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Every state requires you to have insurance to drive legally, though the minimum amount you need varies from place to place. Some states also require additional coverage, such as personal injury protection. This means the car insurance coverages and limits that work for a friend or family member living elsewhere might not be right for you.
No matter how much car insurance you need, it's worth shopping around and comparing quotes before buying a policy to find affordable car insurance for your area.
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Are there states that don’t require car insurance?
All states require car insurance. There may be an exception if you live in an area of Alaska, for example, that’s so remote that even registering a vehicle is not required, but this isn’t common. In some states, like New Hampshire, you may show a bond, certificate of deposit or cash to the DMV instead of the state minimum car insurance. Since the payment amount varies widely from state to state, and can be very expensive, it’s easier for many people to carry insurance — and it’s less risky.
Check the table below for minimum car insurance requirements in your state (then read on for more detail about each coverage type).
| State | Requirements |
|---|---|
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| (Car insurance is optional for certain remote residents) $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $15,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $15,000 personal injury protection per person $30,000 personal injury protection per accident | |
| $10,000 property damage liability per accident $10,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $20,000 bodily injury liability per person $40,000 bodily injury liability per accident $10,000 property damage liability per accident $10,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $20,000 bodily injury liability per person $40,000 bodily injury liability per accident $15,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident Personal injury protection including $4,500 per person in medical expenses, $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation Survivors' benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services for up to one year | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident Or a policy with a single limit of $60,000 | |
| $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident Or a combined single liability limit of $125,000 $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $2,000 medical payments coverage | |
| $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $15,000 property damage liability per accident $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $15,000 uninsured/underinsured property damage coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $30,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $8,000 personal injury protection | |
| $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $10,000 property damage liability per accident outside Michigan $1 million property protection within Michigan $250,000* personal injury protection *Lower PIP limits available for certain Medicare and Medicaid recipients. | |
| $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $40,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $25,000 uninsured/underinsured motorist property damage coverage $1,000 medical payments coverage | |
| $5,000 property damage liability per accident $15,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $50,000 liability for death per person $100,000 liability for death per accident $10,000 property damage liability per accident $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection | |
| $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $50,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $50,000 uninsured motorist property damage coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $30,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $15,000 personal injury protection | |
| $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident $5,000 medical payments coverage | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident | |
| $30,000 bodily injury liability per person $65,000 bodily injury liability per accident $25,000 property damage liability per accident $3,000 personal injury protection | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $10,000 uninsured/underinsured motorist property damage coverage per accident | |
| $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $25,000 uninsured/underinsured motorist property damage coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $5,000 uninsured motorist property damage coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident | |
| $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident |
» MORE: The key types of car insurance.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.on NerdWallet
Understanding your required coverages
Liability insurance
Every state requires at least a minimum amount of liability insurance, with some minor exceptions. Liability insurance helps pay for any damage you cause to another driver, their passengers or any property, such as their car.
Liability coverage has three parts:
- Bodily injury coverage per person. This coverage pays for medical and related expenses for the other drivers and passengers involved in an accident that you cause.
- Bodily injury coverage per accident. This is the total amount of bodily injury coverage that your policy provides for the entire accident.
- Property damage coverage per accident. This coverage repairs or replaces property you damage in an accident.
These limits are usually shown as numbers and slashes, such as 15/30/10. If you had a policy with these hypothetical limits, your liability coverage would pay up to $15,000 per person for bodily injuries related to an accident, but no more than $30,000 for the entire incident. You'd also be covered for a total of up to $10,000 in property damage.
Be aware that a serious accident could quickly cause expenses to pile up past what your insurance will cover. This is one reason why it’s a good idea to carry more than the minimum amount of liability insurance.
If you have a high net worth and a lot of assets, an umbrella policy can provide even more liability protection.
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Uninsured/Underinsured Motorist Coverage
Almost half of states require uninsured and underinsured motorist coverage. These help with the cost of injuries to you or your passengers if you're hit by a driver who doesn't have enough, or any, car insurance.
A few states also require uninsured/underinsured motorist property damage coverage, which can pay for damage to your car or other property. The minimum limits for all of these coverages are often similar or identical to your state's liability insurance limits.
Personal injury protection
Roughly 20% of states require personal injury protection, which covers medical expenses, lost wages and other costs for you and your passengers after an accident, regardless of fault. Personal injury protection is often associated with “no-fault” states, where your insurance covers your own expenses after an accident.
Medical payments coverage
Like personal injury protection, medical payments coverage helps pay for your medical expenses if you’re injured in an accident. Medical payments coverage has lower limits than PIP, and it doesn’t cover lost wages or provide other additional benefits.
Even though medical payments coverage usually has a low limit, it may be helpful for those with high health insurance deductibles. This coverage is required in Maine and New Hampshire.
Comprehensive and collision coverage
Unless you own your car outright, you’ll probably need to have comprehensive and collision insurance. No states require drivers to have these coverages, but loan lenders and leasing agreements often do.
Comprehensive and collision coverage both pay for physical damage to your car. The coverage that applies depends on what caused the damage. Comprehensive insurance covers damage from weather, water, hail, tree branches and more, while collision insurance pays for damage from hitting a structure or another car.
Optional coverages
While meeting state minimum car insurance requirements is important, you don't have to stop there. In fact, the bare minimum won’t be enough in most cases.
There are many additional optional coverages available, such as:
- Rental reimbursement. Pays for a rental while your car is in the shop.
- Roadside assistance. Helps you if you’re stranded by providing services like towing, jump-starts and fuel delivery.
- Full glass coverage. Pays to repair broken window glass, without a deductible.
- Gap insurance. Covers the difference between your totaled car’s value and your loan balance.
» MORE: What does car insurance cover?
Methodology
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2023 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
- No moving violations.
- "Good driving" discount applied.
- Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person.
$300,000 per crash.
$300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person.
$300,000 per crash.
$300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
- We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
- For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
- For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
- For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
- For young drivers, we considered 20-year-olds with good credit and no driving violations.
- For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
- For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
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