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Minimum Car Insurance by State (2026)
Most states require at least $25,000 of bodily injury liability coverage per person. The highest minimum is Alaska ($50,000 / $100,000 / $25,000) and the lowest is Pennsylvania ($15,000 / $30,000 / $5,000). Numbers are shown as bodily injury per person / per accident / property damage.
- All 50 states + DC
- Verified 2026-11-13
- Official sources on each state page
| State | Bodily injury per person | Per accident | Property damage |
|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 |
| Alaska | $50,000 | $100,000 | $25,000 |
| Arizona | $25,000 | $50,000 | $15,000 |
| Arkansas | $25,000 | $50,000 | $25,000 |
| California | $30,000 | $60,000 | $15,000 |
| Colorado | $25,000 | $50,000 | $15,000 |
| Connecticut | $25,000 | $50,000 | $25,000 |
| Delaware | $25,000 | $50,000 | $10,000 |
| District of Columbia | $25,000 | $50,000 | $10,000 |
| Florida | Not required | Not required | $10,000 |
| Georgia | $25,000 | $50,000 | $25,000 |
| Hawaii | $40,000 | $80,000 | $20,000 |
| Idaho | $25,000 | $50,000 | $15,000 |
| Illinois | $25,000 | $50,000 | $20,000 |
| Indiana | $25,000 | $50,000 | $25,000 |
| Iowa | $20,000 | $40,000 | $15,000 |
| Kansas | $25,000 | $50,000 | $25,000 |
| Kentucky | $25,000 | $50,000 | $25,000 |
| Louisiana | $15,000 | $30,000 | $25,000 |
| Maine | $50,000 | $100,000 | $25,000 |
| Maryland | $30,000 | $60,000 | $15,000 |
| Massachusetts | $25,000 | $50,000 | $30,000 |
| Michigan | $50,000 | $100,000 | $10,000 |
| Minnesota | $30,000 | $60,000 | $10,000 |
| Mississippi | $25,000 | $50,000 | $25,000 |
| Missouri | $25,000 | $50,000 | $25,000 |
| Montana | $25,000 | $50,000 | $20,000 |
| Nebraska | $25,000 | $50,000 | $25,000 |
| Nevada | $25,000 | $50,000 | $20,000 |
| New Hampshire | $25,000 | $50,000 | $25,000 |
| New Jersey | $35,000 | $70,000 | $25,000 |
| New Mexico | $25,000 | $50,000 | $10,000 |
| New York | $25,000 | $50,000 | $10,000 |
| North Carolina | $50,000 | $100,000 | $50,000 |
| North Dakota | $25,000 | $50,000 | $25,000 |
| Ohio | $25,000 | $50,000 | $25,000 |
| Oklahoma | $25,000 | $50,000 | $25,000 |
| Oregon | $25,000 | $50,000 | $20,000 |
| Pennsylvania | $15,000 | $30,000 | $5,000 |
| Rhode Island | $25,000 | $50,000 | $25,000 |
| South Carolina | $25,000 | $50,000 | $25,000 |
| South Dakota | $25,000 | $50,000 | $25,000 |
| Tennessee | $25,000 | $50,000 | $25,000 |
| Texas | $30,000 | $60,000 | $25,000 |
| Utah | $30,000 | $65,000 | $25,000 |
| Vermont | $25,000 | $50,000 | $10,000 |
| Virginia | $50,000 | $100,000 | $25,000 |
| Washington | $25,000 | $50,000 | $10,000 |
| West Virginia | $25,000 | $50,000 | $25,000 |
| Wisconsin | $25,000 | $50,000 | $10,000 |
| Wyoming | $25,000 | $50,000 | $20,000 |
Frequently asked questions
- What is the minimum car insurance in most states?
- The most common minimum is $25,000 of bodily injury coverage per person (35 states), usually written as 25/50/25 or similar.
- Which state has the highest minimum car insurance?
- Alaska requires $50,000 / $100,000 / $25,000 (bodily injury per person / per accident / property damage).
- Why does the at-fault driver's insurance limit matter for my settlement?
- Insurers rarely pay more than the policy limit. If the other driver carries only the state minimum, that number is often the realistic ceiling for your claim unless you have underinsured motorist coverage.
- Have minimums changed recently?
- Yes. California, Virginia, Massachusetts, North Carolina, New Jersey and Hawaii all raised their minimums between 2025 and 2026. See our law changes tracker.