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Minimum Car Insurance Requirements by State
Every state sets its own minimum auto liability limits, and those minimums are rarely enough to cover a serious injury. Look up the required bodily injury, property damage, UM/UIM, and PIP coverage for any state — then check whether the at-fault driver is likely underinsured.
Minimum coverage by state
Select a state for a plain-English summary and the required limits, or scan the full, sortable table of all 50 states and DC below.
Data under review
38 of 51 jurisdictions are fully verified. Rows still under review are listed with a caveat, but their specific deadline/rule/limit values are withheld (shown as “—”) until a final source check.
Texas
Texas requires 30/60/25 liability coverage and is an at-fault state.
Source: Tex. Dept. of Insurance / Tex. Transp. Code § 601
Bodily injury / person
$30,000
Bodily injury / accident
$60,000
Property damage
$25,000
UM / UIM
must be offered
PIP / no-fault
must be offered
All states & DC
Showing 51 of 51
| Alabama | $25,000 | $50,000 | $25,000 | optional | not required | At-fault (tort) |
|---|---|---|---|---|---|---|
| Alaska | $50,000 | $100,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Arizona | $25,000 | $50,000 | $15,000 | must be offered | not required | At-fault (tort) |
| Arkansas | $25,000 | $50,000 | $25,000 | must be offered | must be offered | Add-on PIP |
| Californiaunder review | — | — | — | — | — | — |
| Colorado | $25,000 | $50,000 | $15,000 | must be offered | not required | At-fault (tort) |
| Connecticut | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| Delaware | $25,000 | $50,000 | $10,000 | must be offered | required | Add-on PIP |
| District of Columbiaunder review | — | — | — | — | — | — |
| Floridaunder review | — | — | — | — | — | — |
| Georgia | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Hawaii | $20,000 | $40,000 | $10,000 | must be offered | required ($10k) | No-fault (PIP) |
| Idaho | $25,000 | $50,000 | $15,000 | optional | not required | At-fault (tort) |
| Illinois | $25,000 | $50,000 | $20,000 | required | not required | At-fault (tort) |
| Indiana | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Iowa | $20,000 | $40,000 | $15,000 | must be offered | not required | At-fault (tort) |
| Kansas | $25,000 | $50,000 | $25,000 | required | required | No-fault (PIP) |
| Kentuckyunder review | — | — | — | — | — | — |
| Louisiana | $15,000 | $30,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Maineunder review | — | — | — | — | — | — |
| Maryland | $30,000 | $60,000 | $15,000 | required | required (can waive) | Add-on PIP |
| Massachusettsunder review | — | — | — | — | — | — |
| Michiganunder review | — | — | — | — | — | — |
| Minnesota | $30,000 | $60,000 | $10,000 | required | required ($40k) | No-fault (PIP) |
| Mississippi | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Missouri | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| Montana | $25,000 | $50,000 | $20,000 | must be offered | not required | At-fault (tort) |
| Nebraska | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| Nevada | $25,000 | $50,000 | $20,000 | must be offered | not required | At-fault (tort) |
| New Hampshireunder review | — | — | — | — | — | — |
| New Jerseyunder review | — | — | — | — | — | — |
| New Mexico | $25,000 | $50,000 | $10,000 | must be offered | not required | At-fault (tort) |
| New York | $25,000 | $50,000 | $10,000 | required | required ($50k) | No-fault (PIP) |
| North Carolinaunder review | — | — | — | — | — | — |
| North Dakota | $25,000 | $50,000 | $25,000 | required | required ($30k) | No-fault (PIP) |
| Ohio | $25,000 | $50,000 | $25,000 | optional | not required | At-fault (tort) |
| Oklahoma | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Oregon | $25,000 | $50,000 | $20,000 | required | required ($15k) | Add-on PIP |
| Pennsylvaniaunder review | — | — | — | — | — | — |
| Rhode Island | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| South Carolina | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| South Dakota | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| Tennessee | $25,000 | $50,000 | $25,000 | must be offered | not required | At-fault (tort) |
| Texas | $30,000 | $60,000 | $25,000 | must be offered | must be offered | At-fault (tort) |
| Utahunder review | — | — | — | — | — | — |
| Vermont | $25,000 | $50,000 | $10,000 | required | not required | At-fault (tort) |
| Virginiaunder review | — | — | — | — | — | — |
| Washington | $25,000 | $50,000 | $10,000 | must be offered | must be offered | At-fault (tort) |
| West Virginia | $25,000 | $50,000 | $25,000 | required | not required | At-fault (tort) |
| Wisconsin | $25,000 | $50,000 | $10,000 | required | not required | At-fault (tort) |
| Wyoming | $25,000 | $50,000 | $20,000 | optional | not required | At-fault (tort) |
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State minimums exist to keep drivers legal — not to make injured people whole.
A minimum bodily-injury limit can be consumed by a single ambulance ride and emergency-room visit. When the at-fault driver carries only the state minimum and your injuries are serious, the policy is often exhausted long before your medical bills are.
That gap is exactly what uninsured and underinsured motorist coverage is designed to fill. Knowing the at-fault driver's likely limits is the first step in figuring out whether your own coverage needs to step in.
Reading the table
Each row shows the state's required minimums and how the state handles fault.
Liability limits (bodily injury per person and per accident, plus property damage) are what the at-fault driver's policy pays toward your losses. UM/UIM indicates whether the state requires uninsured/underinsured coverage to be offered, and PIP shows whether no-fault medical coverage applies.
The full table renders every state in the page so it is easy to compare and reference. Values marked “under review” are being verified against each state's department of insurance before publication.
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Frequently Asked Questions
What does a number like 30/60/25 mean?
It is shorthand for liability limits: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage. The figures are the state minimum, not a recommended amount.
Are state minimums enough coverage?
Usually not. Minimum limits can be exhausted by a single emergency-room visit, which is why underinsured-motorist coverage and higher limits matter when injuries are serious.
What is UM/UIM coverage?
Uninsured (UM) and underinsured (UIM) motorist coverage pay when the at-fault driver has no insurance or not enough to cover your damages. Some states require it to be offered; rules vary.
What is PIP or no-fault coverage?
Personal Injury Protection (PIP) pays certain medical and wage-loss costs regardless of fault. No-fault states require it; at-fault (tort) states may offer it as an add-on.
How do I know if the other driver was underinsured?
Compare your damages to the at-fault driver's likely limits. If your losses exceed their coverage, your own UM/UIM may apply — the UM/UIM Gap Analyzer walks through that math.
Educational Use Disclaimer
This tool is an educational reference only and does not constitute legal or insurance advice. State minimums change and carriers apply their own rules; verify current requirements with your state's department of insurance or a licensed agent before relying on any figure. State values shown as “under review” are not yet published.
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