Car insurance minimum requirements by state vary significantly, since each state sets its own rules for liability coverage, personal injury protection (PIP), and uninsured motorist coverage. Use this guide to see the minimum liability coverage, PIP, and uninsured motorist requirements for all 50 states. Select a linked state below for a detailed breakdown, current rates, and to connect with a licensed agent.
Understanding Car Insurance Minimum Requirements by State
Liability minimums are usually written as three numbers, such as 25/50/25 — representing bodily injury coverage per person, bodily injury coverage per accident, and property damage coverage, all in thousands of dollars. Some states, like Florida, use a no-fault system built around personal injury protection instead of the standard three-number format. Others, including Maryland and Arkansas, require both PIP and uninsured motorist coverage, while states like Louisiana require neither beyond the base liability limits.
According to the National Association of Insurance Commissioners, every state sets its own baseline requirements through its state insurance department, and those requirements can change from year to year. Car insurance minimum requirements by state are just the legal floor — many drivers choose additional coverage like comprehensive or collision insurance for better protection, especially on newer or financed vehicles.
| State | Liability Minimums | PIP Required? | UM Required? |
|---|---|---|---|
| Arkansas | 25/50/25 | Required unless declined | Required unless declined |
| Colorado | 25/50/15 | Not required | Must be offered |
| Florida | $10k PIP + $10k PD | $10,000 | Not required |
| Idaho | 25/50/15 | Not required | Must be offered |
| Illinois | 25/50/20 | Not required | Required |
| Iowa | 20/40/15 | Not required | Must be offered |
| Louisiana | 15/30/25 | Not required | Not required |
| Maryland | 30/60/15 | Required | Required |
| Mississippi | 25/50/25 | Not required | Must be offered |
| Nebraska | 25/50/25 | Not required | Required |
| Oregon | 25/50/20 | Required | Required |
| South Dakota | 25/50/25 | Not required | Required |
| Tennessee | 25/50/25 | Not required | Not required |
| West Virginia | 25/50/25 | Not required | Required |
Why Minimum Coverage Isn’t Always Enough
State minimums are the legal floor, not necessarily adequate protection. Many drivers choose higher liability limits, comprehensive, and collision coverage to protect their finances in a serious accident. Call to speak with a licensed agent about coverage options that fit your budget and driving needs.
Use the table above to compare car insurance minimum requirements by state, then select your state for a full breakdown of average rates and how to connect with a licensed agent through Auto Quote Hotline.