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Car insurance requirements by state

Every jurisdiction's current minimums, penalties, SR-22 rules, and local risks — each verified against official sources and dated.

State law guide

Alabama car insurance requirements

Minimum auto insurance in Alabama: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Alaska car insurance requirements

Minimum auto insurance in Alaska: 50/100/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Arizona car insurance requirements

Minimum auto insurance in Arizona: 25/50/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Arkansas car insurance requirements

Minimum auto insurance in Arkansas: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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California car insurance requirements

Minimum auto insurance in California: 30/60/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Colorado car insurance requirements

Minimum auto insurance in Colorado: 25/50/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Connecticut car insurance requirements

Minimum auto insurance in Connecticut: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Delaware car insurance requirements

Minimum auto insurance in Delaware: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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District of Columbia car insurance requirements

Minimum auto insurance in District of Columbia: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Florida car insurance requirements

Minimum auto insurance in Florida: PD 10k + PIP 10k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Georgia car insurance requirements

Minimum auto insurance in Georgia: 25/50 + PD 25k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Hawaii car insurance requirements

Minimum auto insurance in Hawaii: 40/80 + PD 20k + PIP 10k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Idaho car insurance requirements

Minimum auto insurance in Idaho: 25/50/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Illinois car insurance requirements

Minimum auto insurance in Illinois: 25/50/20 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Indiana car insurance requirements

Minimum auto insurance in Indiana: 25/50 + PD 25k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Iowa car insurance requirements

Minimum auto insurance in Iowa: 20/40/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Kansas car insurance requirements

Minimum auto insurance in Kansas: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Kentucky car insurance requirements

Minimum auto insurance in Kentucky: 25/50 + PD 25k + PIP 10k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Louisiana car insurance requirements

Minimum auto insurance in Louisiana: 15/30/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Maine car insurance requirements

Minimum auto insurance in Maine: 50/100/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Maryland car insurance requirements

Minimum auto insurance in Maryland: 30/60/15 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Massachusetts car insurance requirements

Minimum auto insurance in Massachusetts: 25/50/30 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Michigan car insurance requirements

Minimum auto insurance in Michigan: 50/100/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Minnesota car insurance requirements

Minimum auto insurance in Minnesota: 30/60/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Mississippi car insurance requirements

Minimum auto insurance in Mississippi: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Missouri car insurance requirements

Minimum auto insurance in Missouri: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Montana car insurance requirements

Minimum auto insurance in Montana: 25/50/20 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Nebraska car insurance requirements

Minimum auto insurance in Nebraska: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Nevada car insurance requirements

Minimum auto insurance in Nevada: 25/50/20 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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New Hampshire car insurance requirements

Minimum auto insurance in New Hampshire: 25/50 + PD 25k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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New Jersey car insurance requirements

Minimum auto insurance in New Jersey: 35/70 + PD 25k + PIP 15k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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New Mexico car insurance requirements

Minimum auto insurance in New Mexico: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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New York car insurance requirements

Minimum auto insurance in New York: 25/50 + PD 10k + PIP 50k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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North Carolina car insurance requirements

Minimum auto insurance in North Carolina: 50/100 + PD 50k liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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North Dakota car insurance requirements

Minimum auto insurance in North Dakota: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Ohio car insurance requirements

Minimum auto insurance in Ohio: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Oklahoma car insurance requirements

Minimum auto insurance in Oklahoma: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Oregon car insurance requirements

Minimum auto insurance in Oregon: 25/50/20 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Pennsylvania car insurance requirements

Minimum auto insurance in Pennsylvania: 15/30/5 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Rhode Island car insurance requirements

Minimum auto insurance in Rhode Island: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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South Carolina car insurance requirements

Minimum auto insurance in South Carolina: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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South Dakota car insurance requirements

Minimum auto insurance in South Dakota: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Tennessee car insurance requirements

Minimum auto insurance in Tennessee: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Texas car insurance requirements

Minimum auto insurance in Texas: 30/60/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Utah car insurance requirements

Minimum auto insurance in Utah: 30/65/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Vermont car insurance requirements

Minimum auto insurance in Vermont: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Virginia car insurance requirements

Minimum auto insurance in Virginia: 50/100/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Washington car insurance requirements

Minimum auto insurance in Washington: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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West Virginia car insurance requirements

Minimum auto insurance in West Virginia: 25/50/25 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Wisconsin car insurance requirements

Minimum auto insurance in Wisconsin: 25/50/10 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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Wyoming car insurance requirements

Minimum auto insurance in Wyoming: 25/50/20 liability, penalties for driving uninsured, SR-22 filing rules, and 2026 law changes.

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