What Are the Minimum Car Insurance Requirements by State?
In a Nutshell: Every state except New Hampshire and Virginia requires drivers to carry minimum liability insurance. Limits vary from 15/30/5 (California) to 50/100/25 (Alaska, Maine). Some states also require PIP, MedPay, or uninsured motorist coverage. State minimums are typically far below what you need for adequate protection.
Quick Reference: Minimum Liability by State
| Limit Tier | States | BI/Person | BI/Accident | PD/Accident |
|---|---|---|---|---|
| Lowest | California, Pennsylvania | $15,000 | $30,000 | $5,000 |
| Standard | Most states | $25,000 | $50,000 | $10,000–$25,000 |
| Higher | Alaska, Maine, Michigan, Texas | $30,000–$50,000 | $60,000–$100,000 | $25,000 |
Key Takeaways
- Minimum requirements vary dramatically by state (15/30/5 to 50/100/25)
- Most state minimums are far too low — carry higher limits for proper protection
- 20+ states require uninsured motorist coverage
- Only CA, MA, MI, NY require PIP or MedPay
- Always carry more than state minimum — $5,000 PD won't cover a modern car
Last updated: July 2026
Disclaimer: This article provides general information about minimum car insurance requirements. State laws are subject to change. Always verify current requirements with your state's DMV or insurance department.