Minimum Auto Insurance Requirements by State (2025 Edition)

This page summarizes the legally mandated minimum auto liability insurance requirements for all 50 U.S. states and the District of Columbia, as of dataset Version 2025.01.

The focus is on three core values:

• Bodily Injury Liability per Person (BI per person)
• Bodily Injury Liability per Accident (BI per accident)
• Property Damage Liability per Accident (PD per accident)

Other required coverages (for example PIP, UM/UIM, MedPay, or unique in-state property protections) are documented separately in notes and methodology.

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State-by-State Minimum Liability Limits

Note: Values below are expressed in U.S. dollars and represent statutory minimums, not recommended coverage.

State	BI per Person	BI per Accident	PD per Accident
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
Florida	0	0	10,000
Georgia	25,000	50,000	25,000
Hawaii	20,000	40,000	10,000
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	0	0	5,000
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
District of Columbia	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

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How to Download the Data

If you need the structured form of this data for analysis, software, or research:

• CSV: state-minimum-coverage-limits.csv
• JSON: state-minimum-coverage-limits.json

For schema details, version information, and notes on special cases (no-fault states, BI-optional policies, etc.), see the dataset documentation:

• Minimum Auto Liability Limits Dataset – Documentation
• Methodology for the Minimum Auto Liability Dataset

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Featured State Pages

For more context on high-impact states:

• California Minimum Auto Insurance Requirements
• Texas Minimum Auto Insurance Requirements
• Florida Minimum Auto Insurance Requirements
• New York Minimum Auto Insurance Requirements
• Michigan Minimum Auto Insurance Requirements

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Important Disclaimer

This page summarizes statutory minimums and is not legal or financial advice.
Drivers should confirm requirements with their insurer, agent, or state regulator, especially when laws change or when purchasing non-standard policies.