As you go down the list, you will notice that driving without insurance is against the law in almost every state. Make sure you have met the minimum requirements in your state before you drive.

What Is Minimum Car Insurance? 

If you own a car, you will need car insurance that meets the laws in your state. Each state is different, which is why it is vital to confirm the laws where you live. You can also contact your company if you have questions. Four basic types of coverage may be in your state’s laws. You may need bodily injury liability, defined per person as well as per accident. States might order you to have property damage liability (also per accident). State laws might also call for personal injury protection (per person and per accident). One of the most common laws is uninsured or underinsured motorist protection that covers you and your car, per person, per accident. Car insurance liability coverages may be given in a series of numbers, which state the amounts covered for injury per person, accident, and total damages. For example, you might see $20,000/$40,000/$15,000, or 20/40/15. This provides bodily injury liability of $20,000 per person and $40,000 per accident, and property damage liability would be $15,000 per accident.

Do All States Require Car Insurance?

Nearly all states require some level of car insurance. However, there are some special cases. For instance, New Hampshire does not mandate that you buy car insurance to drive. It does require that you can pay anyone you injure as a result of your driving. You’ll also need to pay for any property damage you cause. This means you’ll need a large savings account if you don’t have insurance. If you do buy a policy, New Hampshire law requires you to carry 25/50/25. Virginia, too, offers a second approach. Virginia drivers must either maintain a minimum of 25/50/20 or pay an uninsured motor vehicle (UMV) fee of $500. If they fail to carry insurance and fail to pay the (UMV) fee, they’ll lose their driving privileges.

Minimums by State

Here’s each state’s car insurance mandates.

Alabama 

Bodily injury liability: $25,000 per person/$50,000 maximum per accidentProperty damage liability: $25,000 per accident

Alaska 

Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability: $25,000 per accident

Arizona

Bodily injury liability: $25,000 per person/$50,000 two or more peopleProperty damage liability: $15,000 per accident

Arkansas

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

California

Bodily injury liability: $15,000 per person Property damage liability: $5,000 per accident Bodily injury/death liability to more than one person: $30,000

Colorado

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident

Connecticut

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident

Delaware

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentPersonal Injury Protection: A minimum of $15,000 for any one person and $30,000 for all persons injured in any one accident

Florida

Property damage liability: $10,000Personal injury protection: $10,000

Georgia

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Hawaii

Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $10,000 per accidentPersonal injury protection: $10,000

Idaho

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident

Illinois

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accident

Indiana

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Iowa

Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $15,000 per accident

Kansas

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $4,500 per person in medical expenses, up to $900 per month for disability or loss of income, $25 per day for in-home services; $4,500 for rehabilitation; $2,000 for funeral, burial, or cremation costs

Kentucky

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentPersonal injury protection: $10,000

Louisiana

Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $25,000 per accident

Maine

Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $50,000 per person/$100,000 per accidentMedical payments coverage: $2,000

Maryland

Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $15,000 per accident

Massachusetts

Bodily injury liability: $20,000 per person/$40,000 per accidentProperty damage liability: $5,000 per accidentUninsured motorist coverage: $20,000 per person/$40,000 per accidentPersonal injury protection: $8,000

Michigan

Bodily injury liability: $50,000 per person/$100,000 per accidentProperty damage liability for accidents in another state: $10,000Personal injury protection: $250,000 (lower options or opt-out available for Medicare and Medicaid enrollees)

Minnesota

Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $25,000 per personUninsured/underinsured motorist coverage: $50,000 per accidentPersonal injury protection: $40,000

Mississippi

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Missouri

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accident

Montana

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident

Nebraska

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Nevada

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident

New Hampshire

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentUninsured/underinsured motorist property damage coverage: $25,000Medical payments coverage: $1,000

New Jersey

Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $5,000 per accidentUninsured motorist bodily injury: $15,000

New Mexico

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accident

New York

Bodily injury liability: $25,000 per person/$50,000 for a death per accidentProperty damage liability: $10,000 per accidentLiability for death: $50,000 per person/$100,000 liability per accident for two or more peoplePersonal injury protection: $50,000Uninsured motorist coverage: $25,000 per person/$50,000 per accident

North Carolina

Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage per person: $30,000/$60,000 per accidentUninsured motorist property damage coverage: $25,000 per accident

North Dakota

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $30,000

Ohio

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Oklahoma

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

Oregon

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accidentPersonal injury protection: $15,000

Pennsylvania

Bodily injury liability: $15,000 per person/$30,000 per accidentProperty damage liability: $5,000 per accidentMedical benefit: $5,000

Rhode Island

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accident

South Carolina

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $25,000 per person/$50,000 per accidentUninsured motorist property damage coverage: $25,000

South Dakota

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident

Tennessee

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $15,000 per accident

Texas

Bodily injury liability: $30,000 per person/$60,000 per accidentProperty damage liability: $25,000 per accident

Utah

Bodily injury liability: $25,000 per person/$65,000 per accidentProperty damage liability: $15,000 per accident

Vermont

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accidentUninsured/underinsured motorist property damage coverage: $10,000 per accident

Virginia

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident

Washington

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accident

Washington, D.C.

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured/underinsured motorist coverage: $20,000 per person/$50,000 per accidentUninsured/underinsured motorist property damage coverage: $5,000 per accident

West Virginia

Bodily injury liability: $20,000 per person/$50,000 per accidentProperty damage liability: $25,000 per accidentUninsured motorist coverage: $25,000 per person

Wisconsin

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $10,000 per accidentUninsured motorist coverage: $25,000 per personUninsured motorist coverage: $50,000 per accident

Wyoming

Bodily injury liability: $25,000 per person/$50,000 per accidentProperty damage liability: $20,000 per accident