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Compare Auto Insurance Laws in all 50 States and Get a Free Quote

Car Insurance laws are different in every state. In order to get the most affordable auto insurance in your state, you need to be aware of the laws governing it. In addition to get the cheapest policy possible, you may want to insure your car in a different state, especially if you're about to move, have multiple residencies or are crossing state borders at least once a month. Best Auto allows you to get a free quote for all the states you drive in, and hopes to enlighten you on how your state compares to all others.

Basic Auto Insurance Laws in Each State

Liability Required Liability Minimums PIP Required? No-Fault State? Uninsured Motorist Coverage Required?
Alabama Yes 25/50/25 No No No
Alaska Yes 50/100/25 No No No
Arizona Yes 15/30/10 No No No
Arkansas Yes 25/50/25 Yes No No
California Yes 15/30/5 No No No
Colorado Yes 25/50/15 No No No
Connecticut Yes 20/40/10 No No Yes
District of Columbia No 10/20/10 Yes Yes No
Delaware Yes 15/30/10 Yes No No
Florida Yes 25/50/25 No No No
Georgia Yes 20/40/10 Yes Yes No
Hawaii Yes 25/50/15 No No No
Idaho Yes 20/40/15 No No Yes
Illinois Yes 25/50/10 No No No
Indiana Yes 20/40/15 No No No
Iowa Yes 25/50/10 Yes Yes Yes
Kansas Yes 25/50/10 Yes Yes No
Kentucky Yes 15/30/25 No No No
Louisiana Yes 50/100/25 No No Yes
Maine Yes 20/40/15 Yes No Yes
Maryland Yes 20/40/5 Yes Yes Yes
Massachusetts Yes 20/40/10 Yes Yes No
Michigan Yes 30/60/10 Yes Yes Yes
Minnesota Yes 25/50/25 No No No
Mississippi Yes 25/50/10 No No Yes
Missouri Yes 25/50/10 No No No
Montana Yes 25/50/25 No No No
Nebraska Yes 15/30/10 No No No
Nevada No 25/50/25 No No Yes
New Hampshire Yes 15/30/5 Yes Yes Yes
New Jersey Yes 25/50/10 No No No
New Mexico Yes 25/50/10 Yes Yes Yes
New York Yes 30/60/25 No No Yes
North Carolina Yes 25/50/25 Yes Yes Yes
North Dakota Yes 12.5/25/7.5 No No No
Ohio Yes 25/50/25 No No No
Oklahoma Yes 25/50/10 Yes No Yes
Oregon Yes 15/30/5 Yes Yes No
Pennsylvania Yes 25/50/25 No No Yes
Rhode Island Yes 25/50/25 No No Yes
South Carolina Yes 25/50/25 No No Yes
South Dakota Yes 25/50/15 No No No
Tennessee Yes 30/60/30 No No No
Texas Yes 25/65/15 Yes Yes No
Utah Yes 25/50/10 No No No
Vermont Yes 25/50/20 No No Yes
Virginia Yes 25/50/10 No No No
Washington Yes 25/50/10 No No Yes
West Virginia Yes 20/40/10 No No Yes
Wisconsin No 50/100/55 No No Yes
Wyoming Yes 25/50/20 No No No