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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

3 Steps Every Car Buyer Needs to Take to Save Maximum Money

The key to getting the best deal is to gather price or lease bids from as many local dealers as possible. Then shop that best price around until no one can beat it. Here are the steps:

Step 1 Get Prices From My Trusted Network

Select the vehicle you're interested in to see if there are local dealers in my network who will provide you with their best upfront price. You will get direct access to an internet sales manager who you can further negotiate with online (no need to visit dealership).

Select Vehicle to Get Local Pricing

Step 2 Get Prices From TrueCar / CarsDirect

TrueCar, and CarsDirect are my top 2 online price quote recommendations. These services show you pre-negotiated prices from dealers closest to you - and the deals are usually pretty decent. But remember, you can still negotiate further.

Step 3 Complete my Checklist

Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...

Best Rebates, Incentives, and Lease Deals
Latest Car Buying Scams and Tricks
The Best & Worst Time to Buy a Car
Which Cars You Should Avoid

About The Author

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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