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Minimum Auto Insurance State Requirements

Minimums are listed in this format:
XX/YY/ZZ - UM-yes/no - NO-FAULT-yes/no - PIP-yes/no

XX = maximum coverage for bodily injury of one person.
YY = maximum coverage for bodily injury for all persons in one accident.
ZZ = maximum coverage for property damage in one accident Amounts listed are in thousands of dollars.

UM = uninsured motorist coverage.
NO-FAULT = no-fault state.
PIP = personal injury protection policy - usually required with no fault.

Please note:
New Hampshire, South Carolina, Virginia, and Wisconsin do not require liability insurance but they have other financial requirements for motorists who do not carry insurance.

Find Your State Minimum Required UM No-Fault PIP
Alabama Auto Insurance 20/40/10 No No No
Alaska Auto Insurance 50/100/25 No No No
Arizona Auto Insurance 15/30/10 No No No
Arkansas Auto Insurance 25/50/25 No No No
California Auto Insurance 15/30/5 No No No
Colorado Auto Insurance 25/50/15 No Yes Yes
Connecticut Auto Insurance 20/40/10 Yes No No
Delaware Auto Insurance 15/30/10 No No Yes
Florida Auto Insurance 10/20/10 No Yes Yes
Georgia Auto Insurance 25/50/25 No No No
Hawaii Auto Insurance 20/40/10 No Yes Yes
Idaho Auto Insurance 25/50/15 No No No
Illinois Auto Insurance 20/40/15 No No No
Indiana Auto Insurance 25/50/10 No No No
Iowa Auto Insurance 20/40/15 No No No
Kansas Auto Insurance 25/50/10 Yes Yes Yes
Kentucky Auto Insurance 25/50/10 No Yes Yes
Louisiana Auto Insurance 10/20/10 No No No
Maine Auto Insurance 50/100/25 Yes No No
Maryland Auto Insurance 20/40/15 Yes No Yes
Massachusetts Auto Insurance 20/40/5 Yes Yes Yes
Michigan Auto Insurance 20/40/10 No Yes Yes
Minnesota Auto Insurance 30/60/10 Yes Yes Yes
Mississippi Auto Insurance 25/50/25 No No No
Missouri Auto Insurance 25/50/10 Yes No No
Montana Auto Insurance 25/50/10 No No No
Nebraska Auto Insurance 25/50/25 No No No
Nevada Auto Insurance 15/30/10 No No No
New Hampshire Auto Insurance 25/50/25 Yes No No
New Jersey Auto Insurance 15/30/5 Yes Yes Yes
New Mexico Auto Insurance 25/50/10 No No No
New York Auto Insurance 25/50/10 Yes Yes Yes
North Carolina Auto Insurance 30/60/25 No No No
North Dakota Auto Insurance 25/50/25 Yes Yes Yes
Ohio Auto Insurance 12.5/25/7.5 No No No
Oklahoma Auto Insurance 25/50/25 No No No
Oregon Auto Insurance 25/50/10 Yes No Yes
Pennsylvania Auto Insurance 15/30/5 No Yes No
Rhode Island Auto Insurance 25/50/25 Yes No No
South Carolina Auto Insurance 25/50/25 Yes No No
South Dakota Auto Insurance 25/50/25 Yes No No
Tennessee Auto Insurance 25/50/10 No No No
Texas Auto Insurance 20/40/15 No No No
Utah Auto Insurance 25/50/15 No Yes Yes
Vermont Auto Insurance 25/50/10 Yes No No
Virginia Auto Insurance 25/50/20 Yes No No
Washington Auto Insurance 25/50/10 No No No
Washington D.C. Auto Insurance 25/50/10 Yes No No
West Virginia Auto Insurance 20/40/10 Yes No No
Wisconsin Auto Insurance 25/50/10 Yes No No
Wyoming Auto Insurance 25/50/20 No No No
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  Bodily Injury (BI)
  Collision Auto Insurance
  Comprehensive Auto Insurance
  Liability Auto Insurance
  No-Fault Insurance
  Personal Injury Protection (PIP)
  Property Damage (PD)
  Tort States
  Underinsured Motorist Insurance (UIM)
  Uninsured Motorists Coverage (UM)
  Wrongful Death Insurance