# State Minimum Auto Insurance Requirements

Liability format: **Bodily Injury per person / Bodily Injury per accident / Property Damage** (in thousands of dollars).
Example: 25/50/25 = $25,000 per person, $50,000 per accident bodily injury, $25,000 property damage.

## All 50 States + DC

| State | Min Liability | PIP Required | UM/UIM Required | No-Fault | Avg Annual Premium | Notes |
|-------|--------------|-------------|----------------|----------|-------------------|-------|
| AL | 25/50/25 | No | No | No | $2,160 | |
| AK | 50/100/25 | No | No | No | $1,800 | |
| AZ | 25/50/15 | No | No | No | $2,280 | |
| AR | 25/50/25 | No | No | No | $2,040 | |
| CA | 30/60/15 | No | No | No | $2,400 | Limits increased from 15/30/5 effective Jan 2025 |
| CO | 25/50/15 | No | No | No | $2,520 | |
| CT | 25/50/25 | No | 25/50/25 | No | $2,640 | UM/UIM required |
| DE | 25/50/10 | $15,000 | No | No | $2,400 | |
| DC | 25/50/10 | No | 25/50/10 | No | $2,280 | |
| FL | 25/50/10 | $10,000 | No | Yes | $3,120 | PIP mandatory; BI liability required as of 2024 |
| GA | 25/50/25 | No | No | No | $2,520 | |
| HI | 20/40/10 | $10,000 | No | Yes | $1,560 | |
| ID | 25/50/15 | No | No | No | $1,440 | |
| IL | 25/50/20 | No | 25/50/20 | No | $2,040 | |
| IN | 25/50/25 | No | No | No | $1,800 | |
| IA | 20/40/15 | No | No | No | $1,560 | |
| KS | 25/50/25 | $4,500 | No | Yes | $1,800 | |
| KY | 25/50/25 | $10,000 | No | Yes | $2,640 | Choice no-fault state |
| LA | 25/50/25 | No | No | No | $3,360 | |
| ME | 50/100/25 | No | 50/100/25 | No | $1,320 | |
| MD | 30/60/15 | $2,500 | 30/60/15 | No | $2,400 | |
| MA | 20/40/5 | $8,000 | No | Yes | $1,680 | |
| MI | 50/100/10 | Unlimited (choice of levels since 2020) | No | Yes | $3,480 | Strictest no-fault state; PIP reform in 2020 |
| MN | 30/60/10 | $40,000 | 25/50 | Yes | $1,920 | |
| MS | 25/50/25 | No | No | No | $2,160 | |
| MO | 25/50/25 | No | 25/50/25 | No | $2,040 | |
| MT | 25/50/20 | No | No | No | $1,800 | |
| NE | 25/50/25 | No | No | No | $1,680 | |
| NV | 25/50/20 | No | No | No | $2,640 | |
| NH | 25/50/25 | No | No | No | $1,440 | No mandatory insurance, but financial responsibility required |
| NJ | 25/50/25 (standard) or 15/30/5 (basic) | $15,000 (standard) or $250,000 (basic) | No | Yes | $2,520 | |
| NM | 25/50/10 | No | No | No | $1,920 | |
| NY | 25/50/10 | $50,000 | 25/50 | Yes | $3,000 | High PIP requirement |
| NC | 30/60/25 | No | No | No | $1,680 | Limits increased 2025 |
| ND | 25/50/25 | $30,000 | No | Yes | $1,560 | |
| OH | 25/50/25 | No | No | No | $1,680 | |
| OK | 25/50/25 | No | No | No | $2,280 | |
| OR | 25/50/20 | $15,000 | 25/50/20 | No | $1,920 | |
| PA | 15/30/5 | $5,000 | No | Yes | $2,040 | Choice no-fault state; low minimums |
| RI | 25/50/25 | No | No | No | $2,520 | |
| SC | 25/50/25 | No | 25/50/25 | No | $2,160 | |
| SD | 25/50/25 | No | 25/50/25 | No | $1,800 | |
| TN | 25/50/15 | No | No | No | $2,040 | |
| TX | 30/60/25 | No | No | No | $2,280 | |
| UT | 25/65/15 | $3,000 | No | Yes | $1,920 | Unique 25/65/15 split |
| VT | 25/50/10 | No | 50/100/10 | No | $1,440 | |
| VA | 30/60/20 | No | No | No | $1,800 | Can pay $500 uninsured motor vehicle fee instead |
| WA | 25/50/10 | No | No | No | $1,800 | |
| WV | 25/50/25 | No | 25/50/25 | No | $2,040 | |
| WI | 25/50/10 | No | 25/50 | No | $1,560 | |
| WY | 25/50/20 | No | No | No | $1,680 | |

## No-Fault States Summary

The following 12 states + DC use a no-fault system: FL, HI, KS, KY (choice), MA, MI, MN, NJ, ND, NY, PA (choice), UT.

In no-fault states, your own PIP coverage pays for your injuries regardless of fault, up to your PIP limit.

## Recommendation

These are minimums only. Most financial advisors recommend at least **100/300/100** liability to adequately protect your assets. If you have significant assets (home, savings), consider an umbrella policy.

National average full coverage cost (2026): **$208/month (~$2,496/year)**.