Find the Best Car Deals Near You ⤵

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.

State	Department of Insurance	Minimum Limits
Alabama	Alabama Dept. of Insurance	25/50/25
Alaska	Alaska Division of Insurance	50/100/25
Arizona	Arizona Dept. of Insurance	25/50/15
Arkansas	Arkansas Insurance Dept.	25/50/25
California	California Dept. of Insurance	15/30/5
Colorado	Colorado Division of Insurance	25/50/15
Connecticut	Connecticut Insurance Dept.	25/50/25
Delaware	Delaware Dept. of Insurance	25/50/10
District of Columbia	DC Dept. of Insurance	25/50/10
Florida	Florida Office of Insurance	10/20/10
Georgia	Georgia Office of Insurance	25/50/25
Hawaii	Hawaii Insurance Division	20/40/10
Idaho	Idaho Dept. of Insurance	25/50/15
Illinois	Illinois Dept. of Insurance	25/50/20
Indiana	Indiana Dept. of Insurance	25/50/25
Iowa	Iowa Insurance Division	20/40/15
Kansas	Kansas Insurance Dept.	25/50/25
Kentucky	Kentucky Dept. of Insurance	25/50/25
Louisiana	Louisiana Dept. of Insurance	15/30/25
Maine	Maine Bureau of Insurance	50/100/25
Maryland	Maryland Insurance Admin.	30/60/15
Massachusetts	Massachusetts Div. of Insurance	20/40/5
Michigan	Michigan DIFS	50/100/10
Minnesota	Minnesota Dept. of Commerce	30/60/10
Mississippi	Mississippi Insurance Dept.	25/50/25
Missouri	Missouri Dept. of Commerce	25/50/25
Montana	Montana CSI	25/50/20
Nebraska	Nebraska Dept. of Insurance	25/50/25
Nevada	Nevada Division of Insurance	25/50/20
New Hampshire	New Hampshire Insurance Dept.	25/50/25
New Jersey	New Jersey DOBI	15/30/5
New Mexico	New Mexico OSI	25/50/10
New York	New York DFS	25/50/10
North Carolina	North Carolina DOI	30/60/25
North Dakota	North Dakota Insurance Dept.	25/50/25
Ohio	Ohio Dept. of Insurance	25/50/25
Oklahoma	Oklahoma Insurance Dept.	25/50/25
Oregon	Oregon DFR	25/50/20
Pennsylvania	Pennsylvania Insurance Dept.	15/30/5
Rhode Island	Rhode Island DBR	25/50/25
South Carolina	South Carolina DOI	25/50/25
South Dakota	South Dakota Div. of Insurance	25/50/25
Tennessee	Tennessee Dept. of Commerce	25/50/15
Texas	Texas Dept. of Insurance	30/60/25
Utah	Utah Insurance Dept.	25/65/15
Vermont	Vermont DFR	25/50/10
Virginia	Virginia Bureau of Insurance	30/60/20
Washington	Washington OIC	25/50/10
West Virginia	West Virginia Offices of Insurance	25/50/25
Wisconsin	Wisconsin OCI	25/50/10
Wyoming	Wyoming Dept. of Insurance	25/50/20

Last reviewed: January 2026

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.

Got a Question About This Article?