Minimum car insurance, state by state.
The legal floor for liability coverage varies more than most drivers realize, and it's set entirely by the state, not by any insurer. Below is what's legally required in each state we track, next to the average rate we see there for a driver carrying full coverage.
Every state's minimum is built around liability coverage, the part of a policy that pays for injuries and property damage you cause to someone else. A number of states layer on additional required coverage, most often personal injury protection in no-fault states or a mandatory uninsured motorist limit. None of it pays to fix or replace your own car; that only happens if you carry comprehensive and collision on top of whatever the state requires. We track a real filing or a labeled statewide estimate for 51 of the 51 states below, and the national average across every full-coverage filing we track currently sits at $209.31 a month.
Every state, minimum and average.
StateMinimum requirementAvg full coverage
AlabamaAL
Alabama requires minimum liability coverage of 25/50/25.
$187.87/mo
AlaskaAK
Alaska requires minimum liability coverage of 50/100/25.
$173.59/mo
ArizonaAZ
Arizona requires minimum liability coverage of 25/50/15.
$228.79/mo
ArkansasAR
Arkansas requires minimum liability coverage of 25/50/25.
$182.14/mo
CaliforniaCA
California requires minimum liability coverage of 30/60/15, raised from 15/30/5 in 2025.
$180.74/mo
ColoradoCO
Colorado requires minimum liability coverage of 25/50/15.
$262.43/mo
ConnecticutCT
Connecticut requires minimum liability coverage of 25/50/25.
$310.38/mo
DelawareDE
Delaware requires minimum liability coverage of 25/50/10, plus $15,000 in PIP.
$285.26/mo
FloridaFL
Florida requires PIP and property damage liability of 10/20/10.
$256.89/mo
GeorgiaGA
Georgia requires minimum liability coverage of 25/50/25.
$204.26/mo
HawaiiHI
Hawaii requires minimum liability coverage of 20/40/10, plus $10,000 in PIP.
$128.62/mo
IdahoID
Idaho requires minimum liability coverage of 25/50/15.
$77.82/mo
IllinoisIL
Illinois requires minimum liability coverage of 25/50/20, plus uninsured motorist coverage.
$141.07/mo
IndianaIN
Indiana requires minimum liability coverage of 25/50/25.
$163.29/mo
IowaIA
Iowa requires minimum liability coverage of 20/40/15.
$189.24/mo
KansasKS
Kansas requires minimum liability coverage of 25/50/25, plus $4,500 PIP and uninsured motorist coverage.
$194.68/mo
KentuckyKY
Kentucky requires minimum liability coverage of 25/50/25, plus $10,000 PIP under its default no-fault option.
$211.11/mo
LouisianaLA
Louisiana requires minimum liability coverage of 15/30/25.
$418.06/mo
MaineME
Maine requires minimum liability coverage of 50/100/25, plus uninsured motorist coverage.
$135.70/mo
MarylandMD
Maryland requires minimum liability coverage of 30/60/15, plus uninsured motorist coverage.
$222.90/mo
MassachusettsMA
Massachusetts requires minimum liability coverage of 20/40/5, plus $8,000 PIP and uninsured motorist coverage.
$201.16/mo
MichiganMI
Michigan requires minimum liability coverage of 50/100/10, plus tiered no-fault PIP starting at $50,000.
$359.14/mo
MinnesotaMN
Minnesota requires minimum liability coverage of 30/60/10, plus $40,000 PIP and uninsured motorist coverage.
$169.22/mo
MississippiMS
Mississippi requires minimum liability coverage of 25/50/25.
$172.30/mo
MissouriMO
Missouri requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage.
$225.53/mo
MontanaMT
Montana requires minimum liability coverage of 25/50/20.
$192.12/mo
NebraskaNE
Nebraska requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage.
$188.72/mo
NevadaNV
Nevada requires minimum liability coverage of 25/50/20.
$276.34/mo
New HampshireNH
New Hampshire does not mandate auto insurance, but drivers must show proof of financial responsibility after an at-fault accident.
$152.42/mo
New JerseyNJ
New Jersey's standard policy requires minimum liability coverage of 15/30/5, plus $15,000 PIP and uninsured motorist coverage.
$335.69/mo
New MexicoNM
New Mexico requires minimum liability coverage of 25/50/10, plus uninsured motorist coverage.
$199.35/mo
New YorkNY
New York requires minimum liability coverage of 25/50/10.
$271.76/mo
North CarolinaNC
North Carolina requires minimum liability coverage of 30/60/25, plus uninsured motorist coverage.
$227.71/mo
North DakotaND
North Dakota requires minimum liability coverage of 25/50/25, plus $30,000 PIP and uninsured motorist coverage.
$118.82/mo
OhioOH
Ohio requires minimum liability coverage of 25/50/25.
$148.00/mo
OklahomaOK
Oklahoma requires minimum liability coverage of 25/50/25.
$273.55/mo
OregonOR
Oregon requires minimum liability coverage of 25/50/20, plus $15,000 PIP and uninsured motorist coverage.
$209.09/mo
PennsylvaniaPA
Pennsylvania requires minimum liability coverage of 15/30/5, plus $5,000 in first-party medical benefits.
$183.21/mo
Rhode IslandRI
Rhode Island requires minimum liability coverage of 25/50/25.
$273.95/mo
South CarolinaSC
South Carolina requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage.
$206.26/mo
South DakotaSD
South Dakota requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage.
$201.67/mo
TennesseeTN
Tennessee requires minimum liability coverage of 25/50/15.
$182.97/mo
TexasTX
Texas requires minimum liability coverage of 30/60/25.
$239.40/mo
UtahUT
Utah requires minimum liability coverage of 25/65/15, plus $3,000 PIP.
$168.59/mo
VermontVT
Vermont requires minimum liability coverage of 25/50/10, plus uninsured motorist coverage.
$128.00/mo
VirginiaVA
Virginia requires minimum liability coverage of 30/60/20, raised from 25/50/20 in 2025, plus uninsured motorist coverage.
$169.72/mo
WashingtonWA
Washington requires minimum liability coverage of 25/50/10.
$185.43/mo
Washington D.C.DC
Washington D.C. requires minimum liability coverage of 25/50/10, plus uninsured motorist coverage.
$288.67/mo
West VirginiaWV
West Virginia requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage.
$168.73/mo
WisconsinWI
Wisconsin requires minimum liability coverage of 25/50/10, plus uninsured motorist coverage.
$212.01/mo
WyomingWY
Wyoming requires minimum liability coverage of 25/50/20.
$151.82/mo
Not sure if minimum is enough
Read the real trade-off between state-minimum and full coverage.