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Auto insurance requirements by state

The auto insurance a state requires you to carry, shown only for states where the requirement has been researched and sourced, with the source and the date attached to each one.

What it needs from you: Your state
What you get back: What that state requires, quoted from the state itself

A minimum is not a recommendation

What a state requires is the least you are allowed to carry, not an amount anyone says is adequate. A claim larger than your limit is your problem, and injury claims routinely exceed the legal minimums.

The auto insurance section explains what each of the required coverages does, which is worth reading before you act on a number.

Choose a state

Pick a state above and what it requires appears here, every figure quoted from the state's own publication with a link to it and the date we last checked.

Methodology

How this tool works, and what it will not tell you

This tool does no arithmetic. It reads requirement records out of the database and prints them with the source they came from and the date that source was last checked. The state selector is built from the records themselves, so a state appears in it only when there is a sourced requirement to show you. There is no fallback table and no default set of limits anywhere in this tool. A state we have not researched is simply absent, which is less useful and more honest than a number we could not stand behind. What a state requires is a matter of statute, and the authority on it is the state itself: its department of insurance, its motor vehicle agency or its published code.

Assumptions

Requirements are read from stored claims, each one joined to a source. Nothing is inferred and nothing is interpolated between states.
Where a record carries an effective date, that date is shown, because a requirement can change on a date that has not arrived yet.

Limitations

A legal minimum is the least you may carry, not an amount anyone should treat as adequate. A liability claim above your limit is your problem, not the insurer's.
This is not legal advice and it is not a substitute for your state's own published requirements.
Requirements change by legislation. A record here is only as current as the date shown next to it.
Special situations are not covered: SR-22 and other filings after a violation, commercial vehicles, rideshare and delivery driving, and the rules that apply when you move between states.

This tool cites no outside source, because it adds up the numbers you type and nothing else. Where a figure comes from somewhere, the figure carries the citation.

Tool last reviewed 2026-09-30