Minimum Auto Insurance Requirements by State – Overview

Minimum auto insurance requirements in the United States are set at the state level, and most states require at least:

• Bodily injury liability (BI) – per person and per accident
• Property damage liability (PD) – per accident

Some states also:

• Require Personal Injury Protection (PIP) as part of a no-fault system
• Require Uninsured/Underinsured Motorist (UM/UIM) coverage
• Allow combined single limit (CSL) instead of split limits

The ru3.us project organizes this information into:

• A national liability comparison table
• A state-by-state page for each jurisdiction
• Structured datasets exposed as CSV and JSON

Key entry points include:

• National table → /minimum-auto-insurance-by-state-table
• Liability dataset → /datasets/state-minimum-coverage-limits
• State index → /state/

Each state page documents the minimum liability values as recorded in Dataset Version 2025.01, with a conservative approach that avoids inferring requirements not explicitly present in the initial reference.