvania 15/30/5

Oregon 25/50/20

Oklahoma 25/50/25

Ohio 12.5/25/7.5

North Dakota 25/50/25

North Carolina 30/60/25

New York 25/50/10

New Mexico 25/50/10

New Jersey 15/30/5

New Hampshire 25/50/25

Nevada 15/30/10

Nebraska 25/50/25

Montana 25/50/10

Missouri 25/50/10

Mississippi 25/50/25

Minnesota 30/60/10

Michigan 20/40/10

Massachusetts 20/40/5

Maryland 30/60/15

Maine 50/100/25

Louisiana 15/30/25

Kentucky 25/50/10

Kansas 25/50/10

Iowa 20/40/15

Indiana 25/50/10

Illinois 20/40/15

Idaho 20/50/15

Hawaii 20/40/10

Georgia 25/50/25

Florida 10/20/10

Delaware 15/30/10

Connecticut 20/40/10

Colorado 25/50/15

California 15/30/5

Arkansas 25/50/25

Arizona 15/30/10

Alaska 50/100/25

Alabama 25/50/25

You are strongly advised to use the information posted here as a rough guide rather than as an authoritative source. Please visit your state’s DMV website to confirm the minimum state auto insurance requirement.


Now that you’ve understood the minimum state auto insurance requirements, you should start finding your preferred auto insurance company! Start by keying in your zip code in the text box at the top of the page, and we’ll generate a list of quotes from auto insurers. Don’t wait; start now!

Comments are closed.