HomeLaws by stateMinimum car insurance
Minimum car insurance by state
The minimum is what the at-fault driver's insurer may be good for when you are hurt. The most common limits are 25/50/25 (thousands of dollars per injured person, per crash, and for property), used in 19 states. The lowest per-person minimum is $15,000 in Louisiana and Pennsylvania; the highest is $50,000 in Alaska, Maine, Michigan, North Carolina and Virginia.
Quoted from each state's insurance statute, checked October 2, 2026
| State | Per person | Per crash | Property | Notes |
|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | 25/50/25. Uninsured motorist coverage must be included in liability policies unless the named insured rejects it (Ala. Code 32-7-23(a)), so it is not mandatory. |
| Alaska | $50,000 | $100,000 | $25,000 | 50/100/25. Uninsured/underinsured motorist coverage in the same amounts must be included but may be rejected by the insured in writing (AS 28.20.445(e)(3)). |
| Arizona | $25,000 | $50,000 | $15,000 | 25/50/15 for policies issued or renewed on or after July 1, 2020 (was 15/30/10). Insurers must offer uninsured motorist coverage (A.R.S. 20-259.01) but the insured may reject it. |
| Arkansas | $25,000 | $50,000 | $25,000 | 25/50/25. Uninsured motorist coverage must be included unless the insured rejects it in writing (Ark. Code 23-89-403(a)). |
| California | $30,000 | $60,000 | $15,000 | 30/60/15 for policies issued or renewed on or after Jan 1, 2025 (SB 1107; previously 15/30/5). Uninsured motorist coverage is included in policies unless the named insured rejects it in writing (Ins. Code 11580.2). |
| Colorado | $25,000 | $50,000 | $15,000 | 25/50/15. Uninsured motorist coverage must be offered/included in the same limits unless the named insured rejects it in writing (C.R.S. 10-4-609). |
| Connecticut | $25,000 | $50,000 | $25,000 | 25/50/25. Uninsured/underinsured motorist coverage is mandatory in every auto liability policy, with limits not less than the 14-112(a) minimums (Conn. Gen. Stat. 38a-336). |
| Delaware | $25,000 | $50,000 | $10,000 | 25/50/10, plus mandatory PIP of $15,000/$30,000 (21 Del. C. 2118(a)(2)). Uninsured motorist coverage must be provided unless rejected in writing (18 Del. C. 3902(a)(1)). |
| District of Columbia | $25,000 | $50,000 | $10,000 | 25/50/10 in force on 2026-10-02. D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026) raises the minimums to 50/100/20 effective October 1, 2027 (and by a set increment every 10 years from 2037). Insurers must include uninsured motorist coverage of $25,000/$50,000 BI and $5,000 PD (31-2406(f)(2)); PIP is optional. |
| Florida | n/a | n/a | $10,000 | Florida does not require bodily injury liability insurance for most drivers. Required: $10,000 property damage liability plus $10,000 PIP. The 10/20/10 bodily-injury limits in s. 324.021(7) apply only as proof of financial responsibility after a crash, DUI or similar event. Uninsured motorist coverage is optional (written rejection allowed, s. 627.727(1)). |
| Georgia | $25,000 | $50,000 | $25,000 | 25/50/25. Insurers must include uninsured motorist coverage unless the named insured rejects it in writing (O.C.G.A. 33-7-11(a)(3)). |
| Hawaii | $40,000 | $80,000 | $20,000 | 40/80/20 for new and renewal policies effective on or after January 1, 2026 (previously 20/40/10); PIP of $10,000 is also required. Uninsured motorist coverage must be included unless the named insured rejects it in writing (431:10C-301(b)(3)). |
| Idaho | $25,000 | $50,000 | $15,000 | 25/50/15. Uninsured/underinsured motorist coverage must be included in the same limits unless the named insured rejects it in writing (Idaho Code 41-2502(2)). |
| Illinois | $25,000 | $50,000 | $20,000 | 25/50/20. Uninsured motorist coverage (and hit-and-run) at least at those limits must be included in auto liability policies (215 ILCS 5/143a(1)). |
| Indiana | $25,000 | $50,000 | $25,000 | 25/50/25 (property damage minimum rose from $10,000 on July 1, 2018). Insurers must provide uninsured/underinsured motorist coverage unless the insured rejects it in writing (Ind. Code 27-7-5-2). |
| Iowa | $20,000 | $40,000 | $15,000 | 20/40/15 in the Iowa Code 2026 edition. Insurers must include uninsured/underinsured motorist coverage in every liability policy unless the insured rejects it (Iowa Code 516A.1). |
| Kansas | $25,000 | $50,000 | $25,000 | 25/50/25 plus mandatory PIP. Uninsured motorist coverage is required at least up to the 40-3107 limits; a named insured may reject in writing only the UM coverage that exceeds those limits (K.S.A. 40-284(c)). |
| Kentucky | $25,000 | $50,000 | $25,000 | 25/50/25 split limits (or $60,000 combined single limit), plus mandatory $10,000 PIP. Uninsured motorist coverage must be included unless the named insured rejects it in writing (KRS 304.20-020(1)). |
| Louisiana | $15,000 | $30,000 | $25,000 | 15/30/25. Uninsured motorist coverage must be included unless the insured rejects it, selects lower limits or selects economic-only coverage on the approved form (La. R.S. 22:1295). Louisiana's 'no pay, no play' rule (R.S. 32:866) bars an uninsured owner/operator from recovering the first $100,000 of bodily injury and the first $100,000 of property damage, with exceptions such as a DWI-cited other driver or a driver who flees. |
| Maine | $50,000 | $100,000 | $25,000 | 50/100/25 plus $2,000 medical payments and $500 towing and storage (PL 2023, c. 395). Uninsured/underinsured motorist coverage must be provided in every liability policy (24-A § 2902(1)). |
| Maryland | $30,000 | $60,000 | $15,000 | 30/60/15, plus PIP ($2,500) unless waived. Uninsured motorist coverage must be included in every policy (Ins. 19-509(c)); a written waiver (19-510) is possible only for amounts above the minimum. |
| Massachusetts | $25,000 | $50,000 | $30,000 | 25/50/30 for policies issued or renewed on or after July 1, 2025 (Acts 2024, ch. 275; previously 20/40/5), plus mandatory $8,000 PIP. Uninsured motorist coverage at the bodily injury limits is required in every policy (ch. 175, § 113L). |
| Michigan | $50,000 | $100,000 | $10,000 | The statutory default since July 1, 2020 is 250/500/10; a driver may sign a form choosing lower limits but not below 50/100/10 (so 50/100/10 is the lowest allowed). Property damage liability is $10,000. Uninsured motorist coverage is not mandated by the sections quoted. |
| Minnesota | $30,000 | $60,000 | $10,000 | 30/60/10, plus mandatory no-fault basic economic loss benefits ($40,000). Separate uninsured and underinsured motorist coverages of at least $25,000/$50,000 are also required (65B.49, subd. 3a). |
| Mississippi | $25,000 | $50,000 | $25,000 | 25/50/25 (the 'proof of financial responsibility' amounts that Mississippi's compulsory insurance rule uses). Uninsured motorist coverage must be included in auto liability policies unless the named insured rejects it in writing (Miss. Code Ann. 83-11-101). |
| Missouri | $25,000 | $50,000 | $25,000 | 25/50/25. Uninsured motorist coverage in at least the section 303.030 bodily injury limits must be provided in each policy (RSMo 379.203). |
| Montana | $25,000 | $50,000 | $20,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
| Nebraska | $25,000 | $50,000 | $25,000 | Uninsured and underinsured motorist coverage must be included in every auto liability policy (Neb. Rev. Stat. 44-6408); III's required-coverage list does not include PIP/MedPay. |
| Nevada | $25,000 | $50,000 | $20,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
| New Hampshire | $25,000 | $50,000 | $25,000 | New Hampshire does not require drivers to buy insurance (financial responsibility is required after an accident or violation); these are the limits a policy must meet when one is carried. A policy sold in NH must include UM/hit-and-run coverage at these limits (RSA 264:15). |
| New Jersey | $35,000 | $70,000 | $25,000 | For policies issued or renewed on or after 2026-01-01 the minimum is 35/70/25; policies issued or renewed 2023-01-01 through 2025-12-31 are 25/50/25 and earlier policies 15/30/5 (P.L. 2022 increase). PIP is also required (default standard policy) and UM/UIM is required under the standard policy. III lists BI & PD liability, PIP, UM, UIM as required. |
| New Mexico | $25,000 | $50,000 | $10,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
| New York | $25,000 | $50,000 | $10,000 | Bodily-injury limits are 25/50 for injury and 50/100 for death. No-fault (PIP) coverage and uninsured motorist coverage are also required (III lists BI & PD liability, PIP, UM, UIM). Limits per VTL 311(4). |
| North Carolina | $50,000 | $100,000 | $50,000 | Effective for policies issued or renewed on or after July 1, 2025 (50/100/50); before that the minimum was 30/60/25. Uninsured motorist coverage is required with the liability policy, and underinsured motorist coverage became included in all new or renewed policies from July 1, 2025 (NCDOI). |
| North Dakota | $25,000 | $50,000 | $25,000 | North Dakota is a no-fault state: basic no-fault (PIP) benefits up to $30,000 are also required, and UM/UIM coverage is required (III lists BI & PD liability, PIP, UM, UIM). |
| Ohio | $25,000 | $50,000 | $25,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
| Oklahoma | $25,000 | $50,000 | $25,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
| Oregon | $25,000 | $50,000 | $20,000 | Oregon also requires PIP ($15,000 medical) and UM/UIM coverage (III lists BI & PD liability, PIP, UM, UIM). Note ORS 31.715: a plaintiff who was driving uninsured or under the influence at the time cannot recover noneconomic damages. |
| Pennsylvania | $15,000 | $30,000 | $5,000 | Pennsylvania also requires a $5,000 medical benefit (first-party, 75 Pa.C.S. 1711(a)). III's required-coverage list shows only BI & PD liability and PIP (no UM); UM offer/waiver rules were not checked. |
| Rhode Island | $25,000 | $50,000 | $25,000 | A $75,000 combined single limit is also allowed. III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM rules were not checked. |
| South Carolina | $25,000 | $50,000 | $25,000 | Uninsured motorist coverage is required in every auto policy at limits no lower than the 25/50/25 minimums (S.C. Code 38-77-150). |
| South Dakota | $25,000 | $50,000 | $25,000 | Uninsured motorist coverage is required in every policy (SDCL 58-11-9; III lists BI & PD liability, UM, UIM). No PIP required. |
| Tennessee | $25,000 | $50,000 | $25,000 | Property damage minimum rose from $15,000 to $25,000 for proof required after Dec. 31, 2022 (25/50/25 now; a $65,000 combined single limit is also allowed). III's required-coverage list shows only BI & PD liability (no UM or PIP); UM offer/rejection rules were not checked. III's table (25/50/15) is out of date for PD. |
| Texas | $30,000 | $60,000 | $25,000 | Effective January 1, 2011 (30/60/25). Insurers must include uninsured/underinsured motorist coverage in every auto liability policy unless a named insured rejects it in writing (Ins. Code 1952.101); III's required-coverage list shows only BI & PD liability. PIP offer rules were not checked. |
| Utah | $30,000 | $65,000 | $25,000 | Applies to policies issued or renewed on or after January 1, 2025 (a $90,000 combined single limit is also allowed). Policies issued or renewed on or before December 31, 2024 were 25/65/15. PIP ($3,000 minimum) is also required (31A-22-307). III's required-coverage list shows BI & PD liability and PIP (no UM); UM offer rules were not checked. III's limits (25/65/15) are out of date. |
| Vermont | $25,000 | $50,000 | $10,000 | Uninsured/underinsured/unknown motorist coverage must be included in every policy (23 V.S.A. 941; III lists BI & PD liability, UM, UIM). No PIP required. Self-insurance alternative: $115,000. Subsection (a) is shown twice on the legislature's page (current and contingently amended) with the same limits. |
| Virginia | $50,000 | $100,000 | $25,000 | For policies effective on or after January 1, 2025 (50/100/25). Policies effective 2022-01-01 through 2024-12-31 were 30/60/20. Insurance is now mandatory for every registered vehicle (the uninsured-motor-vehicle fee option ended July 1, 2024). Uninsured/underinsured motorist coverage must be included at limits equal to the liability limits, though additional UM above the minimum can be rejected (38.2-2206). III's table (30/60/20) is out of date. |
| Washington | $25,000 | $50,000 | $10,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP); UM/PIP offer and rejection rules were not checked. |
| West Virginia | $25,000 | $50,000 | $25,000 | Uninsured motorist coverage is required in every policy at no less than these limits (W. Va. Code 33-6-31(b); III lists BI & PD liability, UM). No PIP required. |
| Wisconsin | $25,000 | $50,000 | $10,000 | Wisconsin also requires uninsured motorist coverage of at least $25,000/$50,000 and medical payments coverage of at least $1,000 per person in every auto liability policy (Wis. Stat. 632.32(4)). The limits are stated in the definition of proof of financial responsibility (344.01(2)(d)), which is the standard for the mandatory policy under 344.62. |
| Wyoming | $25,000 | $50,000 | $20,000 | III's required-coverage list shows only BI & PD liability (no UM or PIP/MedPay); UM offer/rejection rules were not checked. |
Serious injuries often cost more than these limits. Your own uninsured/underinsured motorist coverage, where you have it, can pay the difference.