Car Insurance by State: Rates & Requirements

Moving to a new state? Or just want to learn about your state's specific auto insurance requirements and discounts? Our state car insurance guides makes it easy to find the information you need. Explore everything from defensive driving courses and graduated licensing laws to car registration requirements and more. Start by selecting your state below and learn more about car insurance requirements in your state.

States

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Minimum Car Insurance Requirements for US States

Each state requires different types and levels of car insurance. However, most states mandate at least a minimum level of liability insurance to help cover costs if you're at fault in an accident. This helps protect other drivers on the road by making sure you can pay for damages or injuries you cause. Car insurance requirements aren’t just about legal compliance—they’re designed to promote financial responsibility and keep everyone on the road safer. Below are the minimum car insurance requirements for each state.

State
Required liability coverage
Additional required coverage
Alabama
25/50/25
None
Alaska
50/100/25
None
Arizona
25/50/15
None
Arkansas
25/50/25
None
California
30/60/15
None
Colorado
25/50/15
None
Connecticut
25/50/25
UM/UIM
Delaware
25/50/10
PIP
District of Columbia
25/50/10
UMPD
Florida
10/20/10
PIP
Georgia
25/50/25
None
Hawaii
20/40/10
PIP
Idaho
25/50/15
None
Illinois
25/50/20
UM/UIM
Indiana
25/50/25
None
Iowa
20/40/15
None
Kansas
25/50/25
PIP, UM/UIM
Kentucky
25/50/25
None
Louisiana
15/30/25
None
Maine
50/100/25
UM/UIM
Maryland
30/60/15
UM/UIM
Massachusetts
25/50/30
UM/UIM
Michigan
50/100/10
None
Minnesota
30/60/10
UM/UIM
Mississippi
25/50/25
None
Missouri
25/50/25
UM/UIM
Montana
25/50/20
UM
Nebraska
25/50/25
UM/UIM
Nevada
25/50/20
None
New Hampshire*
25/50/25*
None
New Jersey
25/50/25
PIP, UM/UIM
New Mexico
25/50/10
None
New York
25/50/10
PIP, UM/UIM
North Carolina
50/100/50
UM/UIM
North Dakota
25/50/25
PIP, UM/UIM
Ohio
25/50/25
None
Oklahoma
25/50/25
None
Oregon
25/50/20
PIP, UM/UIM
Pennsylvania
15/30/5
None
Rhode Island
25/50/25
None
South Carolina
25/50/25
UM/UIM
South Dakota
25/50/25
UM/UIM
Tennessee
25/50/25
None
Texas
30/60/25
None
Utah
30/65/25
PIP
Vermont
25/50/10
UM/UIM
Virginia
50/100/25
UM/UIM
Washington
25/50/10
None
West Virginia
25/50/25
UM
Wisconsin
25/50/10
UM/UIM
Wyoming
25/50/20
None

*New Hampshire does not mandate car insurance but requires proof of financial responsibility. If a policy is purchased, the listed minimums apply.

Digital ID Cards

For most states, you can get a copy of your digital ID cards through GEICO Mobile as valid proof-of-insurance. Currently, MA and NH do not accept the digital ID cards available through GEICO Mobile as valid proof-of-insurance.

Are you looking for more information about car insurance?

We can help you find more information about other car insurance topics:

Are you ready to get an auto insurance quote?

There are a few things you will need to have handy to help make the process smoother and faster:

  • A valid driver's license
  • You vehicle identification number (VIN)
  • The physical address where your vehicle is stored

If you are moving to a new state, you may need to update your driver's license and vehicle registration to the new state. Some states require you to do so within a limited period of time. Check you state's Department of Motor Vehicle website for more details.

Once you are ready, you can always get a free online car insurance quote with GEICO.

Car Insurance by State FAQs

  • Are car insurance laws the same in every state?

    Each state has its own rules about the minimum amount of coverage you need to drive legally. Some states require liability only, while others may include personal injury protection or uninsured motorist coverage. A GEICO insurance specialist can help you determine what car insurance coverage is required where you live.

  • Do I need to update my car insurance if I move to another state?

    Yes. When you move to a new state, you'll need to update your car insurance to meet that state’s legal requirements. If your new state has the same car insurance requirements as your previous state, you still need to update your address and contact information.

  • Will my insurance automatically adjust to my new state’s requirements?

    No, your car insurance coverage will not automatically change. You'll need to notify GEICO of your move so we can update your coverage to meet the laws in your new state.

  • Can I keep my out-of-state insurance if I’m only living temporarily in a new state?

    In many situations, you can keep your out-of-state insurance if you’re only living in a new state temporarily. However, every case is different, so it’s best to speak with a GEICO insurance specialist to see what’s right for you.

  • Will my premium go up or down when I move to a different state?

    Whether your premium goes up or down when you move to a different state depends on where you move. Insurance rates are based on several location-specific factors like traffic patterns, local repair costs, theft rates, and weather risks. When you move, GEICO recalculates your rate based on your new ZIP code.

  • Do I need to notify GEICO when I change my address or move states?

    Yes, it’s important to let us know when you move, even if it’s just down the street. Your address affects your coverage and rate, so keeping it up to date ensures your policy stays accurate.