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Minimum Car Insurance Requirements for Each State

Each state requires a minimum amount of liability coverage when you get car insurance.

These minimum limits are presented as a series of 3 numbers: 20/40/10

The first number refers to the amount of coverage for injuries caused to one person ($20,000 in the example above). The middle number is the maximum payout if there are multiple people injured ($40,000), and the last number refers to coverage for property damage ($10,000).

In the listing below, we have provided a link to each state's department of insurance - where you can get information such as consumer complaints against insurance companies.

ALABAMA DEPARTMENT of INSURANCE
135 South Union Street #200
Montgomery, Alabama 36130
(334) 269-3550
Minimum Limits 20/40/10
ALASKA DIVISION of INSURANCE
333 Willoughby Ave 9th Floor
Juneau, Alaska 99811-0805
(907) 465-2515
(907) 465-3422 (Fax)
Minimum Limits 50/100/25
ARIZONA DEPARTMENT of INSURANCE
2910 North 44th Street #210
Phoenix, Arizona 85018
(800) 325-2548 (In State)
(602) 912-8444
Minimum Limits 15/30/10
ARKANSAS DEPARTMENT of INSURANCE
1200 West 3rd Street
Little Rock, Arkansas 72201-1904
(501) 371-2600
Minimum Limits 25/50/15
CALIFORNIA DEPT. of INSURANCE
300 Capital Mall # 1700
Sacramento, California 95814
(800) 927-HELP (In State)
(213) 897-8921
Minimum Limits 15/30/5
COLORADO DIVISION of INSURANCE
1560 Broadway # 850
Denver, Colorado 80202
(303) 894-7499
Minimum Limits 25/50/15
CONNECTICUT DEPT. of INSURANCE
P.O. Box 816
Hartford, Connecticut 06412-0816
(860) 297-3909
Minimum Limits 20/40/10
DELAWARE DEPT. of INSURANCE
710 North King Street
Wilmington, Delaware 19801
(302) 577-3119
Minimum Limits 15/30/10
DISTRICT OF COLUMBIA DEPT. of INSURANCE
441 Fourth Street NW 8th Floor
Washington D.C. 20001
(202) 727-8000
Minimum Limits 25/50/10
FLORIDA DEPARTMENT of INSURANCE
200 East Gaines St., Larson Building
Tallahassee, FL 32399
Toll-free in state: (800) 342-2762
(850) 922-3100
Minimum Limits 10/20/10
GEORGIA INS. FIRE SAFETY COMM.
2 Martin L. King Jr. Drive (704 West Tower)
Atlanta, Georgia 30334
(404) 656-2056
Minimum Limits 25/50/25
HAWAII INSURANCE COMMISSIONER
250 South King Street 5th Floor
Honolulu, Hawaii 96813
(808) 586-2790
Minimum Limits 15/35/10
IDAHO DEPARTMENT of INSURANCE
700 West State Street 3rd Floor
Boise, Idaho 83720-0043
(208) 334-4250
Minimum Limits 25/50/15
ILLINOIS DEPARTMENT of INSURANCE
320 West Washington Street 4th Floor
Springfield, Illinois 62767-0001
(217) 782-4515
Minimum Limits 20/40/15
INDIANA DEPARTMENT of INSURANCE
311 West Washington Street # 300
Indianapolis, Indiana 46204-2787
(317) 232-2385
Minimum Limits 25/50/10
IOWA INSURANCE DIVISION
Lucas Bldg. 6th Floor
Des Moines, Iowa 50319
(515) 281-5705
Minimum Limits 20/40/15
KANSAS INSURANCE DEPARTMENT
420 S/W Ninth Street
Topeka, Kansas 66612-1678
(800) 432-2484 (In State)
(785) 296-3071
(785) 296-2283 (Fax)
Minimum Limits 25/50/10
KENTUCKY DEPARTMENT of INSURANCE
215 West Main Street
Frankfort, Kentucky 40601
(800) 595-6053 (In State)
(502) 564-3630
(502) 564-1650 (Fax)
Minimum Limits 25/50/10
LOUISIANA DEPARTMENT of INSURANCE
950 North Fifth Street
Baton Rouge, Louisiana 70804-9214
(800) 259-5300 (In State)
(800) 259-5301 (In State)
(504) 342-5900
Minimum Limits 10/20/10
MAINE BUREAU of INSURANCE
34 State House Station
Augusta, Maine 04333
(207) 624-8475
(207) 624-8599 (Fax)
Minimum Limits 20/40/10
MARYLAND INSURANCE ADMININTRATION
501 St.Paul Place 7th Floor
South Baltimore, Maryland 21202-2272
(410) 468-2244
(410) 333-6650 (Fax)
Minimum Limits 20/40/10
MASSACHUSETTS DIVISION of INSURANCE
1000 Washington Street # 810
Boston, Massachusetts 02118-6200
(617) 521-7794
(617) 521-7772
Minimum Limits 20/40/8
MICHIGAN INSURANCE BUREAU
611 West Ottawa Street 2nd Floor North
Lansing, Michigan 48933
(517) 373-0220 (Voice)
(517) 335-4978 (Fax)
Minimum Limits 20/40/10
MINNESOTA DIVISION of INSURANCE
85 Seventh Place East, Suite 500
St. Paul, Minnesota 55101
(800) 657-3602 (in state)
(651) 296-2488 (Local)
(651) 296-4328 (Fax)
Minimum Limits 30/60/10
MISSISSIPPI INSURANCE DEPARTMENT
1804 Walter Sillers Bldg.
Jackson, Mississippi 39201
(800) 562-2957 (In State)
(601) 359-3569
(601) 359-2474 (Fax)
Minimum Limits 10/20/5
MISSOURI DEPARTMENT of INSURANCE
P.O. Box 690
Jefferson City, Missouri 65102-0690
(800) 726-7390 (In State)
(573) 751-2640
Minimum Limits 25/50/10
MONTANA DEPARTMENT of INSURANCE
126 North Sanders Rm. 270
Helena, Montana 59620
(406) 444-2040
(406) 444-3497 (Fax)
Minimum Limits 25/50/10
NEBRASKA DEPARTMENT of INSURANCE
941 'O' Street # 400
Lincoln, Nebraska 68508-3690
(800) 833-0920 (In State)
(402) 471-2201
Minimum Limits 25/50/25
NEVADA DEPARTMENT of INSURANCE
788 Fairview Drive, Suite 300
Carson City, Nevada 89701
(800) 992-0900 (In State)
(775) 687-4270
(775) 687-3937 (Fax)
Minimum Limits 15/30/10
NEW HAMPSHIRE INSURANCE DEPT.
169 Manchester Street #1
Concord, New Hampshire 03301-5151
(603) 271-2261
Minimum Limits 25/50/25
NEW JERSEY DEPT. of BANKING INSURANCE
P.O. Box 325
Trenton, New Jersey 08625-0325
(609) 292-5316
(609) 984-5273 (Fax)
Minimum Limits 15/30/5
NEW MEXICO INSURANCE DIVISION
P.O. Drawer 1269
Santa Fe, New Mexico 87504-1269
(505) 827-4601
(505) 827-4734 (Fax)
Minimum Limits 25/50/10
NEW YORK DEPT. of INSURANCE
Empire State Plaza, Agency
Bldg. # 1
Albany, New York 12257
(800) 342-3736 (In State)
(518) 474-6600
Minimum Limits 25/50/10
(50/100 for death)
NORTH CAROLINA DEPT. of INSURANCE
P.O. Box 26387
Raleigh, North Carolina 27611
(800) 546-5664 (In State)
(919) 733-7343
Minimum Limits 30/60/25
NORTH DAKOTA DEPT. of INSURANCE
600 East Blvd.
Bismarck, North Dakota 58505-0320
(701) 328-2440
(701) 327-4880 (Fax)
Minimum Limits 25/50/25
OHIO DEPARTMENT of INSURANCE
2100 Stella Court
Columbus, Ohio 43215-1067
(614) 644-2658
(614) 644-3743
Minimum Limits 12.5/25/7.5
OKLAHOMA DEPT. of INSURANCE
2401 NW 23rd Street, Suite 28
Oklahoma City, Oklahoma 73107
(405) 521-2828
(405) 521-6635 (Fax)
Minimum Limits 10/20/10
OREGON DEPT. of COMMERCE & BUSINESS INS. DIV.
350 Winter Street N.E. Room 200
Salem, Oregon 97310-0200
(503) 947-7980
(503) 378-4351
Minimum Limits 25/50/10
PENNSYLVANIA DEPT. of INSURANCE
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
(717) 787-2317
(717) 783-8585 (Fax)
Minimum Limits 15/30/5
RHODE ISLAND INSURANCE DEPARTMENT
233 Richmond Street #233
Providence, Rhode Island 02903-4233
(401) 222-2223
(401) 751-4887
Minimum Limits 25/50/25
SOUTH CAROLINA DEPT. of INSURANCE
P.O. Box 100105
Columbia, South Carolina 29202-3105
(803) 737-6150
(803) 737-6231 (Fax)
Minimum Limits 15/30/5
SOUTH DAKOTA INSURANCE DIVISION
445 E. Capital Avenue
Pierre, South Dakota 57501
(605) 773-3563
(605) 773-5369 (Fax)
Minimum Limits 25/50/25
TENNESSEE DEPT. OF COMMERCE& INSURANCE
500 James Robertson Pkwy.
Nashville, Tennessee 37243-0565
(615) 741-2176
(615) 741-4000 (Fax)
Minimum Limits 20/50/10
TEXAS DEPARTMENT of INSURANCE
P.O. Box 149104
Austin, Texas 78714-9104
(512) 463-6464
(512) 475-2005 (Fax)
Minimum Limits 20/40/15
UTAH INSURANCE DEPARTMENT
3110 State Office Bldg.
Salt Lake City, Utah 84114
(800) 439-3805 (In State)
(801) 538-3800
(801) 538-3829 (Fax)
Minimum Limits 25/50/15
VERMONT INSURANCE DIVISION
89 Main Street - Drawer 20
Montpelier, Vermont 05620-3101
(802) 828-3301
(802) 828-3306
Minimum Limits 20/40/10
VIRGINIA BUREAU of INSURANCE
P.O. Box 1157
Richmond, Virginia 23218
(800) 552-7945 (In State)
(804) 371-9741
(804) 371-9873 (Fax)
Minimum Limits 25/50/20
WASHINGTON INSURANCE COMMISSION
P.O. Box 40255
Olympia, Washington 98504-0255
(800) 562-6900 (In State)
(360) 753-7301
(360) 586-3535 (Fax)
Minimum Limits 25/50/10
WEST VIRGINIA INSURANCE DEPT.
P. O. Box 50540
Charleston, West Virginia 25305-0540
(304) 558-3354
(304) 558-0412 (Fax)
Minimum Limits 20/40/10
WISCONSIN INSURANCE COMMISSION
125 South Webster Street
Madison, Wisconsin 53703-3474
(608) 266-3585 (Madison)
(800) 236-8517 (In State)
(608) 266-9935 (Fax)
Minimum Limits 25/50/10
WYOMING INSURANCE DEPT.
122 West 25th Street, 3rd Floor East
Cheyenne, Wyoming 82002-0440
(307) 777-7401
Minimum Limits 25/50/20
 

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TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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