Every state has different auto insurance requirements. The minimum liability car insurance requirement is the amount of auto insurance coverage that each driver must carry to comply with the law in their area.

In this guide, we will discuss the auto insurance requirements by state and the average rates by top insurance companies.

Key Highlights
  • Auto insurance requirements vary by state but every state requires you to have a minimum level of liability coverage.
  • Liability coverage protects you from being sued if an accident that was your fault causes harm to another person or their property.
  • Liability insurance doesn't cover your own injuries or damage to your own property.
  • Some states require you to have other coverages besides liability. These may include uninsured motorist coverage (UM) and underinsured motorist coverage (UIM), personal injury protection (PIP).

What is state minimum car insurance?

State minimum car insurance is a minimum amount of liability coverage that your state requires you to have. But the specific coverage amount varies by state.

It covers the bodily injury and property damage you cause to others in an accident, but it won't pay for the damages to your car and your injuries. If you need complete protection you should opt for full coverage.

Liability car insurance

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:

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

Minimum liability car insurance requirements by state
State Minimum Car Insurance Limits
AlabamaLiability: 25/50/25
AlaskaLiability: 50/100/25
ArizonaLiability: 25/50/15
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 ColumbiaLiability: 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

GeorgiaLiability: 25/50/25
HawaiiLiability: 20/40/10
PIP or PPO: $10,000
IdahoLiability: 25/50/15
IllinoisLiability: 25/50/20
UM BI: 25/50
IndianaLiability: 25/50/25
IowaLiability: 20/40/15
KansasLiability: 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
MarylandLiability: 30/60/15
UM/UIM BI: 30/60
UMPD: $15,000
PIP $2,500
MassachusettsLiability: 20/40/5
UM/UIM BI: 20/40
PIP: $8,000
MichiganLiability: 50/100/10
PIP: 6 choices from $50,000 to unlimited medical
PPI: $1,000,000
MinnesotaLiability: 30/60/10
UM/UIM BI: 25/50
PIP: $40,000
MississippiLiability: 25/50/25
MissouriLiability: 25/50/10
UM BI: 25/50
MontanaLiability: 25/50/20
NebraskaLiability: 25/50/25
UM/UIM BI: 25/50
NevadaLiability: 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 JerseyLiability: 15/30/5 (standard policy)
UM/UIM BI: 15/30
UMPD: $5,000
PIP: $15,000
New MexicoLiability: 25/50/10
New YorkLiability: 25/50/10
UM BI: 25/50
PIP: $50,000
North CarolinaLiability: 30/60/25
UM BI: 30/60
UMPD: $25,000
North DakotaLiability: 25/50/25
UM/UIM BI: 25/50
PIP: $30,000
OhioLiability: 25/50/25
OklahomaLiability: 25/50/25
OregonLiability: 25/50/20
UM BI: 25/50
PIP: $15,000
PennsylvaniaLiability: 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 DakotaLiability: 25/50/25
UM/UIM BI: 25/50
TennesseeLiability: 25/50/15
TexasLiability: 30/60/25
UtahLiability: 25/65/15
PIP: $3,000
VermontLiability: 25/50/10
UM/UIM BI: 50/100
UMPD: $10,000
VirginiaLiability: 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.

Minimum liability car insurance cost
State Average rate Highes rate Lowest rate $ difference between highest/lowest rate
Alaska$412$1,018$203$815
Alabama$498$880$252$628
Arkansas$449$856$224$632
Arizona$578$1,353$227$1,126
California$606$1,468$196$1,272
Colorado$553$1,040$249$791
Connecticut$891$1,785$267$1,518
DC$839$1,312$386$926
Delaware$843$1,597$475$1,122
Florida$828$2,571$259$2,312
Georgia$684$1,816$329$1,487
Hawaii$485$763$220$543
Iowa$326$576$160$416
Idaho$377$716$186$530
Illinois$493$1,310$226$1,084
Indiana$430$786$228$558
Kansas$464$977$199$778
Kentucky$669$1,713$216$1,497
Louisiana$771$2,294$322$1,972
Massachusetts$520$1,383$176$1,207
Maryland$853$2,383$390$1,993
Maine$355$594$165$429
Michigan$1,855$9,253$489$8,764
Minnesota$614$1,565$300$1,265
Missouri$546$1,171$212$959
Mississippi$413$699$208$491
Montana$447$766$171$595
North Carolina$438$1,130$233$897
North Dakota$423$660$254$406
Nebraska$393$1,107$171$936
New Hampshire$424$981$212$769
New Jersey$846$2,338$379$1,959
New Mexico$479$861$216$645
Nevada$717$1,506$305$1,201
New York$867$4,592$272$4,320
Ohio$406$797$189$608
Oklahoma$418$788$205$583
Oregon$674$1,744$343$1,401
Pennsylvania$502$1,920$213$1,707
Rhode Island$738$1,761$248$1,513
South Carolina$617$1,248$291$957
South Dakota$323$607$165$442
Tennessee$462$1,179$202$977
Texas$538$1,112$226$886
Utah$565$1,062$261$801
Virginia$380$670$215$455
Vermont$398$700$204$496
Washington$537$1,217$224$993
Wisconsin$401$1,059$176$883
West Virginia$541$1,223$267$956
Wyoming$328$651$175$476

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2018 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.

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.

Average rates of minimum liability insurance by company
Company Name Liability Only - State Minimum
Concord$290
Progressive$315
Geico$318
North Carolina Farm Bureau$332
Metropolitan$342
USAA$358
Mississippi Farm Bureau$376
MMG$402
Owners$404
Farmers$405
Erie$414
Texas Farm Bureau$414
Kentucky Farm Bureau$422
Safety Insurance$435
Depositors$476
State Farm$484
AAA Texas County$493
Arbella$493
United Financial$499
Oklahoma Farm Bureau$509
Liberty Mutual$534
Mid Century$553
Allstate$555
Nationwide$573
Farmers Ins Co Inc$588
Travelers$599
New Jersey Manufacturers$660
Amco$687
Louisiana Farm Bureau$698
Amica$703
Geico Ind Co$704
Colonial$735
New York Central$757
Victoria$803
Safeco$840
Allied$1,111
Safeway$1,237
Foremost$1,417

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:

  1. Geico $338
  2. State Farm $454
  3. Nationwide $523
  4. Progressive $552
  5. Farmers $659
  6. Allstate $667

Which are the states that don't require car insurance?

New Hampshire and Virginia are the two states that don't require car insurance.

Driving without car insurance is legal in New Hampshire, but drivers may still be held liable for damages they cause to others and can expect their licenses and registrations to be suspended if they are unable to compensate for damages.

Virginia drivers who want to avoid getting car insurance can do so by paying a specific amount every year to the state, but this doesn't provide any accident coverage to them. The at-fault driver still remains liable for any damages they cause during an accident.