Minimum Auto Insurance Required by State

There is usually a minimum car insurance required by states. Requirements are different from state to state. The national average for state minimum car insurance is $47 a month. The minimum amount of automobile insurance coverage required by law is usually not enough coverage in the event of an accident. Adding collision and comprehensive insurance will allow you to be covered in many instances. Learn how to find affordable rates for minimum auto insurance required by state now.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 2, 2020

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A Concise Overview

  • Minimum car insurance requirements vary from state to state.
  • Only two states don’t require minimum auto insurance.
  • The national average for liability-only car insurance is $47 a month.
  • Usually, the minimum auto insurance required is not enough coverage in the event of an accident.

In most instances, there is minimum car insurance requirements by states. Each state is different and has its own rules for how much coverage is necessary.

Driving without your state’s required insurance level is illegal. Uninsured driving can lead to fines and even jail time. You’ll also still be responsible for any damages you cause.

There are many types of auto insurance coverages out there; as long as you meet the minimum requirements, you can add coverages to your policy that meet your needs. Shopping around for car insurance finds you the best deals that meet your state requirements. For affordable minimum auto insurance required by state, enter your ZIP code to compare quotes for minimum auto insurance required by state, whether you want minimum auto insurance or full coverage.

State Minimum Auto Insurance Requirements

Almost all states require some sort of car insurance to drive legally. But what states have no car insurance? Our list of states that don’t require car insurance is short: There are only two. The two states that don’t follow the normal requirements for car insurance are Virginia and New Hampshire. All other states require drivers to have some sort of minimum coverage.

What insurance is required by state law? Most states require a driver to at least carry liability coverage. If a driver causes an accident, liability insurance will cover the damages to the other person’s property and any bodily injuries. This type of coverage offers the at-fault driver no help with damages or injuries.

What is the minimum insurance coverage required by most states?

Before we look at the specific minimums required by each state, let’s look at the types of coverages that may be required.

Minimum Liability Coverage Acronyms and Abbreviations
AbbreviationsMeanings
BIBodiliy Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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Bodily injury, property damage liability, personal injury, uninsured motorist, and underinsured motorist are all coverages your state may require you to carry.

Uninsured and underinsured motorist coverages are very important if you are in an accident caused by someone without proper auto insurance. According to the Insurance Information Institute, 13 percent of drivers in the US didn’t have the minimum coverage required in 2015.

The following table details car insurance laws by state and what auto insurance coverage each state requires a driver to carry. It also shows you the average annual and monthly rate of car insurance that meets those requirements.

Minimum Liability Auto Insurance Requirements and Average Rates by State
StatesInsurance Required in the StateMinimum Liability Limits Required by the StateAverage Annual Liability Insurance Rates in the StateAverage Monthly Liability Insurance Rates in the State
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25$282.55$23.55
South DakotaBI & PD Liab, UM, UIM25/50/25$289.04$24.09
IowaBI & PD Liab20/40/15$293.34$24.45
WyomingBI & PD Liab25/50/20$323.38$26.95
MaineBI & PD Liab, UM, UIM, Medpay50/100/25$333.92$27.83
IdahoBI & PD Liab25/50/15$337.17$28.10
VermontBI & PD Liab, UM, UIM25/50/10$340.98$28.42
KansasBI & PD Liab, PIP25/50/25$342.33$28.53
NebraskaBI & PD Liab, UM, UIM25/50/25$349.07$29.09
North CarolinaBI & PD Liab, UM, UIM30/60/25$357.59$29.80
WisconsinBI & PD Liab, UM, Medpay25/50/10$359.84$29.99
IndianaBI & PD Liab25/50/25$372.44$31.04
AlabamaBI & PD Liab25/50/25$372.57$31.05
OhioBI & PD Liab25/50/25$376.16$31.35
ArkansasBI & PD Liab, PIP25/50/25$381.14$31.76
MontanaBI & PD Liab25/50/20$387.77$32.31
New HampshireFR only25/50/25$393.24$32.77
TennesseeBI & PD Liab25/50/15$397.73$33.14
MissouriBI & PD Liab, UM25/50/25$399.41$33.28
VirginiaBI & PD Liab, UM, UIM25/50/20$413.12$34.43
IllinoisBI & PD Liab, UM, UIM25/50/20$430.54$35.88
MississippiBI & PD Liab25/50/25$437.38$36.45
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10$439.58$36.63
OklahomaBI & PD Liab25/50/25$441.57$36.80
HawaiiBI & PD Liab, PIP20/40/10$458.49$38.21
New MexicoBI & PD Liab25/50/10$462.21$38.52
CaliforniaBI & PD Liab15/30/5$462.95$38.58
UtahBI & PD Liab, PIP25/65/15$471.26$39.27
ColoradoBI & PD Liab25/50/15$477.10$39.76
ArizonaBI & PD Liab15/30/10$488.59$40.72
GeorgiaBI & PD Liab25/50/25$490.64$40.89
PennsylvaniaBI & PD Liab, PIP15/30/5$495.02$41.25
South CarolinaBI & PD Liab, UM, UIM25/50/25$497.50$41.46
TexasBI & PD Liab, PIP30/60/25$498.44$41.54
West VirginiaBI & PD Liab, UM, UIM25/50/25$501.44$41.79
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25$518.91$43.24
AlaskaBI & PD Liab50/100/25$547.34$45.61
OregonBI & PD Liab, PIP, UM, UIM25/50/20$553.43$46.12
WashingtonBI & PD Liab25/50/10$568.92$47.41
MassachusettsBI & PD Liab, PIP20/40/5$587.75$48.98
MarylandBI & PD Liab, PIP, UM, UIM30/60/15$599.48$49.96
District of ColumbiaBI & PD Liab, UM25/50/10$628.09$52.34
ConnecticutBI & PD Liab, UM, UIM25/50/20$633.95$52.83
NevadaBI & PD Liab25/50/20$647.07$53.92
Rhode IslandBI & PD Liab25/50/25$720.06$60.01
MichiganBI & PD Liab, PIP20/40/10$722.04$60.17
LouisianaBI & PD Liab15/30/25$727.15$60.60
DelawareBI & PD Liab, PIP25/50/10$776.50$64.71
New YorkBI & PD Liab, PIP, UM, UIM25/50/10$784.98$65.42
FloridaPD Liab, PIP10/20/10$845.05$70.42
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5$865.55$72.13
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The average monthly cost of meeting these basic requirements is just $47. How did your state do? Does your state have comparatively strict or lenient requirements for auto insurance coverage?

You can see how much requirements change from state to state. For example, minimum car insurance coverage in California is higher than the state minimum car insurance in Florida. Watch this video to learn more about what liability car insurance covers.

Liability coverage will minimum auto insurance required by states, but won’t offer you much protection if you cause an accident.

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Is state minimum insurance enough?

Usually, the minimum amount of insurance required by law is not enough coverage in the event of an accident. Paying for property damage to a vehicle you’ve hit in an accident you’ve caused may put you over your limit. If bodily injury is also involved, you could be paying thousands out of pocket.

Most experts believe that you should raise your liability limits and add collision and comprehensive coverages as well. Collision insurance will cover damages to your car and bodily injury to the people in your car if you cause an accident. Comprehensive insurance will cover damages to your car that aren’t the result of an accident. This would include theft, fire, flood, hail, or vandalism. Without these added coverages, you would have to pay for damages to your car out of pocket.

Sometimes, you are required to carry additional coverage. For example, minimum coverage for a financed car will be much higher than the state requirements. Your lender will generally require you to carry additional insurance to protect their investment.

Whether you’re looking for the state minimum car insurance or you want full coverage, you will find the best rates if you shop around. Compare auto insurance quotes to get the coverage you want at a great price.

Ready to buy the minimum auto insurance required by state? Enter your ZIP code to request quotes that meet the minimum auto insurance required by your state.

References:

  1. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

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