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State car insurance requirements lookup

Minimum car insurance, fault rules, PIP and uninsured motorist requirements and the regulator's hotline for any state, or two states side by side.

Runs entirely in your browser: nothing you enter is sent or stored by this site. Results are estimates for planning, not a quote or advice.

What it tells you

Every state except New Hampshire requires drivers to carry auto liability insurance, and many add other required coverages such as personal injury protection or uninsured motorist coverage. The rules also differ on who pays after a crash (no-fault or at-fault), on how fault is shared, and on what happens if you drive uninsured. Choose a state to see its rules; choose a second to compare, which helps when you are moving.

Where the data comes from

Each answer comes from this site's guide to that state, which was researched from the state's insurance department, motor vehicle agency or statute and lists its sources. The lookup and the state guides read the same records, so they always agree. Every state guide shows the date it was last reviewed.

How to read the limits

Liability limits are written as three numbers in thousands of dollars: bodily injury per person / bodily injury per accident / property damage. "30/60/15" means $30,000 for one injured person, $60,000 for everyone injured in one crash and $15,000 for property damage. The liability limits decoder shows what such limits would and would not pay in a crash.

Minimums are a floor

The legal minimum is the least you may carry, not what protects you. A serious injury or a crash involving a new car can exceed minimum limits many times over, leaving the rest to you personally. See state minimum vs full coverage: which do you need? and the How much car insurance do I need?.

Check before you rely on it

Legislatures change requirements — several states have raised minimums in recent years — and some changes are scheduled ahead. Confirm with the state regulator listed for each state before you buy or cancel coverage.

Last reviewed October 4, 2026

Related guides

Minimum car insurance requirements by state Minimum liability limits for all 50 states and D.C. as of October 2026, including the 2025–2026 increases in California, New Jersey, Hawaii and others. No-fault vs at-fault states How no-fault and at-fault systems differ, which states use each, the lawsuit thresholds in no-fault states, and what it means for your claim. Moving to a new state: how to switch your car insurance Moving states means a policy written for your new state, often within days. Deadlines, coverage changes and a step-by-step plan to switch without a gap. State minimum vs full coverage: which do you need? How state-minimum car insurance differs from "full coverage," what each pays after a crash, and a simple test for deciding which one fits your car and finances.

Terms used here

Minimum coverage The least car insurance a state lets you carry to drive legally, usually liability coverage at set limits and sometimes PIP or uninsured motorist coverage. Financial responsibility law A state law requiring drivers to show they can pay for injuries or damage they cause, almost always by carrying minimum liability insurance. No-fault insurance A system in which your own policy pays your injury costs after a crash regardless of who caused it, with limits on suing the other driver. Personal injury protection (PIP) Coverage that pays medical bills, part of lost income and related costs for you and your passengers after a crash, no matter who caused it. Uninsured motorist coverage Coverage that pays injury costs for you and your passengers when a driver with no insurance, or a hit-and-run driver, causes the crash.

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