Nearly every state requires a minimum amount of car insurance, usually written as three liability limits: bodily injury per person, bodily injury per accident and property damage. This page lists the minimums for all 50 states and the District of Columbia as of September 28, 2026, each checked against the state statute, insurance department or motor vehicle agency, and the checker below compares your own policy with your state's minimum or shows how much of a claim a minimum policy would pay.
Your limits are on the declarations page of your policy, often written like 25/50/25 (thousands of dollars).
Minimum liability limits for a private passenger car as of September 28, 2026. BI means bodily injury liability and PD means property damage liability. The last column lists other coverage that the state's official source says a policy must include.
| State | BI per person | BI per accident | PD per accident | Short form | Other required coverage |
|---|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Alaska | $50,000 | $100,000 | $25,000 | 50/100/25 | - |
| Arizona | $25,000 | $50,000 | $15,000 | 25/50/15 | - |
| Arkansas | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| California | $30,000 | $60,000 | $15,000 | 30/60/15 | - |
| Colorado | $25,000 | $50,000 | $15,000 | 25/50/15 | - |
| Connecticut | $25,000 | $50,000 | $25,000 | 25/50/25 | UM/UIM 25/50 |
| Delaware | $25,000 | $50,000 | $10,000 | 25/50/10 | PIP $15,000/$30,000; non-vehicle property $10,000 |
| District of Columbia | $25,000 | $50,000 | $10,000 | 25/50/10 | UM 25/50/5 |
| Florida | Not required | Not required | $10,000 | PD 10 | PIP $10,000 |
| Georgia | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Hawaii | $40,000 | $80,000 | $20,000 | 40/80/20 | PIP $10,000 |
| Idaho | $25,000 | $50,000 | $15,000 | 25/50/15 | - |
| Illinois | $25,000 | $50,000 | $20,000 | 25/50/20 | UM 25/50 |
| Indiana | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Iowa | $20,000 | $40,000 | $15,000 | 20/40/15 | - |
| Kansas | $25,000 | $50,000 | $25,000 | 25/50/25 | PIP (medical $4,500); UM/UIM 25/50 |
| Kentucky | $25,000 | $50,000 | $25,000 | 25/50/25 | PIP $10,000 |
| Louisiana | $15,000 | $30,000 | $25,000 | 15/30/25 | - |
| Maine | $50,000 | $100,000 | $25,000 | 50/100/25 | Med pay $2,000; towing $500; UM/UIM 50/100 |
| Maryland | $30,000 | $60,000 | $15,000 | 30/60/15 | UM 30/60/15 |
| Massachusetts | $25,000 | $50,000 | $30,000 | 25/50/30 | PIP $8,000 |
| Michigan | $50,000 | $100,000 | $10,000 | 50/100/10 | PPI $1 million; see the Michigan note below |
| Minnesota | $30,000 | $60,000 | $10,000 | 30/60/10 | PIP $40,000; UM 25/50; UIM 25/50 |
| Mississippi | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Missouri | $25,000 | $50,000 | $25,000 | 25/50/25 | UM 25/50 |
| Montana | $25,000 | $50,000 | $20,000 | 25/50/20 | - |
| Nebraska | $25,000 | $50,000 | $25,000 | 25/50/25 | UM 25/50; UIM 25/50 |
| Nevada | $25,000 | $50,000 | $20,000 | 25/50/20 | - |
| New Hampshire | $25,000 | $50,000 | $25,000 | 25/50/25 | See the New Hampshire note below |
| New Jersey | $35,000 | $70,000 | $25,000 | 35/70/25 | PIP $15,000; UM/UIM 35/70 |
| New Mexico | $25,000 | $50,000 | $10,000 | 25/50/10 | - |
| New York | $25,000 | $50,000 | $10,000 | 25/50/10 | - |
| North Carolina | $50,000 | $100,000 | $50,000 | 50/100/50 | UM/UIM |
| North Dakota | $25,000 | $50,000 | $25,000 | 25/50/25 | PIP $30,000; UM 25/50; UIM |
| Ohio | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Oklahoma | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Oregon | $25,000 | $50,000 | $20,000 | 25/50/20 | - |
| Pennsylvania | $15,000 | $30,000 | $5,000 | 15/30/5 | Medical $5,000 |
| Rhode Island | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| South Carolina | $25,000 | $50,000 | $25,000 | 25/50/25 | UM 25/50/25 |
| South Dakota | $25,000 | $50,000 | $25,000 | 25/50/25 | UM (equal to BI) |
| Tennessee | $25,000 | $50,000 | $25,000 | 25/50/25 | - |
| Texas | $30,000 | $60,000 | $25,000 | 30/60/25 | - |
| Utah | $30,000 | $65,000 | $25,000 | 30/65/25 | PIP $3,000 |
| Vermont | $25,000 | $50,000 | $10,000 | 25/50/10 | UM/UIM 50/100/10 |
| Virginia | $50,000 | $100,000 | $25,000 | 50/100/25 | UM/UIM 50/100/25 |
| Washington | $25,000 | $50,000 | $10,000 | 25/50/10 | - |
| West Virginia | $25,000 | $50,000 | $25,000 | 25/50/25 | UM 25/50/25 |
| Wisconsin | $25,000 | $50,000 | $10,000 | 25/50/10 | - |
| Wyoming | $25,000 | $50,000 | $20,000 | 25/50/20 | - |
The three numbers are dollar limits written in thousands, always in the same order. Arizona's statute shows the pattern for its 25/50/15 minimum: $25,000 "because of bodily injury to or death of one person in any one accident," then, "subject to the limit for one person," $50,000 "because of bodily injury to or death of two or more persons in any one accident," and $15,000 "because of injury to or destruction of property of others in any one accident."
All three are liability coverage, which pays for harm you cause to others. In the California Department of Insurance's words, "bodily injury liability pays for bodily injury you cause someone else" and "property damage liability pays for property damage you cause someone else." It "does not pay for injuries to you or the people in your household."
Liability coverage pays other people. Some states also require coverage that pays you and your passengers. The official sources cited here list uninsured or underinsured motorist coverage as required in 17 jurisdictions (Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Minnesota, Missouri, Nebraska, New Jersey, North Carolina, North Dakota, South Carolina, South Dakota, Vermont, Virginia and West Virginia) and personal injury protection in 10 (Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, New Jersey, North Dakota and Utah). The last column of the table shows the amounts. A dash in that column means the source we cite lists no other required coverage; it does not rule out one.
For how these coverages work in a claim, see PIP (personal injury protection) by state and the UM/UIM coverage guide.
When another driver causes your crash, that driver's liability limits are the most their insurer pays on your claim. A minimum policy is the least the law allows, so a serious injury claim can be worth more than the at-fault driver's coverage. The second tab of the checker above shows the gap for your numbers.
Money above the limit has to come from somewhere else. The usual source is your own uninsured and underinsured motorist coverage, which the California Department of Insurance describes as coverage "for accidents when the other driver is at fault and does not have insurance or does not have enough insurance." The other is the at-fault driver personally. These guides go further:
For each state and the District of Columbia we read the statute on the state legislature website, the state insurance department page, or both, and recorded the exact words that set each limit. Every figure in the table appears in that wording, and the sources are listed below. Where a state website did not answer our server, we read an archived copy of the same official page.
The table shows the law as of September 28, 2026. Next scheduled review: January 1, 2027.
The most common minimum is 25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability. 19 of the 51 jurisdictions on this page use it as of September 28, 2026. The others range from Pennsylvania's 15/30/5 to North Carolina's 50/100/50.
By the per-person bodily injury limit, the highest minimums are in Alaska, Maine, Michigan, North Carolina and Virginia, at $50,000 per person. Hawaii moved to 40/80/20 for policies effective on or after January 1, 2026, and California is set to rise to 50/100/25 in 2035.
The lowest per-person bodily injury minimums are in Louisiana and Pennsylvania, at $15,000. Florida does not require bodily injury liability to register a car at all; it requires personal injury protection and property damage liability.
No. Liability coverage pays for harm you cause to others; the California Department of Insurance notes that it does not pay for injuries to you or the people in your household. Some states also require coverage for you, such as personal injury protection or uninsured motorist coverage; the last column of the table lists it where the official source does.
Their insurer pays no more than their limits. The California Department of Insurance explains that when two or more people are injured, the coverage will not pay more than the per-accident limit and the injured people share the money. Anything above the limit has to come from other coverage, such as your own underinsured motorist coverage, or from the driver personally; the Texas Department of Insurance notes that a driver without enough coverage might have to pay the rest out of pocket.
Not in the same way as other states. New Hampshire's Division of Motor Vehicles says it may require persons to have insurance (an SR-22 filing) and notifies them in writing, for example after a DWI conviction, and a driver record shows whether proof of financial responsibility is required. After a reportable crash, a driver can report that the vehicle had no insurance. A policy sold as a motor vehicle liability policy in New Hampshire must carry at least 25/50/25.