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Auto Insurance

Minimum Coverage
by State

Official minimum auto insurance requirements from state DMVs and insurance departments. Liability limits, uninsured motorist, PIP, and SR-22 rules for all 50 states.

50
States
6
Recent Changes
12
No-Fault States

Every state sets its own minimum auto insurance requirements — and the differences are significant. No-fault states like Michigan and Florida require personal injury protection (PIP) coverage that at-fault states do not. Uninsured motorist coverage is mandatory in some states and optional in others. Minimum liability limits range from as low as 15/30/5 to 50/100/25. This page aggregates current minimum requirements from all 50 state DMVs and insurance departments so you can compare coverage rules side by side.

AL

Alabama

25/50/25
BI/BI/PD
Effective: 2010-06-01
AK

Alaska

50/100/25
BI/BI/PD
Effective: 2003-01-01
AZ

Arizona

25/50/15
BI/BI/PD
Effective: 2020-07-01
AR

Arkansas

25/50/25
BI/BI/PD
Effective: 2009-07-01
CA

California

30/60/15
BI/BI/PD
Recently Changed
Effective: 2025-01-01
CO

Colorado

25/50/15
BI/BI/PD
Effective: 2003-07-01
CT

Connecticut

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 2018-01-01
DE

Delaware

25/50/10
BI/BI/PD
PIP Required
Effective: 2017-12-13
FL

Florida

10000 PIP / 10000 PDL
BI/BI/PD
No-FaultPIP Required
Effective: 2007-10-01
GA

Georgia

25/50/25
BI/BI/PD
Effective: 2002-01-01
HI

Hawaii

20/40/10
BI/BI/PD
No-FaultPIP Required
Effective: 1998-01-01
ID

Idaho

25/50/15
BI/BI/PD
Effective: 2009-07-01
IL

Illinois

25/50/20
BI/BI/PD
UM/UIM Required
Effective: 2015-01-01
IN

Indiana

25/50/25
BI/BI/PD
Effective: 2017-07-01
IA

Iowa

20/40/15
BI/BI/PD
Effective: 1981-01-01
KS

Kansas

25/50/25
BI/BI/PD
No-FaultPIP RequiredUM/UIM Required
Effective: 1984-01-01
KY

Kentucky

25/50/25
BI/BI/PD
No-FaultPIP Required
Effective: 2008-07-01
LA

Louisiana

15/30/25
BI/BI/PD
Effective: 2010-01-01
ME

Maine

50/100/25
BI/BI/PD
UM/UIM Required
Effective: 1998-01-01
MD

Maryland

30/60/15
BI/BI/PD
PIP RequiredUM/UIM Required
Effective: 2011-01-01
MA

Massachusetts

25/50/30
BI/BI/PD
No-FaultPIP RequiredUM/UIM RequiredRecently Changed
Effective: 2025-07-01
MI

Michigan

50/100/10
BI/BI/PD
No-FaultPIP Required
Effective: 2020-07-02
MN

Minnesota

30/60/10
BI/BI/PD
No-FaultPIP RequiredUM/UIM Required
Effective: 1986-01-01
MS

Mississippi

25/50/25
BI/BI/PD
Effective: 2012-01-01
MO

Missouri

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 2002-07-01
MT

Montana

25/50/20
BI/BI/PD
Effective: 2015-01-01
NE

Nebraska

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 2011-01-01
NV

Nevada

25/50/20
BI/BI/PD
Effective: 2018-07-01
NH

New Hampshire

N/A
BI/BI/PD
Effective: 1980-01-01
NJ

New Jersey

35/70/25
BI/BI/PD
No-FaultPIP RequiredUM/UIM RequiredRecently Changed
Effective: 2026-01-01
NM

New Mexico

25/50/10
BI/BI/PD
Effective: 1984-01-01
NY

New York

25/50/10
BI/BI/PD
No-FaultPIP RequiredUM/UIM Required
Effective: 1995-01-01
NC

North Carolina

50/100/50
BI/BI/PD
UM/UIM RequiredRecently Changed
Effective: 2025-07-01
ND

North Dakota

25/50/25
BI/BI/PD
No-FaultPIP RequiredUM/UIM Required
Effective: 1983-01-01
OH

Ohio

25/50/25
BI/BI/PD
Effective: 2013-03-22
OK

Oklahoma

25/50/25
BI/BI/PD
Effective: 2009-04-01
OR

Oregon

25/50/20
BI/BI/PD
PIP RequiredUM/UIM Required
Effective: 2015-01-01
PA

Pennsylvania

15/30/5
BI/BI/PD
No-FaultPIP Required
Effective: 1990-07-01
RI

Rhode Island

25/50/25
BI/BI/PD
Effective: 2018-05-01
SC

South Carolina

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 1999-01-01
SD

South Dakota

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 1999-01-01
TN

Tennessee

25/50/15
BI/BI/PD
Effective: 2009-01-01
TX

Texas

30/60/25
BI/BI/PD
Effective: 2011-01-01
UT

Utah

30/65/25
BI/BI/PD
No-FaultPIP RequiredRecently Changed
Effective: 2025-01-01
VT

Vermont

25/50/10
BI/BI/PD
UM/UIM Required
Effective: 1980-01-01
VA

Virginia

50/100/25
BI/BI/PD
UM/UIM RequiredRecently Changed
Effective: 2025-01-01
WA

Washington

25/50/10
BI/BI/PD
Effective: 2002-01-01
WV

West Virginia

25/50/25
BI/BI/PD
UM/UIM Required
Effective: 2016-01-01
WI

Wisconsin

25/50/10
BI/BI/PD
UM/UIM Required
Effective: 2011-11-01
WY

Wyoming

25/50/20
BI/BI/PD
Effective: 2009-07-01

Data sourced from official state DMVs and insurance departments. Last verified 2026. Always confirm with your state's official website before making coverage decisions.