Minimum liability car insurance requirements by state | CarInsurance.com
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Minimum liability car insurance requirements by state


To drive legally in nearly every state you must carry liability car insurance. Liability coverage kicks in if you're at fault for an accident and you hurt someone or damage someone's property. It has two parts:

  • bodily injury liability (BI), which pays for injuries to others
  • property damage liability (PD), which pays for damage to someone else’s car or property

Each state requires you to have a minimum level of liability coverage, though you can buy more to ensure you’re fully protected if you cause an accident. In many cases, raising your liability limits is strongly encouraged. Liability insurance is commonly shown in the following format: 20/40/10. The first two numbers refer to bodily injury liability limits and the third number to property damage liability. In this example, 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage.

Liability insurance doesn't cover your own injuries or damage to your own property.

In some states, other coverages are required in addition to liability. These may include personal injury protection (PIP), uninsured motorist coverage (UM) and underinsured motorist coverage (UIM).

Minimum liability car insurance requirements by state

StateMinimum car insurance limits
AlabamaLiability: 25/50/25
AlaskaLiability: 50/100/25
ArizonaLiability: 15/30/10
ArkansasLiability: 25/50/25
CaliforniaLiability: 15/30/5
ColoradoLiability: 25/50/15
ConnecticutLiability: 25/50/25
UM/UIM BI: 20/40  
DelawareLiability: 25/50/10
PIP: 15/30
District of Columbia Liability: 25/50/10
UM BI: 25/50
UMPD: $5,000
Florida

Liability: 10/20/10
PIP: $10,000
BI liability not required by Florida but many carriers require 10/20

Georgia Liability: 25/50/25
Hawaii Liability: 20/40/10
PIP or PPO: $10,000
IdahoLiability: 25/50/15
Illinois Liability: 25/50/20
UM BI: 25/50
IndianaLiability: 25/50/10 ( effective July 1, 2018: 25/50/25)
IowaLiability: 20/40/15
Kansas  Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $4,500 medical/$900 work loss
KentuckyLiability: 25/50/25
PIP: $10,000  
LouisianaLiability: 15/30/25
MaineLiability: 50/100/25
UM/UIM BI: 50/100
Medical payments: $2,000
Maryland Liability: 30/60/15
UM/UIM BI: 30/60
UMPD: $15,000
PIP $2,500
Massachusetts Liability: 20/40/5
UM/UIM BI: 20/40
PIP: $8,000
MichiganLiability: 20/40/10
PIP: Medical and work loss
PPI: $1,000,000
Minnesota Liability: 30/60/10
UM/UIM BI: 25/50
PIP: $40,000
MississippiLiability: 25/50/25
Missouri Liability: 25/50/10
UM BI: 25/50
MontanaLiability: 25/50/20
Nebraska Liability: 25/50/25
UM/UIM BI: 25/50
NevadaLiability: 15/30/10 (effective July 1, 2018:25/50/20)
New Hampshire*Liability: 25/50/25
UM/UIM BI: 25/50
Medical payments: $1,000
*Insurance not mandatory in New Hampshire
New Jersey Liability: 15/30/5 (standard policy)
UM/UIM BI: 15/30
UMPD: $5,000
PIP: $15,000
New Mexico Liability: 25/50/10
New YorkLiability: 25/50/10
UM BI: 25/50
PIP: $50,000
North Carolina Liability: 30/60/25
UM BI: 30/60
UMPD: $25,000
North Dakota Liability: 25/50/25
UM/UIM BI: 25/50
PIP: $30,000
OhioLiability: 25/50/25
OklahomaLiability: 25/50/25
Oregon Liability: 25/50/20
UM BI: 25/50
PIP: $15,000
PennsylaniaLiability: 15/30/5
First party benefits (PIP): $5,000
Rhode IslandLiability: 25/50/25
South CarolinaLiability: 25/50/25
UM BI: 25/50
UMPD: $25,000
South Dakota Liability: 25/50/25
UM/UIM BI: 25/50
TennesseeLiability: 25/50/15
Texas Liability: 30/60/25
Utah Liability: 25/65/15
PIP: $3,000
Vermont Liability: 25/50/10
UM/UIM BI: 50/100
UMPD: $10,000
Virginia Liability: 25/50/20
UM/UIM BI: 25/50
UMPD: $20,000
WashingtonLiability: 25/50/10
West VirginiaLiability: 25/50/25
UM BI: 25/50
UMPD: $25,000
WisconsinLiability: 25/50/10
UM BI: 25/50
WyomingLiability: 25/50/20

Source: Property Casualty Insurers Association of America and Insurance Information Institute; state departments of insurance and motor vehicles.

Key to acronyms:

  • UM: Uninsured motorist coverage
  • UIM: Underinsured motorist coverage
  • UM BI: Uninsured motorist bodily injury coverage
  • UMPD: Uninsured motorist property damage coverage
  • PIP: Personal injury protection
  • PPI: Property protection insurance (applies only to Michigan)
  • BI liability: Bodily injury liability

How much does minimum liability car insurance cost?

Below you'll see average rates by state for minimum liability levels of coverage. Enter your state in the search field in the chart below to find out what you can expect to pay. Even with bare-bones coverage, you can still save on car insurance by comparing rates. The difference between the highest and lowest rate fielded from major insurers can vary by hundreds --sometimes thousands -- of dollars.

StateAverage annual rateHighest rateLowest rate
Alaska$318$699$188
Alabama$419$718$252
Arkansas$397$677$211
Arizona$496$893$249
California$491$1,364$133
Colorado$506$992$228
Connecticut$761$1,520$382
DC$745$953$344
Delaware$805$1,251$440
Florida$884$5,872$296
Georgia$532$1,275$204
Hawaii$555$862$230
Iowa$294$490$178
Idaho$319$572$194
Illinois$383$1,009$154
Indiana$400$834$259
Kansas$397$832$182
Kentucky$745$1,415$242
Louisiana$705$1,359$371
Massachusetts$539$1,598$199
Maryland$710$1,585$394
Maine$359$543$187
Michigan$2,012$18,841$425
Minnesota$579$1,502$306
Missouri$409$961$236
Mississippi$398$737$189
Montana$323$628$151
North Carolina$347$631$148
North Dakota$363$705$255
Nebraska$329$694$185
New Hampshire$485$1,176$208
New Jersey$677$1,367$292
New Mexico$424$800$244
Nevada$623$1,288$262
New York$812$4,682$242
Ohio$383$857$178
Oklahoma$444$859$231
Oregon$690$1,268$330
Pennsylvania$480$1,838$194
Rhode Island$751$1,820$332
South Carolina$484$739$293
South Dakota$267$445$154
Tennessee$404$912$194
Texas$465$1,042$243
Utah$531$896$287
Virginia$372$750$218
Vermont$337$471$157
Washington$466$959$227
Wisconsin$373$1,067$181
West Virginia$493$780$251
Wyoming$339$581$167

* Methodology:

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) for each state. Averages are based on insurance for a 40-year-old male who commutes 12 miles to work each day.

Minimum liability insurance: Average rates by company

To compare car insurance rates by company, below you'll see how major insurers rank on price for state minimum liability coverage. Enter your state in the search field to see rates for where you live.

StateCompany NameAverage annual rate
AlaskaGeico$270
AlaskaState Farm$277
AlaskaAllstate$312
AlaskaProgressive$413
AlabamaGeico$294
AlabamaFarmers$368
AlabamaNationwide $408
AlabamaProgressive$434
AlabamaState Farm$465
AlabamaAllstate$542
ArkansasGeico$255
ArkansasState Farm$299
ArkansasProgressive$354
ArkansasFarmers$381
ArkansasNationwide$499
ArkansasAllstate$593
ArizonaGeico$331
ArizonaState Farm$460
ArizonaProgressive$471
ArizonaAllstate$550
ArizonaFarmers$569
ArizonaNationwide$594
CaliforniaGeico$253
CaliforniaProgressive$441
CaliforniaAllstate$496
CaliforniaNationwide$575
CaliforniaState Farm$576
CaliforniaFarmers$604
ColoradoGeico$335
ColoradoState Farm$356
ColoradoFarmers$464
ColoradoProgressive$681
ColoradoAllstate$695
ConnecticutGeico$455
ConnecticutState Farm$603
ConnecticutNationwide$723
ConnecticutAllstate$892
ConnecticutProgressive$900
ConnecticutFarmers$996
DCGeico$344
DCState Farm$577
DCNationwide$908
DCAllstate$944
DCProgressive$951
DelawareGeico$530
DelawareProgressive$789
DelawareNationwide$790
DelawareState Farm$885
DelawareAllstate$1,032
FloridaGeico$422
FloridaProgressive$650
FloridaState Farm$719
FloridaAllstate$1,207
FloridaFarmers$1,421
GeorgiaGeico$265
GeorgiaNationwide$411
GeorgiaState Farm$535
GeorgiaProgressive $573
GeorgiaAllstate$875
HawaiiGeico$303
HawaiiState Farm$407
HawaiiAllstate$453
HawaiiFarmers $787
HawaiiProgressive$826
IowaNationwide$196
IowaState Farm$222
IowaGeico$235
IowaProgressive$307
IowaFarmers$369
IowaAllstate$435
IdahoGeico$235
IdahoProgressive$241
IdahoState Farm$244
IdahoFarmers$301
IdahoNationwide$380
IdahoAllstate$514
IllinoisState Farm$221
IllinoisGeico$288
IllinoisProgressive$356
IllinoisNationwide$360
IllinoisAllstate$474
IllinoisIllinois$596
IndianaGeico$294
IndianaIllinois$305
IndianaState Farm$345
IndianaNationwide$350
IndianaProgressive$414
IndianaAllstate$693
KansasGeico$228
KansasState Farm$307
KansasNationwide$341
KansasProgressive$455
KansasFarmers$478
KansasAllstate$572
KentuckyGeico$346
KentuckyState Farm$652
KentuckyNationwide$873
KentuckyProgressive$896
KentuckyAllstate$959
LouisianaGeico$525
LouisianaState Farm$614
LouisianaAllstate$796
LouisianaProgressive$885
MassachusettsState Farm$278
MassachusettsGeico$429
MassachusettsProgressive$694
MassachusettsAllstate$755
MarylandNationwide$596
MarylandState Farm$607
MarylandGeico$648
MarylandProgressive $720
MarylandAllstate$978
MaineGeico$225
MaineProgressive$345
MaineState Farm$370
MaineAllstate$497
MichiganGeico Ind Co$568
MichiganProgressive$1,094
MichiganNationwide$1,501
MichiganState Farm$1,824
MichiganAllstate$1,923
MichiganFarmers$5,162
MinnesotaGeico$368
MinnesotaState Farm$504
MinnesotaAllstate $560
MinnesotaIllinois $629
MinnesotaNationwide$655
MinnesotaProgressive $757
MissouriGeico$268
MissouriNationwide$346
MissouriState Farm$362
MissouriProgressive$390
MissouriFarmers$454
MissouriAllstate$636
MississippiGeico$241
MississippiProgressive$349
MississippiState Farm$356
MississippiNationwide$412
MississippiAllstate$630
MontanaGeico$170
MontanaState Farm$242
MontanaFarmers$311
MontanaProgressive$316
MontanaNationwide$345
MontanaAllstate$553
North CarolinaProgressive$245
North CarolinaState Farm$257
North CarolinaGeico$289
North CarolinaFarmers$394
North CarolinaNationwide$404
North CarolinaAllstate$413
North CarolinaNationwide$425
North DakotaState Farm$283
North DakotaNationwide$299
North DakotaGeico$312
North DakotaProgressive$361
North DakotaAllstate$415
North DakotaFarmers$505
NebraskaGeico$255
NebraskaState Farm$262
NebraskaNationwide$286
NebraskaProgressive$374
NebraskaFarmers$389
NebraskaAllstate$406
New HampshireGeico$231
New HampshireState Farm$378
New HampshireNationwide$481
New HampshireAllstate$556
New HampshireProgressive$777
New JerseyFarmers$443
New JerseyGeico$508
New JerseyProgressive$755
New JerseyAllstate$781
New JerseyState Farm$897
New MexicoGeico$273
New MexicoState Farm$347
New MexicoFarmers$387
New MexicoProgressive$431
New MexicoAllstate$684
NevadaNationwide$442
NevadaProgressive$531
NevadaState Farm$574
NevadaGeico$654
NevadaFarmers$662
NevadaAllstate$873
New YorkGeico$424
New YorkProgressive$530
New YorkState Farm$872
New YorkAllstate$903
New YorkNationwide$996
New YorkFarmers$1,150
OhioState Farm$264
OhioGeico$312
OhioProgressive$325
OhioFarmers$342
OhioAllstate$527
OhioNationwide$528
OklahomaGeico$325
OklahomaState Farm$331
OklahomaFarmers$377
OklahomaProgressive$532
OklahomaAllstate$655
OregonState Farm$476
OregonGeico$570
OregonFarmers $637
OregonNationwide$680
OregonProgressive$858
OregonAllstate$920
PennsylvaniaNationwide$266
PennsylvaniaGeico$288
PennsylvaniaState Farm$364
PennsylvaniaAllstate$676
PennsylvaniaProgressive$806
Rhode IslandState Farm$398
Rhode IslandGeico$607
Rhode IslandProgressive$799
Rhode IslandNationwide$879
Rhode IslandAllstate$1,070
South CarolinaGeico$368
South CarolinaAllstate$426
South CarolinaProgressive$477
South CarolinaState Farm$568
South CarolinaNationwide $579
South DakotaGeico$166
South DakotaProgressive$173
South DakotaState Farm$236
South DakotaFarmers$291
South DakotaNationwide$309
South DakotaAllstate$425
TennesseeGeico$251
TennesseeNationwide$308
TennesseeState Farm$329
TennesseeProgressive $333
TennesseeFarmers$526
TennesseeAllstate$676
TexasGeico$348
TexasFarmers $370
TexasState Farm$438
TexasAllstate$475
TexasNationwide$527
TexasProgressive $629
UtahGeico$318
UtahFarmers$477
UtahNationwide$549
UtahState Farm$611
UtahProgressive$613
UtahAllstate$618
VirginiaState Farm$320
VirginiaGeico$326
VirginiaAllstate$326
VirginiaNationwide$398
VirginiaProgressive $487
VermontGeico$168
VermontAllstate$302
VermontNationwide$360
VermontState Farm$419
VermontProgressive$436
WashingtonGeico$337
WashingtonState Farm$351
WashingtonFarmers$468
WashingtonNationwide$469
WashingtonProgressive$485
WashingtonAllstate$684
WisconsinGeico$237
WisconsinState Farm$263
WisconsinProgressive$331
WisconsinFarmers$415
WisconsinNationwide$482
WisconsinAllstate$510
West VirginiaGeico$374
West VirginiaState Farm$374
West VirginiaNationwide$510
West VirginiaAllstate$578
West VirginiaProgressive$628
WyomingGeico$174
WyomingState Farm$235
WyomingFarmers$389
WyomingAllstate$558

As you can see, among top insurers from whom rates were commissioned, Geico is the cheapest car insurance company in the nation's capital and every state, except the following, for state minimum liability coverage:

  • Iowa
  • Illinois
  • Massachusetts
  • Maryland
  • North Carolina
  • North Dakota
  • New Jersey
  • Nevada
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Virginia

Here are nationwide average car insurance rates by company for state required minimum liability coverage:

  • Geico -- $338
  • State Farm -- $454
  • Nationwide -- $523
  • Progressive -- $552
  • Farmers -- $659
  • Allstate -- $667

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2 Responses to "Minimum liability car insurance requirements by state"
  1. Maureen

    Why do I need to pay for PIP? I'm 69 years old, I have NO dependents; I'm retired. I have 2 life insurance policies, health insurance, etc. The cost of PIP is very expensive for me on a limited budget.

      Reply»  
    1. tsantana April 11, 2017 at 9:15 AM

      PIP is what will pay YOUR medical bills if you are in an accident. They will be your primary and your private health insurance will be your secondary to pay what the PIP did not pay. PIP and Private health insurance pay 80% of the bill, 20% is your responsibility. If you live in a state that does NOT require BI-bodily injury, than you can take it off... but if you hit someone and its your fault, wouldn't you want to take some responsibility?

        Reply »  
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