Where the numbers come from
Every number here either comes from a public source you can open, or says it's our best guess. Here are all 15 sources, what we use each one for, and when we last checked it.
Where we couldn't find a source, we say so right next to the number and widen the range. Further down, pick your state to see its typical price and the least insurance its law asks for.
HLDI data through 2022–24 models. We retrieved the 2022–24 report on September 22, 2026 and the 2006–08 through 2021–23 reports on October 26, 2026. HLDI's online tables don't show when each report was published, so we don't list publication dates yet. HLDI publishes new results each year.
Where the numbers come from
Real prices, from state insurance departments
Several states publish what many companies charge the same sample drivers, changing one thing at a time. That's the best public evidence there is for how a price moves.
California Department of Insurance
2026 Automobile Premium Survey (comparison tool)
How age, driving record, miles, bundling, and city or country change a price.
Checked September 22, 2026
Texas Department of Insurance and the Office of Public Insurance Counsel
HelpInsure.com auto sample rates (data call: Commissioner's Bulletin B-0005-25)
How age, driving record, miles, city or country, and liability limits change a price.
Checked September 22, 2026
Oklahoma Insurance Department
Auto Insurance Rate Comparison (Updated September 2026)
How age and city or country change a price.
Checked September 22, 2026
District of Columbia Department of Insurance, Securities and Banking
2024 Automobile Insurance Premium Comparison: Sample Profiles (6 month policy)
How a driver's age changes a price.
Checked September 22, 2026
North Dakota Insurance & Securities Department
2026 Auto Insurance Cost Comparison Survey
How city or country changes a price.
Checked September 22, 2026
Colorado Division of Insurance
Private Passenger Automobile Premium Comparison Report
How city or country changes a price.
Checked September 22, 2026
North Carolina Department of Insurance
Safe Driver Incentive Plan (insurance points)
How an at-fault accident raises a price.
Checked September 22, 2026
Cars
Which car you drive changes what it costs to fix and how often it's in a claim.
Highway Loss Data Institute (IIHS-HLDI)
Insurance losses by make and model (2006–08 through 2022–24 models)
How each model's insurance losses compare with an average car's, one coverage at a time (overall losses for crash repairs, non-crash damage, and damage to others' property; how often injury claims are filed), across 2006–08 through 2022–24 model-year reports. This is the “Why” you see when you tap a car.
Checked September 22, 2026
Insurance Journal (reporting an Insurance Services Office announcement)
New ISO Symbols Rate Cars By Make and Model for Liability, No-Fault/Medical Payments Insurance
Why a car's crash record only partly moves the liability part of the bill.
Checked September 22, 2026
S&P Global Mobility (press release)
How old the average car is, which sets the car's age we start from.
Checked September 22, 2026
National Highway Traffic Safety Administration
The list of cars you can pick, by model year. If you look up a VIN, your browser asks NHTSA directly.
Checked September 21, 2026
FuelEconomy.gov (U.S. Department of Energy and EPA)
Each car's versions, its size class, and whether it's gas, hybrid, or electric.
Checked September 21, 2026
Starting prices
When you don't tell us what you pay, we start from what drivers in your state pay on average.
National Association of Insurance Commissioners
The typical price for each state, and how a full-coverage bill splits.
Checked September 22, 2026
U.S. Bureau of Labor Statistics
How much car insurance prices have risen since 2023.
Checked September 22, 2026
Insurance Information Institute (data from ISO)
How a full-coverage bill splits between liability and fixing your own car.
Checked September 22, 2026
State laws
Each state's minimum coverage comes from its own statute or insurance department. All 50 states and DC link to theirs. See your state.
Your state
The typical price is what an average driver paid for one car in 2023. The minimums are the least insurance the law asks you to carry: not a price, and not advice about how much to buy. Each state also has its own page, with what a new teen driver adds there.
Typical yearly price, 2023
$1,257 for full coverage, $598 for liability only.
What an average driver paid for one car. Source: NAIC, 2022/2023 Auto Insurance Database Report, 2023 data. The math brings it up to today and adjusts it for your driver, car, and coverage.
The least insurance the law asks for
- Liability (per person / per crash / property)
- $25,000/$50,000/$20,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Illinois requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage at 25/50 is always included and can't be turned down. If you buy higher limits, underinsured-motorist coverage is added to match.
Good to know: Underinsured motorist coverage isn't needed on a minimum 25/50/20 policy. It becomes required as soon as your uninsured coverage is above 25/50. Your uninsured coverage matches your injury limits unless you turn down the extra in writing.
- Uninsured and underinsured motorist
- Every policy includes uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, and you can't turn that part down. By default it matches your injury liability limits; you can turn down only the amount above 25/50, in writing. Underinsured motorist coverage is required only when your uninsured coverage is above that minimum, and then it must match. So a minimum 25/50/20 policy doesn't need it.
- History and recent checks
- 25/50/20 applies to policies issued or renewed on or after January 1, 2015. The latest amendment to 7-203 (P.A. 102-982, effective 7-1-23) only changed wording ('crash'). No change is scheduled.
- Checked
- September 22, 2026
- Sources
- 625 ILCS 5/7-203 (requirements as to policy or bond)
not less than $25,000 because of bodily injury to or death of any one person ... not less than $50,000 ... not less than $20,000 because of injury to or destruction of property
- 625 ILCS 5/7-601 (required liability insurance policy)
No person shall operate, register or maintain registration of ... a motor vehicle ... unless the motor vehicle is covered by a liability insurance policy.
- 215 ILCS 5/143a (uninsured motor vehicle coverage)
No policy ... shall be renewed, delivered, or issued for delivery in this State unless coverage is provided therein ... in limits for bodily injury or death set forth in Section 7-203
- 215 ILCS 5/143a-2 (additional UM; UIM)
unless underinsured motorist coverage is included in such policy in an amount equal to the total amount of uninsured motorist coverage provided in that policy where such uninsured motorist coverage exceeds the l[imits]
- 625 ILCS 5/7-203 (requirements as to policy or bond)
All states
All 50 states and DC link to a statute or government page, and 50 have all three dollar limits. The newest check was September 22, 2026. Where we couldn't confirm something, it says “Not confirmed yet” and the state's notes say why.
Typical price for every state
What an average driver in each state paid in 2023 for one car with full coverage (liability, collision, and comprehensive), and for liability alone. It's a starting point, not your price: a teen driver, a newer car, or higher limits cost more. When you don't tell us what you pay, the Try a change page starts from your state's full-coverage figure, brought up to today. Nationally, it was $1,439.
| State | Full coverage, a year | Liability only, a year |
|---|---|---|
| Alabama | $1,269 | $576 |
| Alaska | $1,262 | $624 |
| Arizona | $1,505 | $793 |
| Arkansas | $1,296 | $538 |
| California | $1,418 | $661 |
| Colorado | $1,655 | $782 |
| Connecticut | $1,508 | $854 |
| Delaware | $1,569 | $962 |
| District of Columbia | $1,818 | $891 |
| Florida | $1,994 | $1,295 |
| Georgia | $1,746 | $1,046 |
| Hawaii | $998 | $464 |
| Idaho | $981 | $482 |
| Illinois | $1,257 | $598 |
| Indiana | $1,032 | $485 |
| Iowa | $1,010 | $387 |
| Kansas | $1,182 | $483 |
| Kentucky | $1,208 | $633 |
| Louisiana | $1,983 | $1,055 |
| Maine | $926 | $425 |
| Maryland | $1,602 | $869 |
| Massachusetts | $1,413 | $710 |
| Michigan | $1,573 | $766 |
| Minnesota | $1,223 | $542 |
| Mississippi | $1,395 | $637 |
| Missouri | $1,323 | $614 |
| Montana | $1,184 | $472 |
| Nebraska | $1,184 | $484 |
| Nevada | $1,600 | $1,040 |
| New Hampshire | $1,032 | $482 |
| New Jersey | $1,693 | $1,033 |
| New Mexico | $1,301 | $624 |
| New York | $1,896 | $1,116 |
| North Carolina | $1,097 | $448 |
| North Dakota | $961 | $332 |
| Ohio | $1,038 | $485 |
| Oklahoma | $1,324 | $566 |
| Oregon | $1,268 | $751 |
| Pennsylvania | $1,273 | $567 |
| Rhode Island | $1,710 | $984 |
| South Carolina | $1,517 | $879 |
| South Dakota | $1,158 | $378 |
| Tennessee | $1,212 | $542 |
| Texas | $1,727 | $798 |
| Utah | $1,285 | $746 |
| Vermont | $958 | $381 |
| Virginia | $1,238 | $627 |
| Washington | $1,235 | $708 |
| West Virginia | $1,227 | $523 |
| Wisconsin | $1,000 | $447 |
| Wyoming | $1,180 | $390 |
Minimums and notes for every state
| State | Liability: per person / per crash / property | Personal injury protection (PIP) | Medical payments | No-fault | Uninsured motorist | Underinsured motorist | The law |
|---|---|---|---|---|---|---|---|
| Alabama | $25k / $50k / $25k | Not required | Not required | No | Included unless declined | Included unless declined | Source |
| Alaska | $50k / $100k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Arizona | $25k / $50k / $15k | Not required | Not required | No | Not required | Not required | Source |
| Arkansas | $25k / $50k / $25k | Included unless declined in writing | Not required | No | Included unless declined in writing | Not required | Source |
| California | $30k / $60k / $15k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Colorado | $25k / $50k / $15k | Not required | Included unless declined in writing | No | Included unless declined in writing | Included unless declined in writing | Source |
| Connecticut | $25k / $50k / $25k | Not required | Not required | No | Required | Required | Source |
| Delaware | $25k / $50k / $10k | Required | Not required | No | Included unless declined in writing | Not required | Source |
| District of Columbia | $25k / $50k / $10k | Not required | Not required | Your choice | Required | Not required | Source |
| Florida | none / none / $10k | Required | Not required | Yes | Not required | Not required | Source |
| Georgia | $25k / $50k / $25k | Not required | Not required | No | Not confirmed yet | Not confirmed yet | Source |
| Hawaii | $40k / $80k / $20k | Required | Not required | Yes | Included unless declined in writing | Included unless declined in writing | Source |
| Idaho | $25k / $50k / $15k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Illinois | $25k / $50k / $20k | Not required | Not required | No | Required | Not required | Source |
| Indiana | $25k / $50k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Iowa | $20k / $40k / $15k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Kansas | $25k / $50k / $25k | Required | Not required | Yes | Required | Required | Source |
| Kentucky | $25k / $50k / $25k | Required | Not required | Your choice | Included unless declined in writing | Not required | Source |
| Louisiana | $15k / $30k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Maine | $50k / $100k / $25k | Not required | Required | No | Required | Required | Source |
| Maryland | $30k / $60k / $15k | Included unless declined in writing | Not required | No | Required | Required | Source |
| Massachusetts | $25k / $50k / $30k | Required | Not required | Yes | Required | Not required | Source |
| Michigan | $50k / $100k / $10k | Required | Not required | Yes | Not required | Not required | Source |
| Minnesota | $30k / $60k / $10k | Required | Not required | Yes | Required | Required | Source |
| Mississippi | $25k / $50k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Missouri | $25k / $50k / $25k | Not required | Not required | No | Required | Not required | Source |
| Montana | $25k / $50k / $20k | Not required | Not required | No | Included unless declined | Not required | Source |
| Nebraska | $25k / $50k / $25k | Not required | Not required | No | Required | Required | Source |
| Nevada | $25k / $50k / $20k | Not required | Not required | No | Included unless declined in writing | Not required | Source |
| New Hampshire | $25k / $50k / $25k | Not required | Required | No | Required | Required | Source |
| New Jersey | $35k / $70k / $25k | Required | Not required | Your choice | Required | Required | Source |
| New Mexico | $25k / $50k / $10k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| New York | $25k / $50k / $10k | Required | Not required | Yes | Required | Not required | Source |
| North Carolina | $50k / $100k / $50k | Not required | Not required | No | Required | Required | Source |
| North Dakota | $25k / $50k / $25k | Required | Not required | Yes | Required | Required | Source |
| Ohio | $25k / $50k / $25k | Not required | Not required | No | Not required | Not required | Source |
| Oklahoma | $25k / $50k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Oregon | $25k / $50k / $20k | Required | Not required | No | Required | Required | Source |
| Pennsylvania | $15k / $30k / $5k | Required | Not required | Your choice | Not required | Not required | Source |
| Rhode Island | $25k / $50k / $25k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| South Carolina | $25k / $50k / $25k | Not required | Not required | No | Required | Not required | Source |
| South Dakota | $25k / $50k / $25k | Not required | Not required | No | Required | Required | Source |
| Tennessee | $25k / $50k / $25k | Not required | Not required | No | Included unless declined in writing | Not confirmed yet | Source |
| Texas | $30k / $60k / $25k | Included unless declined in writing | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| Utah | $30k / $65k / $25k | Required | Not required | Yes | Included unless declined in writing | Included unless declined in writing | Source |
| Vermont | $25k / $50k / $10k | Not required | Not required | No | Required | Required | Source |
| Virginia | $50k / $100k / $25k | Not required | Not required | No | Required | Required | Source |
| Washington | $25k / $50k / $10k | Not required | Not required | No | Included unless declined in writing | Included unless declined in writing | Source |
| West Virginia | $25k / $50k / $25k | Not required | Not required | No | Required | Not required | Source |
| Wisconsin | $25k / $50k / $10k | Not required | Included unless declined | No | Required | Not required | Source |
| Wyoming | $25k / $50k / $20k | Not required | Not required | No | Included unless declined | Not required | Source |
Notes by state
A short summary for each state, anything good to know, and anything we couldn’t confirm, with every page we used.
Alabama
Alabama requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage is included unless you turn it down.
Good to know: Alabama's law gives you the right to turn down uninsured motorist coverage but doesn't say the first refusal has to be in writing, so we mark it "included unless you decline." Insurers usually ask you to sign a form anyway. Alabama counts a driver with too little insurance as uninsured, so this coverage also protects you from underinsured drivers.
What we couldn’t confirm: We only saw part of the law's definition of an uninsured vehicle (the text was cut off). We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- At least $25,000 per person and $50,000 per crash. Because Alabama counts underinsured drivers as uninsured, one coverage handles both.
- History and recent checks
- 25/50/25 in current Ala. Code 32-7-6(c); no 2024-2026 change found on the Legislature's code site.
- Checked
- September 22, 2026
- Sources
- Ala. Code 32-7-6(c)
not less than twenty-five thousand dollars ($25,000) because of bodily injury to or death to one person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) because of injury to or destruction of property
- Ala. Code 32-7A-4
No person shall operate, register, or maintain registration of ... a motor vehicle ... unless the motor vehicle is covered by a liability insurance policy
- Ala. Code 32-7-23
shall be delivered ... unless coverage is provided therein ... provided, that the named insured shall have the right to reject such coverage
- Ala. Code 32-7-6(c)
Alaska
Alaska requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage at those same amounts is included unless you waive it in writing.
Good to know: Some vehicles driven only in areas off the main road system are exempt, if the driver has no recent serious violations. The table describes the general rule.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers, at the state minimums ($50,000/$100,000 for injuries and $25,000 for property damage). You can waive all or part of it in writing.
- History and recent checks
- 50/100/25 in current AS 28.22.101(d) and AS 28.20.440(b)(2); no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- AS 28.22.101(d)
(1) $50,000 because of bodily injury to or death of one person in one accident ... $100,000 ... (2) $25,000 because of injury to or destruction of property of others
- AS 28.22.011(a)
shall be insured under a motor vehicle liability policy that complies with this chapter or a certificate of self-insurance ... unless
- AS 28.22.101(e)
A motor vehicle liability policy must provide coverage ... in the amounts set out in (d) ... from the owner or operator of an uninsured or underinsured motor vehicle
- AS 21.96.020(e)
The coverage required under (c) and (d) of this section may be waived in writing by the insured in whole or in part.
- AS 28.22.101(d)
Arizona
Arizona requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Your insurer has to offer uninsured and underinsured-motorist coverage in writing, but buying it is your choice.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them; the only mention of medical payments we found is about liens.
- Uninsured and underinsured motorist
- Your insurer must offer uninsured and underinsured motorist coverage in writing, on a state-approved form, up to your injury liability limits. Buying either one is up to you.
- History and recent checks
- 25/50/15 for policies issued or renewed beginning July 1, 2020 (was 15/30/10). No later change found.
- Checked
- September 22, 2026
- Sources
- A.R.S. 28-4009(A)(2)(b)
For a policy that is issued or renewed beginning on July 1, 2020 ... $25,000 ... $50,000 ... $15,000 because of injury to or destruction of property of others
- A.R.S. 28-4135(A)
A motor vehicle that is operated on a highway in this state shall be covered by ... A motor vehicle or automobile liability policy that provides limits not less than those prescribed in section 28-4009.
- A.R.S. 20-259.01(A)-(B)
shall make available to the named insured thereunder and by written notice offer the named insured and at the request of the named insured shall include within the policy uninsured motorist coverage
- A.R.S. 28-4009(A)(2)(b)
Arkansas
Arkansas requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Personal injury protection and uninsured-motorist coverage come with your policy unless you turn them down in writing, and underinsured-motorist coverage must be offered to you.
What we couldn’t confirm: The limits are confirmed on the Arkansas Insurance Department's FAQ. That same FAQ says you "must be offered" uninsured motorist, underinsured motorist, and PIP coverage, which is weaker than the law excerpts we read (those say uninsured motorist coverage and PIP come with the policy unless you turn them down in writing). The official Arkansas Code is only on LexisNexis public access, which blocks direct links behind a captcha, so we saw only search excerpts of those laws, not the full sections. We didn't capture the exact PIP income benefits. We marked medical payments coverage not required because PIP already covers medical bills.
- Personal injury protection
- Medical and hospital benefits up to $5,000 per person, income-disability benefits, and a $5,000 accidental-death benefit; any or all parts may be rejected in writing.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least the state's liability minimums, and your insurer must offer more, up to your own liability limits. Underinsured motorist coverage must be offered, you can turn it down in writing, and it's only sold together with the uninsured coverage.
- History and recent checks
- 25/50/25 in current A.C.A. 27-22-104 (Lexis public-access Arkansas Code, viewed 2026-09-22). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?')
The minimum liability you are required to carry by law is $25,000 per person for bodily injury, $50,000 per accident and $25,000 to cover property damage to other's property.
- A.C.A. 27-22-104 (Lexis public access, search for the section)
Not less than twenty-five thousand dollars ($25,000) for bodily injury or death of one (1) person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) for the damage to or destruction of property of others
- A.C.A. 23-89-403 (Lexis public access, search for the section)
shall be delivered ... unless coverage is provided therein ... [not] applicable when any insured named in the policy has rejected the coverage in writing
- A.C.A. 23-89-209 (Lexis public access, search for the section)
unless the insured has the opportunity, which he or she may reject in writing, to purchase underinsured motorist coverage
- A.C.A. 23-89-202 and 23-89-203 (Lexis public access, search for the section)
shall provide minimum medical and hospital benefits ... up to an aggregate of five thousand dollars ($5,000) per person ... The named insured shall have the right to reject in writing
- Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?')
California
California requires at least $30,000 per person and $60,000 per crash for injuries, plus $15,000 for property damage, for policies issued or renewed since January 1, 2025. Uninsured and underinsured-motorist coverage is included unless you sign a form removing it. The minimums are set to rise again in 2035.
Coming January 1, 2035: Vehicle Code 16056(d) raises each minimum by $20,000/$40,000/$10,000, to $50,000/$100,000/$25,000, for policies issued or renewed from 1 January 2035. Source
Good to know: You can also meet California's requirement with a bond, a cash deposit, or self-insurance instead of a policy. Uninsured motorist coverage in California includes underinsured drivers, so if you keep one you have both.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage comes with every policy that has injury liability, unless you remove it by signing the state's form. You can also agree to lower limits, but not below the state minimums. Any policy with this coverage must also include underinsured motorist coverage.
- History and recent checks
- 30/60/15 for policies issued or renewed on or after Jan 1, 2025 (was 15/30/5). Scheduled: for policies issued or renewed on or after Jan 1, 2035, minimums rise by $20,000/$40,000/$10,000 (to 50/100/25).
- Checked
- September 22, 2026
- Sources
- Cal. Veh. Code 16056(a)(2), (d)
for any policy or bond issued or renewed on or after January 1, 2025 ... thirty thousand dollars ($30,000) ... sixty thousand dollars ($60,000) ... fifteen thousand dollars ($15,000)
- Cal. Veh. Code 16056(d)
For a policy or bond issued or renewed on or after January 1, 2035, the minimum liability coverage shall be increased by twenty thousand dollars ($20,000)
- Cal. Veh. Code 16020(a)
All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility pursuant to Section 16021
- Cal. Ins. Code 11580.2(a)(1), (p)(7)
may, by agreement in writing ... delete the provision covering damage caused by an uninsured motor vehicle completely; Underinsured motorist coverage shall be included in all policies of bodily injury liability insurance providing uninsured motorist coverage
- Cal. Veh. Code 16056(a)(2), (d)
Colorado
Colorado requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Uninsured/underinsured-motorist coverage and $5,000 of medical payments coverage are included unless you turn them down in writing.
What we couldn’t confirm: The newest official statute file we found is the 2024 edition (marked "uncertified"), so we couldn't check 2025-2026 changes against the law's text. You may be able to turn down medical payments coverage the same way you applied (for example, online), not only on paper.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least Colorado's injury liability minimums, and by law it also covers underinsured drivers. Your insurer must offer it at your own injury liability limits. Medical payments coverage is $5,000 unless you turn it down in writing (or the same way you applied, such as online).
- History and recent checks
- 25/50/15 in C.R.S. 10-4-620 (section added 2003, effective July 1). No change found through the 2024 statutes.
- Checked
- September 22, 2026
- Sources
- C.R.S. 10-4-620
twenty-five thousand dollars to any one person in any one accident and fifty thousand dollars to all persons ... fifteen thousand dollars in any one accident
- C.R.S. 10-4-619(1)
Every owner of a motor vehicle who operates the motor vehicle on the public highways of this state ... shall have in full force and effect a complying policy
- C.R.S. 10-4-609(1)(a), (4)
does not apply if the named insured rejects the coverage ... in writing; Uninsured motorist coverage shall include coverage for damage ... from the owner or driver of an underinsured motor vehicle
- C.R.S. 10-4-635(1)
medical payments with benefits of five thousand dollars ... only if the named insured rejects medical payments coverage in writing or in the same medium in which the application for the policy was taken
- C.R.S. 10-4-620
Connecticut
Connecticut requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every policy must include uninsured/underinsured-motorist coverage. It matches your liability limits unless you sign a form lowering it, and it can't go below $25,000/$50,000.
Good to know: Connecticut ended its no-fault system years ago, so PIP isn't required.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Every policy includes combined uninsured and underinsured motorist coverage. It matches your injury liability limits unless you ask in writing, on a signed consent form, for less. It can never go below $25,000 per person and $50,000 per crash. Insurers must offer up to twice your injury liability limits.
- History and recent checks
- 25/50/25 in current Conn. Gen. Stat. 14-112(a), incorporated by 38a-335(a). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Conn. Gen. Stat. 14-112(a)
of twenty-five thousand dollars, or by reason of personal injury to, or the death of, more than one person ... of at least fifty thousand dollars, and for damage to property of at least twenty-five thousand dollars
- Conn. Gen. Stat. 38a-335(a)
Each automobile liability insurance policy shall provide insurance ... with limits not less than those specified in subsection (a) of section 14-112
- Conn. Gen. Stat. 38a-371(a)
The owner of a private passenger motor vehicle required to be registered in this state shall provide and continuously maintain throughout the registration period security
- Conn. Gen. Stat. 38a-336(a)
Each automobile liability insurance policy shall provide insurance, herein called uninsured and underinsured motorist coverage ... with limits for bodily injury or death not less than those specified in subsection (a) of section 14-112
- Conn. Gen. Stat. 14-112(a)
Delaware
Delaware requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. You must also carry personal injury protection (at least $15,000 per person and $30,000 per crash). Uninsured-motorist coverage is included unless you turn it down in writing, and underinsured coverage is an option you can buy.
Good to know: Delaware's PIP pays your own medical bills no matter who caused the crash, but we found no limit on your right to sue, so Delaware isn't marked as a no-fault state.
What we couldn’t confirm: We marked medical payments coverage not required because we found no separate law requiring it. PIP already covers medical bills.
- Personal injury protection
- At least $15,000 per person and $30,000 per crash (medical bills, lost earnings, funeral costs up to $5,000, and more). Delaware also requires at least $10,000 of coverage for damage to property other than vehicles.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least the state's minimums for injuries and property damage (with a $250 deductible for property damage). Insurers must offer more, up to $100,000/$300,000. Underinsured motorist coverage is part of that optional extra.
- History and recent checks
- 25/50/10 in 21 Del. C. 2902(b)(2), incorporated by 2118(a)(1). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- 21 Del. C. 2902(b)(2)
$25,000, because of bodily injury to or death of 1 person in any 1 accident ... $50,000 ... and $10,000, because of injury to or destruction of property of others
- 21 Del. C. 2118(a)
unless the owner has insurance on such motor vehicle providing the following minimum insurance coverage ... $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident
- 18 Del. C. 3902(a)-(b)
No such coverage shall be required in or supplemental to a policy when rejected in writing ... Every insurer shall offer ... additional coverage ... Such additional insurance shall include underinsured bodily injury liability coverage.
- 21 Del. C. 2902(b)(2)
District of Columbia
D.C. requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Uninsured-motorist coverage is mandatory, while personal injury protection and underinsured coverage are options. A new law raises the minimums to $50,000/$100,000/$20,000 starting October 1, 2027.
No-fault is your choice here. If you don't choose, ordinary fault rules apply.
Coming October 1, 2027: D.C. Law 26-155 raises the minimums to $50,000/$100,000/$20,000 (and uninsured-motorist coverage to match) for policies from 1 October 2027. Source
Good to know: D.C. is a "choice" no-fault system. PIP is optional, and the limit on lawsuits only applies if an injured person who has PIP chooses PIP benefits. Without PIP, ordinary fault rules apply.
What we couldn’t confirm: We found no way to turn down uninsured motorist coverage in the law, so it's marked required. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Personal injury protection
- Optional. Insurers must offer PIP (medical and rehabilitation, lost work, funeral), and you can buy any or all parts.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is required: $25,000 per person and $50,000 per crash for injuries, and $5,000 for property damage (with a $200 deductible). You can buy up to 100/300/25. Underinsured motorist coverage is optional; insurers must offer it.
- History and recent checks
- Today's minimums are 25/50/10. A 2026 law (D.C. Law 26-155) takes effect on 1 October 2027: injury liability rises to $50,000/$100,000, property damage to $20,000, and uninsured motorist coverage to 50/100/20. It also requires underinsured motorist coverage (or an "enhanced" version), with ways to waive it, and raises the minimums again every 10 years starting 1 January 2037.
- Checked
- September 22, 2026
- Sources
- D.C. Code 31-2406(b)-(c)
$10,000 for property damage in any 1 accident ... shall be $25,000 per person injured in any 1 accident and $50,000 for all persons injured in any 1 accident
- D.C. Code 31-2403(a)
Each owner of a motor vehicle which is required to be registered ... shall maintain insurance required by § 31-2406
- D.C. Code 31-2406(c-1), (f)(2)
shall include coverage for bodily injury or death in amounts of $25,000 per person ... $5,000 for property damage; optional underinsured motor vehicle coverage
- D.C. Code 31-2404(a); 31-2405(b)
each insurer shall offer ... optional personal injury protection insurance; An insured may obtain, solely at his or her option
- D.C. Law 26-155, secs. 2(a) and 3
inserting the phrase "$20,000 for property damage in any one accident" ... "$50,000 per person ... $100,000 for all persons" ... This act shall apply as of October 1, 2027.
- D.C. Code 31-2406(b)-(c)
Florida
Florida doesn't make most drivers carry bodily-injury liability. You need $10,000 of personal injury protection (PIP), which pays your own medical bills no matter who caused the crash, plus $10,000 of property damage liability. If you add bodily-injury coverage, uninsured-motorist coverage comes with it unless you turn it down in writing.
Good to know: Florida doesn't make most drivers carry injury liability, so those cells are blank. It becomes required ($10,000/$20,000) after certain crashes or violations, and a DUI conviction requires more. Uninsured motorist coverage comes only with policies that include injury liability, so a minimum Florida policy (PIP plus property damage) doesn't have it.
What we couldn’t confirm: We didn't re-read the higher amounts required after a DUI.
- Personal injury protection
- $10,000 for medical and disability benefits (it pays 80% of reasonable medical bills), plus a $5,000 death benefit.
- Uninsured and underinsured motorist
- Only applies if your policy includes injury liability. Then uninsured motorist coverage matches your injury limits unless you pick lower limits or turn it down in writing. In Florida it also covers drivers who have too little insurance.
- History and recent checks
- Property damage $10,000 (s. 324.022) and PIP $10,000 (s. 627.736) are current. Repeal bills in the 2026 session (SB 522 / HB 769) would have ended no-fault and required 25/50 bodily injury. SB 522 'Died in Banking and Insurance'. No change enacted.
- Checked
- September 22, 2026
- Sources
- Fla. Stat. s. 324.022 (property damage requirement)
Every owner or operator of a motor vehicle required to be registered in this state shall establish and maintain the ability to respond in damages ... in the amount of $10,000 because of damage to ... property
- Fla. Stat. s. 627.736 (required PIP benefits)
must provide personal injury protection ... to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits
- Fla. Stat. s. 627.737 (tort exemption / threshold)
is hereby exempted from tort liability for damages ... (a) Significant and permanent loss of an important bodily function.
- Fla. Stat. s. 627.727 (UM/UIM)
No motor vehicle liability insurance policy which provides bodily injury liability coverage shall be delivered ... unless uninsured motor vehicle coverage is provided ... not applicable when ... an insured named in the policy makes a written rejection
- FLHSMV - Insurance Requirements
have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. ... PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000
- Fla. Stat. s. 324.021(7) (BI proof only after crash / FR events)
In the amount of $10,000 because of bodily injury to, or death of, one person in any one crash;
- Florida Senate - SB 522 (2026) status
Last Action: Died in Banking and Insurance
- Fla. Stat. s. 324.022 (property damage requirement)
Georgia
Georgia requires at least $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage. Georgia is an at-fault state with no required PIP. We haven't yet confirmed the uninsured-motorist rule from the official code.
What we couldn’t confirm: Whether uninsured motorist coverage is included is left blank. The official Georgia code is published only through LexisNexis, which we couldn't open. Unofficial copies say this coverage is included unless you turn it down in writing, but we don't cite unofficial copies. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- History and recent checks
- 25/50/25 has not changed. SB 121 (2025, signed) created O.C.G.A. 33-7-16, which requires 50/100/50 after a first DUI conviction and 100/300/100 after a second, for convictions on or after the Act's approval. It does not change the general minimum.
- Checked
- September 22, 2026
- Sources
- Georgia Office of Insurance and Safety Fire Commissioner - Auto
The minimum limits of liability insurance required under Georgia law are: Bodily Injury Liability – $25,000 per person and $50,000 per incident ... Property Damage Liability – $25,000 per incident
- Georgia SB 121 (2025, as passed/signed) - DUI minimums
Bodily injury to or death of one person in any one accident, not less than $50,000.00 ... shall be in lieu of the minimum ... required under Code Section 33-7-11.
- Georgia Office of Insurance and Safety Fire Commissioner - Auto
Hawaii
Since January 1, 2026, Hawaii requires at least $40,000 per person and $80,000 per crash for injuries, plus $20,000 for property damage (up from 20/40/10). You also need $10,000 of personal injury protection, which pays your own medical bills no matter who caused the crash. Uninsured and underinsured motorist coverage are included unless you turn them down in writing.
What we couldn’t confirm: Hawaii's statute site blocks scripts, so we read it in a browser. We didn't open the 2024 law that raised the minimums; the January 1, 2026 start date comes from the Insurance Division's FAQ.
- Personal injury protection
- $10,000 per person.
- Uninsured and underinsured motorist
- Uninsured motorist coverage comes with your policy at your injury liability limits (at least $40,000/$80,000) unless you turn it down in writing. Underinsured motorist coverage is also included and can be turned down the same way, with your signature on the offer.
- History and recent checks
- Limits rose from 20/40/10 to 40/80/20 for new and renewal policies effective on or after January 1, 2026 (L 2024, c 138). PIP stays at $10,000.
- Checked
- September 22, 2026
- Sources
- HRS 431:10C-301 (required motor vehicle policy coverage)
Liability coverage of not less than $40,000 per person, with an aggregate limit of $80,000 per accident ... (2) Liability coverage of not less than $20,000 ... damage to or destruction of property
- HRS 431:10C-301(b)(3)-(4) UM/UIM
the coverage required under this paragraph shall not be applicable where any named insured in the policy shall reject the coverage in writing ... Provide for written rejection of the coverage
- Hawaii Insurance Division - FAQ: Auto Insurance Minimum Limits (Effective January 1, 2026)
As of January 1, 2026, Hawaiʻi law increased the minimum liability insurance coverage limits ... apply to all new and renewal policies with effective dates on or after January 1, 2026.
- HRS 431:10C-103.5 (PIP benefits; limits)
Personal injury protection benefits shall be subject to an aggregate limit of $10,000 per person for services provided under this section.
- HRS 431:10C-306 (abolition of tort liability / threshold)
this article abolishes tort liability ... Tort liability is not abolished ... personal injury protection benefits incurred by such person equal or exceed $5,000
- HRS 431:10C-104 (insurance required)
no person shall operate or use a motor vehicle upon any public street, road, or highway of this State at any time unless such motor vehicle is insured at all times
- HRS 431:10C-301 (required motor vehicle policy coverage)
Idaho
Idaho requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Uninsured and underinsured motorist coverage are included unless you turn them down in writing. Idaho is an at-fault state with no required PIP.
What we couldn’t confirm: We found no 2025 or 2026 bill changing Idaho's minimums, but we didn't search every 2026 bill. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are both included, at least $25,000 per person and $50,000 per crash. You can turn down either or both in writing or electronically.
- History and recent checks
- 25/50/15 is unchanged. Idaho Code 49-117 was last amended in 2022 (ch. 98), and 41-2502 in 2009. No 2025-2026 bill changing the limits was found. The Dept. of Insurance issued Bulletin 26-07 on July 1, 2026 about household exclusions and step-down provisions; it does not change the minimums.
- Checked
- September 22, 2026
- Sources
- Idaho Code 49-117 (definition of proof of financial responsibility)
twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person ... fifty thousand dollars ($50,000) ... fifteen thousand dollars ($15,000) because of injury to or destruction of property
- Idaho Code 49-1229 (insurance required)
Every owner of a motor vehicle which is registered and operated in Idaho ... shall continuously ... provide insurance ... in an amount not less than that required by section 49-117
- Idaho Code 41-2502 (UM/UIM)
A named insured shall have the right to reject either or both uninsured motorist coverage or underinsured motorist coverage, which rejection must be in writing or in an electronic record
- Idaho DOI Bulletin 26-07 (July 1, 2026)
any motor vehicle liability coverage above the statutory minimum (Idaho Code §§ 49-1229 and 49-117(18)) provide the same level of coverage for all insureds
- Idaho Code 49-117 (definition of proof of financial responsibility)
Illinois
Illinois requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage at 25/50 is always included and can't be turned down. If you buy higher limits, underinsured-motorist coverage is added to match.
Good to know: Underinsured motorist coverage isn't needed on a minimum 25/50/20 policy. It becomes required as soon as your uninsured coverage is above 25/50. Your uninsured coverage matches your injury limits unless you turn down the extra in writing.
- Uninsured and underinsured motorist
- Every policy includes uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, and you can't turn that part down. By default it matches your injury liability limits; you can turn down only the amount above 25/50, in writing. Underinsured motorist coverage is required only when your uninsured coverage is above that minimum, and then it must match. So a minimum 25/50/20 policy doesn't need it.
- History and recent checks
- 25/50/20 applies to policies issued or renewed on or after January 1, 2015. The latest amendment to 7-203 (P.A. 102-982, effective 7-1-23) only changed wording ('crash'). No change is scheduled.
- Checked
- September 22, 2026
- Sources
- 625 ILCS 5/7-203 (requirements as to policy or bond)
not less than $25,000 because of bodily injury to or death of any one person ... not less than $50,000 ... not less than $20,000 because of injury to or destruction of property
- 625 ILCS 5/7-601 (required liability insurance policy)
No person shall operate, register or maintain registration of ... a motor vehicle ... unless the motor vehicle is covered by a liability insurance policy.
- 215 ILCS 5/143a (uninsured motor vehicle coverage)
No policy ... shall be renewed, delivered, or issued for delivery in this State unless coverage is provided therein ... in limits for bodily injury or death set forth in Section 7-203
- 215 ILCS 5/143a-2 (additional UM; UIM)
unless underinsured motorist coverage is included in such policy in an amount equal to the total amount of uninsured motorist coverage provided in that policy where such uninsured motorist coverage exceeds the l[imits]
- 625 ILCS 5/7-203 (requirements as to policy or bond)
Indiana
Indiana requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured and underinsured motorist coverage are included unless you turn them down in writing. Underinsured coverage is at least $50,000.
What we couldn’t confirm: Indiana's code site needs JavaScript, so we read it in a browser. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage come with your policy at no less than your injury liability limits, unless you turn them down in writing (together or separately). Underinsured coverage can't be sold below $50,000. Uninsured motorist coverage for property damage is optional; we didn't re-read that law.
- History and recent checks
- Property damage rose from $10,000 to $25,000 on July 1, 2018 (IC 9-25-4-5, as amended by P.L.24-2017). No 2024-2026 change appears in the 2026 Indiana Code.
- Checked
- September 22, 2026
- Sources
- IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code
twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual. (2) Fifty thousand dollars ($50,000) ... Beginning July 1, 2018, twenty-five thousand dollars ($25,000) for damage to ... property
- Indiana BMV - Proof of Financial Responsibility
All motorists that operate a motor vehicle on Indiana roadways are required to maintain the state's minimum amount of liability insurance coverage ... The state of Indiana has a 25/50/25 minimum
- IC 27-7-5-2 (UM/UIM required coverage; rejection), 2026 Indiana Code
in limits at least equal to the limits of liability specified in the bodily injury liability provisions of an insured's policy, unless such coverages have been rejected in writing by the insured
- Indiana Department of Insurance - Auto Insurance
Each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing
- IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code
Iowa
Iowa requires at least $20,000 per person and $40,000 per crash for injuries, plus $15,000 for property damage. These are among the lowest in the country. Uninsured and underinsured motorist coverage are included unless you turn them down in writing.
What we couldn’t confirm: Bills to raise the minimums to 50/100/25 were pending in 2026 and show no passage, but we could have missed a late-session law; the 2026 Iowa Acts would confirm. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage (including hit-and-run) and underinsured motorist coverage are each included at no less than $20,000 per person and $40,000 per crash. You can turn down both, or either one, by signing a separate written rejection.
- History and recent checks
- 20/40/15 applies as printed in Iowa Code 2026. Bills in the 91st General Assembly would raise it to 50/100/25 (SF 119, HF 6, SF 2073, HF 129 renumbered as HF 2352). HF 2352 was 'placed on calendar' on Feb. 9, 2026 with no later action shown. None enacted as of the bill-history pages checked.
- Checked
- September 22, 2026
- Sources
- Iowa Code 321A.1(11) (Iowa Code 2026)
in the amount of twenty thousand dollars because of bodily injury to or death of one person ... forty thousand dollars ... fifteen thousand dollars because of injury to or destruction of property
- Iowa Code 321.20B (financial liability coverage required)
a person shall not drive a motor vehicle on the highways of this state unless financial liability coverage ... is in effect for the motor vehicle
- Iowa Code 516A.1 (UM/UIM in every liability policy; rejection)
the named insured may reject all of such coverage, or reject the uninsured motor vehicle or hit-and-run motor vehicle coverage, or reject the underinsured motor vehicle coverage, by written rejections signed by the named insured
- Iowa Legislature - bill history SF 119 / HF 6 / HF 129 / HF 2352 (91st GA)
A bill for an act relating to the minimum amounts required for motor vehicle financial responsibility ... February 09, 2026 Introduced, placed on calendar.
- Iowa Code 321A.1(11) (Iowa Code 2026)
Kansas
Kansas requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. You also need personal injury protection, which covers at least $4,500 of your own medical bills no matter who caused the crash. Uninsured and underinsured motorist coverage at the minimum limits is always included.
Good to know: The PIP disability benefit depends on your income; $900 a month is the minimum.
What we couldn’t confirm: We didn't check whether the 2026 legislative study of the minimums has made recommendations.
- Personal injury protection
- Minimums: $4,500 medical; $900/month disability/work loss for 1 year; $4,500 rehabilitation; $2,000 funeral; $25/day substitution (in-home services) for 365 days; $900/month survivor benefits
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits and also covers underinsured drivers. You can turn down in writing only the part above $25,000/$50,000, so everyone keeps at least that much.
- History and recent checks
- 25/50/25 applies to policies issued or renewed on or after January 1, 2017 (L. 2016, ch. 72). Starting with the 2026 legislative interim, and at least every 10 years after, a legislative study committee will review whether to change the minimums (40-3107(j)). No change enacted.
- Checked
- September 22, 2026
- Sources
- K.S.A. 40-3107(e) (required policy contents)
not less than $25,000 because of bodily injury to, or death of, one person ... not less than $50,000 ... not less than $25,000 because of harm to or destruction of property of others
- K.S.A. 40-3104 (compulsory coverage)
Every owner shall provide motor vehicle liability insurance coverage in accordance with the provisions of this act for every motor vehicle owned by such person
- K.S.A. 40-3103 (PIP benefit definitions)
"Medical benefits" means ... reasonable expenses, up to a limit of not less than $4,500 ... up to a maximum of not less than $900 per month for not to exceed one year
- K.S.A. 40-3117 (tort threshold)
may recover damages in tort for pain, suffering ... only in the event the injury requires medical treatment ... having a reasonable value of $2,000 or more
- K.S.A. 40-284 (UM/UIM)
Any uninsured motorist coverage shall include an underinsured motorist provision ... right to reject, in writing, the uninsured motorist coverage ... which is in excess of the limits ... set forth in K.S.A. 40-3107
- K.S.A. 40-3107(e) (required policy contents)
Kentucky
Kentucky requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage, or a $60,000 combined limit. You also need $10,000 of personal injury protection. Kentucky is a 'choice' no-fault state: you're under no-fault rules unless you file a form with the Department of Insurance keeping your full right to sue (and be sued). Uninsured-motorist coverage is included unless you reject it in writing; underinsured coverage is optional.
No-fault is your choice here. If you don't choose, no-fault rules apply.
Good to know: Kentucky is a "choice" no-fault state. No-fault applies unless you file a written rejection with the Department of Insurance. Under no-fault, you can sue for pain and suffering only if medical bills pass $1,000 or the injury is serious.
- Combined limit you can use instead
- $60,000
- Personal injury protection
- $10,000 per person (Kentucky calls these basic reparation benefits).
- Uninsured and underinsured motorist
- Uninsured motorist coverage is included at no less than $25,000 per person and $50,000 per crash unless you turn it down in writing. Insurers only have to make underinsured motorist coverage available if you ask, so it's optional.
- History and recent checks
- Split limits of 25/50/25, or a $60,000 combined single limit (KRS 304.39-110, effective June 29, 2017). The $10,000 basic reparation benefit stayed the same when 2026 Ky. Acts ch. 149 (HB 627, effective July 15, 2026) amended 304.39-020; that Act changed PIP medical-fee and fraud provisions. Underinsured motorist coverage statute 304.39-320 was amended in 2024 (ch. 27, effective April 2, 2024).
- Checked
- September 22, 2026
- Sources
- KRS 304.39-110 (required minimum tort liability insurance)
not less than twenty-five thousand dollars ($25,000) ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) ... property ... or 2. Single limits liability coverage of not less than sixty thousand dollars ($60,000)
- KRS 304.39-080(5) (security required)
every owner or operator of a motor vehicle registered in this Commonwealth ... shall continuously provide ... security for the payment of basic reparation benefits ... and security for payment of tort liabilities
- KRS 304.39-020(2) (basic reparation benefits)
The maximum amount of basic reparation benefits payable for all economic loss resulting from injury to any one (1) person as the result of one (1) accident shall be ten thousand dollars ($10,000)
- KRS 304.39-060 (acceptance or rejection of tort limitation - 'choice no-fault')
Any person may refuse to consent to the limitations of his or her tort rights and liabilities ... Such rejection must be completed in writing or electronically in a form to be prescribed by the Department of Insurance
- KRS 304.20-020 (UM coverage)
unless coverage is provided therein ... in limits for bodily injury or death set forth in KRS 304.39-110 ... provided that any named insured shall have the right to reject in writing such coverage
- KRS 304.39-320 (UIM)
Every insurer shall make available, upon request, to its insureds underinsured motorist coverage
- 2026 Ky. Acts ch. 149 (HB 627)
Section 1. KRS 304.39-020 is amended to read as follows: ... shall be ten thousand dollars ($10,000)
- KRS 304.39-110 (required minimum tort liability insurance)
Louisiana
Louisiana requires at least $15,000 per person and $30,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured motorist coverage matches your liability limits unless you reject it or lower it on a signed state form. If you drive without insurance, you can't recover the first $100,000 of your own injury or property damages after a crash.
What we couldn’t confirm: For the 2025 "no pay, no play" change, we read the bill as passed, not the updated law, and didn't confirm its start date. We found no 2026 change to the minimums. We marked medical payments coverage not required because we found no law requiring it.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers. By default it matches your injury liability limits. You can turn it down, pick lower limits, or pick economic-only coverage, but only on the state's form, signed by the policyholder. Limits can't go below the state minimums unless you choose economic-only coverage.
- History and recent checks
- The 15/30/25 limits in R.S. 32:900 have been in place since Jan. 1, 2010 (Acts 2008, No. 921); the section was last amended in 2011. Act 381 of 2024 (HB 511) changed how insurers verify and keep the uninsured motorist coverage rejection form. HB 434 of 2025 changed R.S. 32:866 ('no pay, no play'): uninsured owners can't recover the first $100,000 of bodily-injury damages or the first $100,000 of property damages (it had been $15,000 and $25,000). The minimum limits didn't change.
- Checked
- September 22, 2026
- Sources
- La. R.S. 32:900(B)(2)
(a) Fifteen thousand dollars because of bodily injury to or death of one person ... (b) ... thirty thousand dollars ... (c) Twenty-five thousand dollars because of damage to or destruction of property
- La. R.S. 32:861
It shall be the duty of the registered owner of a motor vehicle to maintain the security hereinabove required.
- La. R.S. 22:1295(1)(a)
unless coverage is provided ... in not less than the limits of bodily injury liability provided by the policy ... uninsured or underinsured motor vehicles ... rejection ... shall be made only on a form prescribed by the commissioner
- 2025 La. HB 434 (Enrolled), amending R.S. 32:866
There shall be no recovery for the first fifteen one hundred thousand dollars of bodily injury (struck-through text = deleted)
- La. R.S. 32:900(B)(2)
Maine
Maine requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Every policy must also include at least $2,000 of medical payments coverage and uninsured/underinsured motorist coverage. That coverage matches your liability limits unless you sign a form choosing less.
Good to know: The medical payments requirement doesn't apply to policies covering more than four vehicles or to garage policies. Maine also requires $500 of towing coverage, which the table doesn't show.
- Uninsured and underinsured motorist
- Maine's "uninsured vehicle coverage" covers both uninsured and underinsured drivers and can't be dropped. On a personal policy it matches your injury liability limits unless you sign the state's form choosing less, and it can never be below $50,000/$100,000.
- History and recent checks
- The current figures appear in 29-A M.R.S. §1605 as shown on the Revisor's site (data extracted Oct. 2025). We found no 2024-2026 change.
- Checked
- September 22, 2026
- Sources
- 29-A M.R.S. §1605(1)(C)
For damage to property, $25,000; For injury to or death of any one person, $50,000; For one accident ... $100,000; For medical payments pursuant to section 1605-A, $2,000
- 29-A M.R.S. §1601
An operator or owner of a vehicle registered in this State ... shall maintain the amounts of motor vehicle financial responsibility specified in section 1605.
- 29-A M.R.S. §1605-A
must provide coverage in an amount equal to or greater than $2,000 per person for medical costs
- 24-A M.R.S. §2902
may not be delivered ... unless coverage is provided ... uninsured, underinsured or hit-and-run motor vehicles ... may not be less than the amount of coverage for liability for bodily injury ... unless the purchaser expressly rejects such an amount
- 29-A M.R.S. §1605(1)(C)
Maryland
Maryland requires at least $30,000 per person and $60,000 per crash for injuries, plus $15,000 for property damage. Your policy also includes $2,500 of personal injury protection unless you waive it in writing. Uninsured motorist coverage, which also covers underinsured drivers, can't be dropped.
What we couldn’t confirm: It isn't marked as a no-fault state because Maryland PIP pays regardless of fault but no statute we found limits lawsuits (it is add-on PIP). We didn't retrieve a statute on that point. Medical payments coverage is marked not required because no statute we found requires it.
- Personal injury protection
- At least $2,500 for medical, hospital, and disability benefits, unless the policyholder signs a written waiver on the state's form.
- Uninsured and underinsured motorist
- You can't drop uninsured motorist coverage. Maryland counts a driver whose limits are lower than yours as uninsured, so it also covers underinsured drivers. The minimum is $30,000/$60,000 for injuries and $15,000 for property damage. On a personal policy it matches your liability limits unless you sign a written waiver, and the waiver only lets you go down toward the minimum, not remove it. "Enhanced" underinsured coverage is available as an option.
- History and recent checks
- 30/60/15 is current under Transp. §17-103. The legislature site shows new versions of Ins. §§19-509 and 19-510 taking effect June 30, 2029 (Ch. 514 of 2023). They cover electing enhanced underinsured coverage in place of standard uninsured motorist coverage. The minimum amounts don't change.
- Checked
- September 22, 2026
- Sources
- Md. Code, Transp. §17-103(b)
up to $30,000 for any one person and up to $60,000 for any two or more persons ... property of others ... up to $15,000
- Md. Code, Transp. §17-104
The owner of a motor vehicle that is required to be registered in this State shall maintain the required security for the vehicle during the registration period.
- Md. Code, Ins. §19-505
Unless waived in accordance with § 19-506 ... The minimum medical, hospital, and disability benefits ... shall include up to $2,500
- Md. Code, Ins. §19-506
the first named insured shall make an affirmative written waiver of those benefits
- Md. Code, Ins. §19-509
each motor vehicle liability insurance policy ... shall contain coverage ... from the owner or operator of an uninsured motor vehicle ... shall at least equal ... the amounts required by Title 17
- Md. Code, Ins. §19-510
shall make an affirmative written waiver of having uninsured motorist coverage in the same amount as the liability coverage
- Md. Code, Transp. §17-103(b)
Massachusetts
For policies issued or renewed since July 1, 2025, Massachusetts requires at least $25,000 per person and $50,000 per crash for injuries, plus $30,000 for property damage. Every policy also includes $8,000 of personal injury protection and uninsured motorist coverage. Massachusetts is a no-fault state, so your own PIP pays first after a crash.
What we couldn’t confirm: The $25,000/$50,000 minimum for uninsured motorist coverage comes from reading the law's cross-reference together with the 2024 increase. mass.gov blocked our tools, so we couldn't quote the insurance division's bulletin; a search result from mass.gov listed the same amount. As far as we found, medical payments coverage is optional.
- Personal injury protection
- $8,000 per person.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is required at the same amounts as injury liability, which we read as 25/50 for policies from 1 July 2025. Underinsured coverage is optional, and your insurer must tell you it's available.
- History and recent checks
- St. 2024, c. 275 raised the minimums from 20/40 bodily injury and $5,000 property damage to $25,000/$50,000 bodily injury and $30,000 property damage. The increase applies to policies issued or renewed on or after July 1, 2025. PIP stays at $8,000.
- Checked
- September 22, 2026
- Sources
- Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition)
not less than $25,000 on account of injury to or death of any one person ... not less than $50,000 on account of any one accident ... at least eight thousand dollars
- Mass. G.L. c.90 §34O
shall also maintain in force either property damage liability insurance ... subject to a limit of not less than $30,000
- St. 2024, c. 275, §§1-4
Sections 1 to 3, inclusive, shall apply to motor vehicle liability policies issued or renewed on or after July 1, 2025.
- Mass. G.L. c.90 §34J
Whoever operates ... a motor vehicle ... during such time as the motor vehicle liability policy or bond or deposit required ... has not been provided
- Mass. G.L. c.175 §113L
No policy shall be issued ... unless such policy provides coverage in amounts or limits prescribed for bodily injury ... uninsured motor vehicles ... if the policyholder ... elects to purchase
- Mass. G.L. c.231 §6D
may recover damages for pain and suffering ... only if the reasonable and necessary expenses ... are in excess of two thousand dollars
- Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition)
Michigan
Michigan policies now start at $250,000 per person and $500,000 per crash for injuries. You can sign a state form to drop that to $50,000/$100,000, the lowest allowed. Every policy includes no-fault personal injury protection (you pick a medical limit) and up to $1 million for damage your car does to property in Michigan. Uninsured and underinsured motorist coverage is optional.
Good to know: The table shows the lowest injury limits you can buy (50/100), not the 250/500 a policy starts with. The $10,000 property-damage figure applies outside Michigan; inside Michigan, damage your car does is paid by up to $1 million of property protection insurance.
What we couldn’t confirm: The state guide that says uninsured and underinsured motorist coverage are optional is an older edition from before 2020; we relied on it only for that point. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Personal injury protection
- PIP medical has been a choice since July 2, 2020: unlimited, $500,000, $250,000, or $50,000 (only if you're on Medicaid and your household is covered). If you make no valid choice, you get unlimited. Some people with Medicare Parts A and B can opt out of PIP medical entirely. Property protection insurance (PPI) pays up to $1,000,000 per crash for damage your car does in Michigan.
- History and recent checks
- Since July 2, 2020 (2019 no-fault reform), the default bodily injury limits in a Michigan policy are $250,000/$500,000 (MCL 500.3009(1)). You can sign the state's form to choose lower limits, but not below $50,000/$100,000 (MCL 500.3009(5)). Those are the lowest limits you can actually buy. The old 20/40/10 still appears in MCL 257.520 (financial-responsibility certificates) and was the policy minimum before July 2, 2020. The $10,000 property damage figure in 500.3009(1)(c) is unchanged; inside Michigan, PPI covers property damage.
- Checked
- September 22, 2026
- Sources
- MCL 500.3009
after July 1, 2020 ... not less than $250,000.00 ... may choose to purchase lower limits ... but not lower than $50,000.00 under subsection (1)(a) and $100,000.00 under subsection (1)(b) ... $10,000.00 because of injury to or destruction of property
- MCL 500.3101
the owner or registrant of a motor vehicle required to be registered in this state shall maintain security for payment of benefits under personal protection insurance and property protection insurance ... and residual liability insurance
- MCL 500.3107c
select 1 of the following coverage levels ... $50,000.00 ... $250,000.00 ... $500,000.00 ... (d) No limit
- MCL 500.3107d
may ... elect to not maintain coverage for personal protection insurance benefits payable under section 3107(1)(a) if the applicant or named insured is a qualified person
- MCL 500.3121(5)
property protection insurance benefits paid under 1 policy for damage to all tangible property arising from 1 accident shall not exceed $1,000,000.00
- MCL 500.3135
subject to tort liability for noneconomic loss ... only if the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement
- MCL 257.520
$20,000.00 because of bodily injury to or death of 1 person ... $40,000.00 ... and $10,000.00 because of injury to or destruction of property
- Michigan DIFS, 'Michigan's Auto Insurance Law Has Changed' guide (pre-reform edition)
Uninsured Motorist/Underinsured Motorist Bodily Injury - These are both optional coverages available from insurers for purchase.
- MCL 500.3009
Minnesota
Minnesota requires at least $30,000 per person and $60,000 per crash for injuries, plus $10,000 for property damage. Every policy also includes $40,000 of no-fault personal injury protection ($20,000 medical and $20,000 for lost income and similar losses). Separate uninsured and underinsured motorist coverage is required at $25,000/$50,000 each.
Good to know: Under no-fault, you can sue for pain and suffering only if medical bills pass $4,000 or the injury is serious, such as a permanent injury or more than 60 days of disability.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it. PIP already covers medical bills.
- Personal injury protection
- $40,000 per person: $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral, and survivor losses.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are separate, and both are required, each at least $25,000 per person and $50,000 per crash. You can't turn either one down.
- History and recent checks
- The current figures appear in the 2025 Minnesota Statutes. HF 2494 / SF 2639 (2025-2026) would have raised them to 60/120 bodily injury and 50/100 uninsured/underinsured motorist coverage. HF 2494 never left committee (last action May 5, 2025), and no enacted change appears on the revisor's page.
- Checked
- September 22, 2026
- Sources
- Minn. Stat. 65B.49, subd. 3(1)
not less than $30,000 because of bodily injury to one person ... not less than $60,000 ... not less than $10,000 because of such injury to or destruction of property
- Minn. Stat. 65B.49, subd. 3a(1)
unless separate uninsured and underinsured motorist coverages are provided therein. Each coverage, at a minimum, must provide limits of $25,000 ... and $50,000
- Minn. Stat. 65B.44, subd. 1
shall provide a minimum of $40,000 ... (1) $20,000 for medical expense loss ... (2) a total of $20,000 for income loss
- Minn. Stat. 65B.48, subd. 1
Every owner of a motor vehicle ... shall maintain during the period in which operation or use is contemplated a plan of reparation security
- Minn. Stat. 65B.51, subd. 3
The sum of the following exceeds $4,000
- Minn. Stat. 65B.49, subd. 3(1)
Mississippi
Mississippi requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured motorist coverage, which also covers underinsured drivers, is included unless you turn it down in writing.
What we couldn’t confirm: The official Mississippi Code is only on LexisNexis, which we couldn't open, so the law's text comes from legislature bill documents that reprint it. One of those bills is from 2020, so a later small change is possible. Medical payments coverage is optional, according to the Mississippi Insurance Department's consumer page.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries and for property damage comes with your policy, at no less than $25,000/$50,000 for injuries and $25,000 for property damage, unless you turn it down in writing. The property damage part may exclude the first $200. Mississippi counts a driver whose limits are lower than yours as uninsured, so this also covers underinsured drivers.
- History and recent checks
- 25/50/25 has been in effect since Jan. 1, 2006 (per the Mississippi Insurance Department). 2026 HB 382, which would have made uninsured motorist coverage mandatory with no rejection, died in committee on Feb. 3, 2026.
- Checked
- September 22, 2026
- Sources
- Mississippi Insurance Department, Auto Insurance consumer page
On January 1, 2006, the minimum liability requirements increased to the following: $25,000 per person ..., $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
- Miss. Code 63-15-3(j) (text as reproduced in 2015 HB 303)
Twenty-five Thousand Dollars ($25,000.00) because of bodily injury to or death of one (1) person ... Fifty Thousand Dollars ($50,000.00) ... Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property
- Miss. Code 83-11-101 (text as reproduced in 2026 HB 382, died in committee)
within limits which shall be no less than those set forth in the Mississippi Motor Vehicle Safety Responsibility Law ... The coverage herein required shall not be applicable where any insured named in the policy shall reject the coverage in writing
- Miss. Code 83-11-103(c)(iii) (text as reproduced in 2020 HB 1046)
An insured motor vehicle, when the liability insurer of such vehicle has provided limits of bodily injury liability ... which are less than the limits applicable to the injured person provided under his uninsured motorist coverage
- MS Legislature bill status, 2026 HB 382
02/03 (H) Died In Committee
- Mississippi Insurance Department, Auto Insurance consumer page
Missouri
Missouri requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every personal auto policy must also include uninsured motorist coverage of at least $25,000/$50,000. Underinsured motorist coverage is optional.
What we couldn’t confirm: We marked underinsured motorist coverage not required because we found no law requiring it; the law only covers how it works if you buy it. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is required on personal policies, at no less than $25,000/$50,000, and there's no way to turn it down. For commercial vehicles and fleets of five or more, it only has to be offered. Underinsured motorist coverage is optional.
- History and recent checks
- RSMo 303.190 has been effective since July 1, 2019, 303.025 since Jan. 1, 2024, and 379.203 since Aug. 28, 1991. We found no change to the minimum amounts in 2024-2026.
- Checked
- September 22, 2026
- Sources
- RSMo 303.190.2(2)
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- RSMo 303.025
No owner of a motor vehicle registered in this state ... shall operate, register or maintain registration ... unless the owner maintains the financial responsibility
- RSMo 379.203.1
No automobile liability insurance ... shall be delivered or issued ... unless coverage is provided therein ... in not less than the limits for bodily injury or death set forth in section 303.030
- Missouri Department of Revenue, Insurance Information
The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
- RSMo 379.204
Any underinsured motor vehicle coverage with limits of liability less than two times the limits ... shall be construed to provide coverage in excess
- RSMo 303.190.2(2)
Montana
Montana requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured motorist coverage is included unless you sign a form turning it down. Underinsured motorist coverage is optional.
Good to know: Montana's law gives you the right to turn down uninsured motorist coverage without saying it has to be in writing, so we mark it "included unless you decline." The state insurance office says you sign a form to do it.
What we couldn’t confirm: We read the insurance office's page through a summarizing tool because it blocked direct downloads. We marked underinsured motorist coverage not required because we found no law requiring it, but no source we read says it's optional. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries comes with your policy at $25,000 per person and $50,000 per crash unless you turn it down. After you do, renewals leave it out unless you ask for it in writing.
- History and recent checks
- The figures appear in MCA 61-6-103 (Montana Code Annotated 2025). We found no 2024-2026 change.
- Checked
- September 22, 2026
- Sources
- MCA 61-6-103(1)(b)
$25,000 because of bodily injury to or death of one person ... $50,000 ... $20,000 because of injury to or destruction of property of others
- MCA 61-6-301(1)
an owner of a motor vehicle that is registered and operated in Montana ... shall continuously provide insurance against loss resulting from liability
- MCA 33-23-201
may not be delivered or issued ... unless coverage is provided ... in limits for bodily injury or death set forth in 61-6-103 ... The named insured has the right to reject the coverage.
- Montana CSI, Auto insurance page
Unless you sign a form stating you do not want Uninsured Motorist coverage, your agent is required by law to provide it to you.
- MCA 61-6-103(1)(b)
Nebraska
Nebraska requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage of at least $25,000/$50,000; there is no written opt-out in the statute.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are each at least $25,000 per person and $50,000 per crash for injuries. If you ask in writing, your insurer must provide more, up to $100,000/$300,000.
- History and recent checks
- No 2024-2026 change found; current text of Neb. Rev. Stat. 60-310 and 44-6408 as published by the Nebraska Legislature.
- Checked
- September 22, 2026
- Sources
- Neb. Rev. Stat. 60-310
in the amount of twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- Neb. Rev. Stat. 60-3,167
without having a current and effective automobile liability policy, evidence of insurance, or proof of financial responsibility
- Neb. Rev. Stat. 44-6408
No policy ... shall be delivered, issued for delivery, or renewed ... unless coverage is provided ... (a) ... uninsured motor vehicle in limits of twenty-five thousand dollars ... and (b) ... underinsured motor vehicle
- Neb. Rev. Stat. 60-310
Nevada
Nevada requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage is included unless you turn it down in writing; underinsured-motorist and medical-payments coverage must be offered but are optional.
What we couldn’t confirm: We marked underinsured motorist coverage optional because the law says insurers "must offer" it, while it requires only uninsured (and hit-and-run) coverage. Nevada's law counts a driver below the state minimum as uninsured, which isn't the same as underinsured coverage.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000 per person and $50,000 per crash. Insurers must offer uninsured and underinsured coverage up to your injury liability limits; underinsured coverage is offered, not required.
- History and recent checks
- NRS 485.185 last amended 2017; NRS chapter 485 page is revised through the 2025 session (Rev. 4/15/2026) and shows no change to the 25/50/20 limits.
- Checked
- September 22, 2026
- Sources
- NRS 485.185
(a) In the amount of $25,000 for bodily injury to or death of one person ... (b) ... $50,000 ... (c) In the amount of $20,000 for injury to or destruction of property
- NRS 690B.020
No such coverage is required ... where rejected in writing, on a form furnished by the insurer describing the coverage being rejected, by an insured named therein
- NRS 687B.145(2)-(3)
must offer, on a form approved by the Commissioner, uninsured and underinsured vehicle coverage ... must offer ... the option of purchasing coverage in an amount of at least $1,000 for ... medical expenses
- NRS 485.185
New Hampshire
New Hampshire doesn't require most drivers to buy car insurance, but you're still on the hook for crash damages, and the state can require insurance after a crash or violation. If you do buy a policy, it must include at least $25,000/$50,000 for injuries, $25,000 for property damage, $1,000 of medical payments, and uninsured-motorist coverage (which also covers underinsured drivers).
Good to know: The "required" marks for uninsured, underinsured, and medical payments coverage apply only if you buy a policy, since most drivers don't have to. The insurance department's guide is from 2022; we confirmed the laws it relies on are current.
- Uninsured and underinsured motorist
- If you buy a policy, uninsured motorist coverage must be at least $25,000/$50,000, and it matches your liability limits if you buy more. New Hampshire counts underinsured drivers as uninsured, so this coverage handles both.
- History and recent checks
- RSA 259:61 last amended 2016; RSA 264:20 unchanged since 1982. No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- RSA 259:61 (motor vehicle liability policy)
at least $25,000 on account of injury to or death of any one person ... at least $50,000 ... and at least $25,000 for damage to property of others
- NH Insurance Department, 2022 Automobile Insurance Consumer Guide
New Hampshire motor vehicle laws do not require you to carry auto insurance ... By law, you must buy at least $1,000 of Medical Payments Coverage.
- RSA 264:20 (amount of proof of financial responsibility)
in the amount of $25,000 because of bodily injury or death to any one person ... $50,000 ... $25,000 because of injury to and destruction of property
- RSA 264:15 (uninsured motorist coverage)
no policy shall be issued ... unless coverage is provided therein ... at least in amounts and limits prescribed for bodily injury or death for a liability policy
- RSA 259:117 (uninsured motor vehicle)
The term shall also include an insured motor vehicle if ... the applicable liability insurance limits are less than the limits of the uninsured motorist coverage
- RSA 264:16 (medical payments)
shall provide medical payments coverage ... in an amount equal to or greater than $1,000 per person
- RSA 259:61 (motor vehicle liability policy)
New Jersey
With a Standard Policy, New Jersey requires at least $35,000 per person and $70,000 per crash for injuries, $25,000 for property damage, at least $15,000 of PIP, and uninsured/underinsured motorist coverage. A cheaper Basic Policy is also legal: it carries $15,000 PIP and $5,000 property damage, with injury liability only as an optional $10,000, and it gives you much less protection.
No-fault is your choice here. We haven't confirmed which rules apply if you don't choose.
Good to know: New Jersey is a "choice" state. With a Standard Policy you pick the limited or unlimited right to sue for pain and suffering; the Basic Policy always has the limited right.
What we couldn’t confirm: We haven't confirmed from an official copy of the law which option applies if you don't choose, so that default is blank. The PIP minimum and the Basic Policy figures ($5,000 property damage, optional $10,000 injury liability) come from the state's 2026 buyer's guide; we didn't read the laws behind them.
- Personal injury protection
- Standard Policy: at least $15,000 per person/accident (up to $250,000 or more available); up to $250,000 for certain serious injuries regardless of the limit you choose. Basic Policy: $15,000 per person/accident.
- Uninsured and underinsured motorist
- A Standard Policy must include uninsured and underinsured motorist coverage at the injury minimums ($35,000/$70,000 from 2026), plus property damage coverage ($25,000 total, $500 deductible). You can buy more, up to your liability limits. A Basic Policy has none.
- History and recent checks
- P.L.2022, c.87 raised Standard minimums: 15/30 before 2023-01-01; 25/50/25 for policies issued or renewed 2023-01-01 to 2025-12-31; 35/70/25 for policies issued or renewed on or after 2026-01-01. Figures above are the current 2026 Standard Policy minimums.
- Checked
- September 22, 2026
- Sources
- P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3)
$35,000 for plans issued or renewed on or after January 1, 2026 ... $70,000 for plans issued or renewed on or after January 1, 2026 ... $25,000 ... for damage to property
- N.J.S.A. 17:28-1.1 as amended by P.L.2022, c.87
Except for a basic automobile insurance policy, no motor vehicle liability policy ... shall be issued ... unless it includes coverage ... from the operator or owner of an uninsured motor vehicle, underinsured motor vehicle
- NJ DOBI, Auto Insurance New Jersey Buyer's Guide (2026)
Car insurance is required in New Jersey. ... PERSONAL INJURY PROTECTION As low as: $15,000 per person or accident ... A minimum amount of Uninsured/Underinsured Motorist Coverage is required.
- P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3)
New Mexico
New Mexico requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Uninsured-motorist coverage, which also covers underinsured drivers, is included unless you turn it down in writing.
What we couldn’t confirm: We couldn't load the official New Mexico statutes. The limits come from Motor Vehicle Division pages that quote the law, and the uninsured motorist wording comes from current-law text reprinted in a 2025 bill (which failed). We didn't read the uninsured motorist minimums in the law itself.
- Uninsured and underinsured motorist
- Uninsured motorist coverage, which by law also covers underinsured drivers, must be at least $25,000/$50,000 for injuries and $10,000 for property damage (up to $250 of property damage may be excluded). You can buy more, up to your liability limits. You can turn it down, but only in writing, and the rejection becomes part of the policy.
- History and recent checks
- No change found. 2025 bills to raise minimums (SB 319) and to remove the uninsured motorist coverage rejection right (HB 97) both died in the 2025 regular session.
- Checked
- September 22, 2026
- Sources
- NM MVD Manual Ch. 11 (quoting NMSA 66-5-205(A), 66-5-208)
$25,000 because of bodily injury to or death of one person ... $50,000 ... $10,000 because of injury to or destruction of property of others in any one accident
- NM MVD FAQ: What automobile insurance am I required to have
You must have an auto insurance liability policy with minimum coverage of: $25,000 ... $50,000 ... and $10,000 for property damage
- NMSA 66-5-301 (current text as reproduced in 2025 HB 97 committee substitute, which died)
The uninsured motorist coverage described in Subsection A of this section shall include underinsured motorist coverage ... The named insured shall have the right to reject uninsured motorist coverage
- 13.12.3.9 NMAC
The rejection of the provisions covering damage caused by an uninsured or unknown motor vehicle as required in writing by the provisions of Section 66-5-301 NMSA 1978 must be endorsed, attached
- NM Legislature, HB 97 (2025) status
Current Location Died
- NM MVD Manual Ch. 11 (quoting NMSA 66-5-205(A), 66-5-208)
New York
New York requires at least $25,000 per person and $50,000 per crash for injuries ($50,000/$100,000 if someone dies), plus $10,000 for property damage. Your policy also must include $50,000 of no-fault (PIP) coverage and basic uninsured-motorist coverage; underinsured-motorist (SUM) coverage is optional.
What we couldn’t confirm: We didn't read the law that says you must carry no-fault coverage; the $50,000 figure comes from the law that defines it.
- Personal injury protection
- $50,000 per person of no-fault benefits for medical bills and lost income.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is required: $25,000 per person for injury ($50,000 for death) and $50,000 per crash for injury ($100,000 for death). Extra coverage for uninsured and underinsured drivers ("SUM") is optional, up to your injury liability limits ($250,000/$500,000 at most).
- History and recent checks
- No 2024-2026 change found in VTL 311 as published by the NY Senate. Death limits are higher: $50,000 per person and $100,000 per crash.
- Checked
- September 22, 2026
- Sources
- N.Y. Veh. & Traf. Law 311(4)
twenty-five thousand dollars because of bodily injuries to and fifty thousand dollars because of death of one person ... a limit of ten thousand dollars because of injury to or destruction of property
- NY Department of Financial Services, "How much auto insurance must I carry?" (plain-language fallback)
a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. Mandatory "no-fault" coverage of $50,000 is also required.
- N.Y. Veh. & Traf. Law 312
No motor vehicle shall be registered in this state unless the application for such registration is accompanied by proof of financial security
- N.Y. Ins. Law 3420(f)
(f)(1) No policy ... shall be issued ... unless it contains a provision ... twenty-five thousand dollars ... (2)(A) Any such policy shall, at the option of the insured, also provide supplementary uninsured/underinsured motorists insurance
- N.Y. Ins. Law 5102
"Basic economic loss" means, up to fifty thousand dollars per person ... "Serious injury" means a personal injury which results in death; dismemberment; significant disfigurement; a fracture
- N.Y. Veh. & Traf. Law 311(4)
North Carolina
Since July 1, 2025, North Carolina requires at least $50,000 per person and $100,000 per crash for injuries, plus $50,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage, which by default match your liability limits.
What we couldn’t confirm: The 2024 law shows the old and new start dates side by side; following North Carolina's usual strike-and-insert style, we read July 1, 2025 as the start. We marked medical payments coverage not required because we found no law requiring it.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries starts at your highest injury liability limit (up to $1 million). You can choose less, but not below $50,000/$100,000. Its property damage part starts at your property damage limit. Underinsured motorist coverage must match your uninsured coverage for injuries.
- History and recent checks
- A 2023 law raised the minimums from 30/60/25 to 50/100/50, and a 2024 law moved the start date from 1 January 2025 to 1 July 2025, for policies issued or renewed on or after that date. The same change made uninsured and underinsured motorist coverage mandatory.
- Checked
- September 22, 2026
- Sources
- N.C.G.S. 20-279.21(b)(2)
fifty thousand dollars ($50,000) because of bodily injury to or death of one person ... one hundred thousand dollars ($100,000) ... fifty thousand dollars ($50,000) because of injury to or destruction of property
- N.C.G.S. 20-309(a)
No motor vehicle shall be registered in this State unless the owner at the time of registration provides proof of financial responsibility
- N.C.G.S. 20-279.21(b)(3), (b)(4), (m)
The named insured is required to purchase uninsured motorist bodily injury coverage, uninsured motorist property damage coverage, and underinsured motorist bodily injury coverage.
- S.L. 2024-29 s.8(c) (amending S.L. 2023-133 s.12(i))
This section becomes effective ... July 1, 2025, and applies to policies issued or renewed on or after that date.
- N.C.G.S. 20-279.1(11)
fifty thousand dollars ($50,000) ... one hundred thousand dollars ($100,000) ... fifty thousand dollars ($50,000) because of injury to or destruction of property
- N.C.G.S. 20-279.21(b)(2)
North Dakota
North Dakota requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. It is a no-fault state: your policy must include $30,000 of no-fault (PIP) benefits, plus uninsured and underinsured motorist coverage.
- Personal injury protection
- $30,000 per person basic no-fault benefits (max $150/week work loss; $3,500 funeral)
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000 per person and $50,000 per crash, and underinsured motorist coverage must match it. You can ask for more, up to your injury liability limits or $100,000/$300,000.
- History and recent checks
- No 2024-2026 change found in the current NDCC chapter PDFs.
- Checked
- September 22, 2026
- Sources
- N.D.C.C. 39-16.1-11
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- N.D.C.C. 26.1-41-02
shall continuously provide ... security for payment of basic no-fault benefits and the liabilities covered under the motor vehicle liability insurance
- N.D.C.C. 26.1-41-01(2), (21)
may not exceed thirty thousand dollars ... "Serious injury" means ... medical expenses in excess of two thousand five hundred dollars
- N.D.C.C. 26.1-40-15.2, 26.1-40-15.3
No motor vehicle liability insurance policy may be delivered ... unless uninsured motorist coverage is provided ... The insurer shall also provide underinsured motorist coverage at limits equal to the limits of uninsured motorist coverage.
- N.D.C.C. 39-16.1-11
Ohio
Ohio requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured- and underinsured-motorist coverage is optional, so ask for it if you want it.
Good to know: You can also show financial responsibility with a bond, a deposit, or self-insurance instead of a policy.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- History and recent checks
- ORC 4509.01 effective April 15, 2021 (no limit change); 4509.101 effective Sept 30, 2025 (HB 96, penalties/administration, not limits). No 2024-2026 change to 25/50/25 found.
- Checked
- September 22, 2026
- Sources
- Ohio Rev. Code 4509.01(K)
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to property of others
- Ohio Rev. Code 4509.101(A)(1)
No person shall operate, or permit the operation of, a motor vehicle in this state, unless proof of financial responsibility is maintained continuously
- Ohio Rev. Code 3937.18(A)
may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both
- Ohio Rev. Code 4509.01(K)
Oklahoma
Oklahoma requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured-motorist coverage, which also covers drivers who don't carry enough insurance, comes with your policy unless you turn it down in writing.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- At least $25,000/$50,000 unless you turn it down in writing, and insurers must offer more, up to your liability limits. Oklahoma counts underinsured drivers as uninsured, so one coverage handles both.
- History and recent checks
- The 25/50/25 minimums are in 47 O.S. 7-324. The 25/50 minimum for uninsured motorist coverage has applied since 1 April 2005. We found no change in 2024-2026.
- Checked
- September 22, 2026
- Sources
- 47 O.S. 7-324
Twenty-five Thousand Dollars ($25,000.00) because of bodily injury to or death of one person ... Fifty Thousand Dollars ($50,000.00) ... Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property
- 47 O.S. 7-601
Every owner of a motor vehicle registered in this state ... shall, at all times, maintain in force with respect to such vehicle security for the payment of loss
- 36 O.S. 3636
No policy ... shall be issued ... unless the policy includes the coverage described in subsection B" / "A named insured or applicant shall have the right to reject uninsured motorist coverage in writing." / "'uninsured motor vehicle' shall also include an insured motor vehicle, the liability limits of which are less than the amount of the claim
- 47 O.S. 7-324
Oregon
Oregon requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Every car policy also has to include personal injury protection (at least $15,000 for medical bills) and uninsured/underinsured-motorist coverage.
Good to know: Oregon's PIP pays your own medical bills no matter who caused the crash, but we found no limit on your right to sue, so Oregon isn't marked as a no-fault state.
What we couldn’t confirm: No law we read says outright that Oregon isn't a no-fault state. We marked medical payments coverage not required because PIP already covers medical bills.
- Personal injury protection
- Required on personal policies: at least $15,000 per person for medical and related expenses, plus other benefits such as lost income.
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits unless you choose lower limits in writing, and it can't go below $25,000/$50,000 or be dropped. It also covers underinsured drivers.
- History and recent checks
- ORS 2025 edition. Property damage $20,000 (amounts last amended 2009 c.66 per history note). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- ORS 806.070
(a) $25,000 because of bodily injury to or death of one person ... $50,000 because of bodily injury to or death of two or more persons ... (c) $20,000 because of injury to or destruction of the property of others
- ORS 806.010
A person commits the offense of driving uninsured if the person operates a motor vehicle in this state on any highway or premises open to the public
- ORS 742.520 and 742.524
Every motor vehicle liability policy issued for delivery in this state that covers any private passenger motor vehicle shall provide personal injury protection benefits" / "but not more than $15,000 in the aggregate
- ORS 742.502
shall provide in the policy or by indorsement on the policy uninsured motorist coverage" / "may not elect limits lower than the amounts prescribed to meet the requirements of ORS 806.070" / "Uninsured motorist coverage must include underinsurance coverage
- ORS 806.070
Pennsylvania
Pennsylvania requires at least $15,000 per person and $30,000 per crash for injuries, plus $5,000 for property damage, and every policy includes a $5,000 medical benefit. Uninsured and underinsured-motorist coverage must be offered to you but is optional. You also choose between 'full tort' and 'limited tort', which affects your right to sue for pain and suffering.
No-fault is your choice here. If you don't choose, ordinary fault rules apply.
Good to know: Pennsylvania is a "choice" state: you pick full tort or limited tort. If you don't choose, the law presumes full tort, which keeps your full right to sue. The required $5,000 medical benefit is shown as PIP; there's no separate medical payments requirement.
- Personal injury protection
- First-party medical benefit of $5,000.
- Uninsured and underinsured motorist
- Insurers must offer uninsured and underinsured motorist coverage, but buying them is optional. You can also ask for lower limits.
- History and recent checks
- 15/30/5 financial responsibility definition in 75 Pa.C.S. 1702; no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- 75 Pa.C.S. 1702
in the amount of $15,000 because of injury to one person in any one accident, in the amount of $30,000 because of injury to two or more persons in any one accident and in the amount of $5,000 because of damage
- 75 Pa.C.S. 1786
Every motor vehicle of the type required to be registered under this title which is operated or currently registered shall be covered by financial responsibility.
- 75 Pa.C.S. 1711
shall include coverage providing a medical benefit in the amount of $5,000.
- 75 Pa.C.S. 1731
Purchase of uninsured motorist and underinsured motorist coverages is optional.
- 75 Pa.C.S. 1705
the availability of two alternatives of full tort insurance and limited tort insurance
- 75 Pa.C.S. 1702
Rhode Island
Rhode Island requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (or a $75,000 combined limit). Uninsured/underinsured-motorist coverage comes with your policy. You can drop it only if you buy just the state minimum and sign a written warning notice.
Good to know: You can drop uninsured motorist coverage only if you buy just the state minimum and sign a written notice, so it's shown as "included unless you decline in writing."
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Combined limit you can use instead
- $75,000
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits. You can pick lower limits in writing, but not below 25/50, and you can drop it entirely only if you buy just the state minimum and sign a written notice. It also covers underinsured drivers. You can turn down its property-damage part in writing.
- History and recent checks
- 31-47-2 amounts last amended by P.L. 2014 per history note; no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- R.I. Gen. Laws 31-47-2
twenty-five thousand dollars ($25,000) because of bodily injury to, or death of, one person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) because of injury to, or destruction of, property ... or seventy-five thousand dollars ($75,000) combined, single limit
- R.I. Gen. Laws 31-47-9
knowingly operate the motor vehicle or knowingly permit it to be operated in this state without having in full force and effect the financial security required by the provisions of this chapter
- R.I. Gen. Laws 27-7-2.1
unless the named insured is purchasing only the minimum coverage required ... in which case the limit can be reduced to zero, but only after signing an advisory notice" / "'uninsured motorist' shall include an underinsured motorist
- R.I. Gen. Laws 31-47-2
South Carolina
South Carolina requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured-motorist coverage is mandatory. Underinsured-motorist coverage must be offered to you but is optional.
What we couldn’t confirm: We marked PIP not required because we found no law requiring it. Medical payments coverage is optional: the law describes it as offered "at the option of the insured."
- Uninsured and underinsured motorist
- Uninsured motorist coverage is required, at no less than $25,000/$50,000 for injuries and $25,000 for property damage (the first $200 of property loss may be excluded). Insurers must offer more, and must offer underinsured motorist coverage, up to your liability limits, but underinsured coverage is optional.
- History and recent checks
- 25/50/25 since 2006 Act No. 395, for policies issued or renewed on or after Jan 1, 2007. Uninsured motorist coverage minimums raised by 2013 Act No. 47, effective Jan 1, 2014. The option to pay a fee and register an uninsured vehicle (56-10-510) was removed by 2023 Act No. 51, effective July 1, 2024.
- Checked
- September 22, 2026
- Sources
- S.C. Code 38-77-140
(1) twenty-five thousand dollars because of bodily injury to one person ... (2) fifty thousand dollars because of bodily injury to two or more persons ... (3) twenty-five thousand dollars because of injury to or destruction of property
- S.C. Code 38-77-150
No automobile insurance policy or contract may be issued or delivered unless it contains ... the uninsured motorist provision" / "no less than twenty-five thousand dollars' coverage for injury to or destruction of the property
- S.C. Code 38-77-160
Such carriers shall also offer, at the option of the insured, underinsured motorist coverage up to the limits of the insured liability coverage
- S.C. Code 56-10-10 and 56-10-510
Every owner of a motor vehicle required to be registered in this State shall maintain the security required" / "Reserved by 2023 Act No. 51, SECTION 5, eff July 1, 2024.
- S.C. Code 38-77-140
South Dakota
South Dakota requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every policy must also include uninsured and underinsured-motorist coverage at the same limits as your injury liability.
What we couldn’t confirm: The legislature's statute pages load with JavaScript, so we read the same text through its data feed. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage must each match your injury liability limits, up to $100,000/$300,000 unless you ask for more, and you can't turn them down. At the $25,000/$50,000 minimum, you carry $25,000/$50,000 of each.
- History and recent checks
- Statute source notes show no amendments to 32-35-70 since 1992 or to 58-11-9.4 since 1997; no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- SDCL 32-35-70
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- SDCL 32-35-113
Every driver or owner of a motor vehicle shall at all times maintain in force one of the forms of financial responsibility
- SDCL 58-11-9
unless coverage is provided therein ... in limits for bodily injury or death equal to the coverage provided by such policy for bodily injury and death
- SDCL 58-11-9.4
unless underinsured motorist coverage is provided therein at a face amount equal to the bodily injury limits of the policy
- SDCL 32-35-70
Tennessee
Tennessee requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (or a $65,000 combined limit). Uninsured-motorist coverage is included at your liability limits unless you turn it down in writing.
What we couldn’t confirm: The official Tennessee code site (Lexis) blocked full access with a captcha, so we read only a search excerpt of the uninsured motorist law. We haven't confirmed whether Tennessee counts underinsured drivers as uninsured, so underinsured motorist coverage is blank. We also didn't read the law that requires insurance itself; that part rests on the Department of Revenue's page. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Combined limit you can use instead
- $65,000
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits unless you turn it down completely in writing, or pick lower limits in writing (not below the state minimums).
- History and recent checks
- Property damage rose from $15,000 to $25,000 and the single-limit option rose to $65,000 for proof required after Dec 31, 2022 (2022 Pub. Ch. 860). Existing policies had until their first renewal after that date.
- Checked
- September 22, 2026
- Sources
- 2022 Tenn. Pub. Acts ch. 860 (amending T.C.A. 55-12-102(12))
If proof is required after December 31, 2022 ... not less than twenty-five thousand dollars ($25,000) for bodily injury ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) for damage to property
- Tennessee Department of Revenue - Financial Responsibility Law
$25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $25,000 for property damage per accident.
- T.C.A. 56-7-1201 (Lexis public access, search for the section)
(3) However, any named insured may reject in writing the uninsured motorist coverage completely or select lower limits of the coverage but not less than the minimum coverage
- 2022 Tenn. Pub. Acts ch. 860 (amending T.C.A. 55-12-102(12))
Texas
Texas requires at least $30,000 per person and $60,000 per crash for injuries, plus $25,000 for property damage. Personal injury protection (PIP) and uninsured/underinsured-motorist coverage come with your policy unless you turn them down in writing.
Good to know: Texas is an at-fault state even though PIP comes with your policy by default. We found nothing in the law that limits your right to sue.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Personal injury protection
- $2,500 per person is the standard amount; the law doesn't require insurers to offer more.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers, at no less than the state minimums (30/60/25), including property damage.
- History and recent checks
- 30/60/25 effective January 1, 2011 (Transp. Code 601.072(a-1)); no change found for 2024-2026.
- Checked
- September 22, 2026
- Sources
- Tex. Transp. Code 601.072
Effective January 1, 2011 ... (1) $30,000 for bodily injury to or death of one person in one collision; (2) $60,000 ... (3) $25,000 for damage to or destruction of property
- Tex. Transp. Code 601.051
A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through: (1) a motor vehicle liability insurance policy
- Tex. Ins. Code 1952.101
unless the insurer provides uninsured or underinsured motorist coverage in the policy ... does not apply if any insured named in the insurance policy rejects the coverage in writing
- Tex. Ins. Code 1952.152-1952.153
unless the insurer provides personal injury protection coverage ... does not apply if any insured named in the insurance policy rejects the coverage in writing. ... amount that exceeds $2,500
- Texas Department of Insurance, Auto insurance guide
at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage
- Tex. Transp. Code 601.072
Utah
Utah requires at least $30,000 per person and $65,000 per crash for injuries, plus $25,000 for property damage, on policies issued or renewed since January 1, 2025. Your policy also must include $3,000 of personal injury protection. Uninsured and underinsured-motorist coverage are included unless you turn them down in writing.
What we couldn’t confirm: We didn't read the law that requires owners to carry insurance directly; that part rests on the insurance code's reference to it. We marked medical payments coverage not required because PIP already covers medical bills.
- Combined limit you can use instead
- $90,000
- Personal injury protection
- At least $3,000 per person for medical expenses, plus other listed benefits (e.g., $3,000 death benefit).
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage match your liability limits (or the insurer's maximum, if lower). You can turn them down or buy lower limits by signing a form, but uninsured motorist coverage can't go below the state's injury minimums.
- History and recent checks
- Policies issued or renewed on or after Jan 1, 2025: 30/65/25 or a $90,000 combined single limit. Through Dec 31, 2024 it was 25/65/15 or $80,000. 31A-22-302, -305, -305.3 and -309 were amended in the 2026 General Session (effective 5/6/2026); the 304 limits were not changed.
- Checked
- September 22, 2026
- Sources
- Utah Code 31A-22-304
a policy issued or renewed on or after January 1, 2025 ... $30,000 ... $65,000 ... $25,000 ... or (b) $90,000 in any one accident
- Utah Code 31A-22-302
uninsured motorist coverage ... unless affirmatively waived ... underinsured motorist coverage ... unless affirmatively waived ... personal injury protection under Sections 31A-22-306 through 31A-22-309
- Utah Code 31A-22-307
up to the minimum amount required coverage of not less than $3,000 per person
- Utah Code 31A-22-309
may not maintain a cause of action for general damages ... except where the person sustains ... (vi) medical expenses to a person in excess of $3,000.
- Utah Code 31A-22-305 and 31A-22-305.3
the named insured may reject uninsured motorist coverage by an express writing to the insurer
- Utah Code 31A-22-304
Vermont
Vermont requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Every policy must also include uninsured/underinsured-motorist coverage of at least $50,000 per person and $100,000 per crash.
What we couldn’t confirm: Vermont's online statutes include laws through the 2025 session, so a 2026 change can't be fully ruled out. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Combined uninsured and underinsured motorist coverage is required: at least $50,000 per person and $100,000 per crash for injuries, plus up to $10,000 for property damage ($150 deductible). If your liability limits are higher, it matches them unless you ask otherwise.
- History and recent checks
- Vermont Statutes Online reflects the 2025 session; history shows the last amendment to 800 effective July 1, 2024 (not to the dollar amounts). No 2026 change to the limits was found, but the online code may not yet include 2026 acts.
- Checked
- September 22, 2026
- Sources
- 23 V.S.A. 800
in the amounts of at least $25,000.00 for one person and $50,000.00 for two or more persons killed or injured and $10,000.00 for damages to property in any one crash
- 23 V.S.A. 941
unless coverage is provided ... from owners or operators of uninsured, underinsured, or hit-and-run motor vehicles" / "not less than $50,000.00 for one person and $100,000.00 for two or more persons
- 23 V.S.A. 800
Virginia
For policies starting on or after January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage at those minimums is always included. Since July 1, 2024, you can no longer pay a fee to drive uninsured.
Good to know: You can turn down only the uninsured and underinsured coverage above the state minimum. The minimum amount has no opt-out.
What we couldn’t confirm: The date the uninsured motor vehicle fee ended comes from the Virginia DMV's announcement; we didn't read the 2023 law that ended it.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage come together in one part of the policy. They must be at least $50,000/$100,000/$25,000 and match your liability limits unless you turn down the amount above the minimum.
- History and recent checks
- 50/100/25 for policies effective on or after January 1, 2025 (was 30/60/20 for policies effective 2022-01-01 through 2024-12-31). The option to pay an uninsured motor vehicle fee instead of buying insurance ended July 1, 2024.
- Checked
- September 22, 2026
- Sources
- Va. Code 46.2-472
For all policies effective on or after January 1, 2025 ... $50,000 because of bodily injury to or death of one person ... $100,000 ... $25,000 because of injury to or destruction of property
- Virginia DMV, Insurance Requirements
Policies effective Jan. 1, 2022 through December 31, 2024 $30,000 $60,000 $20,000 Policies effective on or after Jan. 1, 2025 $50,000 $100,000 $25,000
- Virginia DMV, New Laws Take Effect July 1, 2024
DMV will no longer collect the Uninsured Motor Vehicle (UMV) fee. All vehicles registered in Virginia will be required to obtain an insurance policy that meets Virginia's liability limits.
- Va. Code 46.2-706
Every person applying for registration of a motor vehicle shall ... furnish to the Commissioner his certificate that the motor vehicle is an insured motor vehicle
- Va. Code 38.2-2206
within limits not less than the requirements of 46.2-472 ... unless any one named insured rejects the additional uninsured motorist insurance coverage ... shall also provide underinsured motorist insurance coverage with limits that shall be equal to the uninsured motorist
- Va. Code 38.2-2201
Upon request of an insured, each insurer ... shall provide on payment of the premium, as a minimum coverage
- Va. Code 46.2-472
Washington
Washington requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Underinsured-motorist coverage (which also covers uninsured drivers) is included unless you reject it in writing. Your insurer must offer PIP, and you have to reject it in writing if you don't want it.
Good to know: The law calls PIP "an optional coverage" that insurers must offer, so it's marked not required. But to go without it, you have to turn it down in writing.
- Personal injury protection
- Insurers must offer PIP with at least $10,000 medical/hospital, $2,000 funeral, $10,000 income continuation (max $200/week), and $5,000 loss of services (max $200/week). You can reject it in writing.
- Uninsured and underinsured motorist
- Washington counts a driver with no insurance as underinsured, so one coverage handles both. It matches your liability limits unless you turn down all or part of it in writing.
- History and recent checks
- 25/50/10 unchanged since 1980 (RCW 46.29.090 history); no 2024-2026 change found. RCW 46.30.020 was amended by 2025 c 332 but the minimum amounts still reference RCW 46.29.090.
- Checked
- September 22, 2026
- Sources
- RCW 46.29.090
not less than twenty-five thousand dollars because of bodily injury to or death of one person ... not less than fifty thousand dollars ... not less than ten thousand dollars because of injury to or destruction of property
- RCW 46.30.020
No person may operate a motor vehicle subject to registration ... unless the person is insured under a motor vehicle liability policy with liability limits of at least the amounts provided in RCW 46.29.090
- RCW 48.22.030
unless coverage is provided therein or supplemental thereto for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of underinsured motor vehicles ... may reject, in writing, underinsured coverage
- RCW 48.22.085
may be issued unless personal injury protection coverage is offered as an optional coverage. (2) A named insured may reject, in writing, personal injury protection coverage
- RCW 48.22.095
must offer minimum personal injury protection coverage ... (a) Medical and hospital benefits of ten thousand dollars; (b) A funeral expense benefit of two thousand dollars
- RCW 46.29.090
West Virginia
West Virginia requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured-motorist coverage at those amounts is always part of your policy; underinsured-motorist coverage is an option your insurer has to offer.
What we couldn’t confirm: We marked underinsured motorist coverage not required because the law says the policy must "provide an option" for it. We found no general PIP or medical payments requirement, and no-fault status is inferred from the absence of any PIP or lawsuit-limit law.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000/$50,000/$25,000, and the first $300 of property damage may be excluded. Insurers must offer more, up to 100/300/50, and must offer underinsured coverage as an option.
- History and recent checks
- 25/50/25 beginning January 1, 2016 (was 20/40/10). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- W. Va. Code 17D-4-2
Beginning January 1, 2016 ... $25,000 because of bodily injury to or death of one person ... $50,000 ... $25,000 because of injury to or destruction of property of others
- W. Va. Code 17D-2A-3
Every owner or registrant of a motor vehicle required to be registered and licensed in this state shall maintain security as hereinafter provided in effect continuously
- W. Va. Code 33-6-31
Nor may any such policy ... be so issued ... unless it contains an endorsement ... uninsured motor vehicle, within limits which shall be no less than the requirements of section two, article four, chapter seventeen-d
- W. Va. Code 17D-4-2
Wisconsin
Wisconsin requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Uninsured-motorist coverage is always included, and $1,000 of medical payments coverage is included unless you turn it down. Underinsured-motorist coverage is optional.
Good to know: The law lets you turn down medical payments coverage without saying the first refusal has to be in writing, so it's marked "included unless you decline." Town mutual insurers don't have to include uninsured motorist coverage.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least $25,000 per person and $50,000 per crash. Underinsured motorist coverage is optional; insurers must tell you it's available, and if you buy it, it must be at least $50,000/$100,000. Medical payments coverage of at least $1,000 per person comes with the policy unless you turn it down.
- History and recent checks
- 25/50/10 in s. 344.33(2) and s. 344.01(2)(d); no 2024-2026 change found. Current uninsured, underinsured, and medical payments rules reflect 2011 Wisconsin Act 14 (underinsured motorist coverage notice applies to policies effective after Nov. 1, 2011).
- Checked
- September 22, 2026
- Sources
- Wis. Stat. 344.33(2)
(a) Twenty-five thousand dollars because of bodily injury to or death of one person ... (b) ... $50,000 ... (c) Ten thousand dollars because of injury to or destruction of property
- Wis. Stat. 344.62(1) and 344.61(2)(c)
no person may operate a motor vehicle upon a highway in this state unless the owner or operator of the vehicle has in effect a motor vehicle liability policy
- Wis. Stat. 632.32(4)
uninsured motorist coverage, in limits of at least $25,000 per person and $50,000 per accident. 2. Medical payments coverage, in the amount of at least $1,000 per person ... the named insured may reject medical payments coverage
- Wis. Stat. 632.32(4m)
notice of the availability of underinsured motorist coverage ... Acceptance or rejection of underinsured motorist coverage ... need not be in writing
- Wis. Stat. 344.33(2)
Wyoming
Wyoming requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage comes with your policy unless you turn it down.
Good to know: The law lets you turn down uninsured motorist coverage without saying the first refusal has to be in writing, so it's marked "included unless you decline."
What we couldn’t confirm: We found no underinsured motorist requirement in the traffic laws, but we didn't check the insurance code for a rule that insurers must offer it.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least $25,000/$50,000. There's no property-damage requirement.
- History and recent checks
- 25/50/20 per W.S. 31-9-405(b) and 31-9-102(a)(xi) in the official Title 31 compilation (PDF dated May 8, 2026); no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Wyo. Stat. 31-9-405(b)
twenty-five thousand dollars ($25,000.00) because of bodily injury to or death of one (1) person ... fifty thousand dollars ($50,000.00) ... twenty thousand dollars ($20,000.00) because of injury to or destruction of property
- Wyo. Stat. 31-4-103(a)
No owner of a motor vehicle ... shall operate or permit the operation of his motor vehicle without having in full force and effect a motor vehicle liability policy in amounts provided by W.S. 31-9-405(b)
- Wyo. Stat. 31-10-101
unless coverage is provided therein ... in limits for bodily injury or death as provided by W.S. 31-9-102(a)(xi) ... uninsured motor vehicles ... The named insured may reject the coverage.
- Wyo. Stat. 31-9-405(b)
Want the full detail on each source (who owns it, the terms, and exactly which fields we took)? It's in the source list on GitHub.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.