Car insurance requirements by state
Minimum coverage side by side, with a full guide for each state.
| State | Bodily injury liability | Property damage | Other required coverage |
|---|---|---|---|
| California | $30,000 per person / $60,000 per accident | $15,000 per accident | – |
| Florida | Not required for most drivers | $10,000 per accident | Personal injury protection (PIP): $10,000 per accident |
| Georgia | $25,000 per person / $50,000 per accident | $25,000 per accident | – |
| Illinois | $25,000 per person / $50,000 per accident | $20,000 per accident | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident |
| Indiana | $25,000 per person / $50,000 per accident | $25,000 per accident | – |
| Kentucky | $25,000 per person / $50,000 per accident | $25,000 per accident | PIP $10,000 |
| Missouri | $25,000 per person / $50,000 per accident | $25,000 per accident | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident |
| New York | $25,000 per person / $50,000 per accident | $10,000 per accident | Personal injury protection (PIP): $50,000 per person; Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident |
| Ohio | $25,000 per person / $50,000 per accident | $25,000 per accident | – |
| Pennsylvania | $15,000 per person / $30,000 per accident | $5,000 per accident | First-party medical benefits: $5,000 per person |
| Tennessee | $25,000 per person / $50,000 per accident | $25,000 per accident | – |
| Texas | $30,000 per person / $60,000 per accident | $25,000 per accident | – |
| Virginia | $50,000 per person / $100,000 per accident | $25,000 per accident | – |
| West Virginia | $25,000 per person / $50,000 per accident | $25,000 per accident | Uninsured motorist: Must be included on liability policies |
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Last checked October 2026. Laws change; confirm current rules with your state agency. Limits like $25,000 / $50,000 mean per person / per accident.
FAQs
What is the minimum car insurance by state?
Each state sets its own minimum liability limits, and some also require coverage such as personal injury protection or uninsured motorist coverage. The table above shows the states we cover, checked October 2026.
Is the state minimum enough?
Minimum limits may not fully cover a serious accident. If you own a home or have savings to protect, consider higher limits.
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