What states require car insurance?
If you're wondering which states require car insurance, you must have at least minimum liability coverage in every state except Virginia and New Hampshire. Local state law dictates how much car insurance drivers must carry, but you can choose different policy options for added protection.
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Brandon Frady
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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Jun 27, 2025
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UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Do all states require car insurance? What states require auto insurance? Aside from New Hampshire and Virginia, all states in the U.S. require that drivers carry a certain amount of car insurance coverage.
Your state has specific rules and regulations concerning auto insurance. So, depending on where you live, you may need more or less coverage than a friend or relative living in a different state. In addition to the types of car insurance coverage you must have, you can also choose additional coverage options to protect yourself and your vehicle when you’re on the road.
While adding more types of coverage to a policy will make things more expensive, you may be grateful you did so if you’re ever in an accident and facing costly bills for the damages.
The best way to shop for car insurance is to compare car insurance quotes from several companies online. As you compare quotes, you’ll learn which companies offer the coverage you want at a price that fits your budget.
- Car Insurance Requirements
- Car Seat Laws in Kansas
- Car Seat Laws in North Carolina
- Car Seat Laws in Delaware
- Car Seat Laws in Texas
- Car Seat Laws in District of Columbia
- Car Seat Laws in Alaska
- Car Seat Laws in Maine
- Car Seat Laws in Georgia
- Car Seat Laws in Kentucky
- Car Seat Laws in Mississippi
- Car Seat Laws in Montana
- Car Seat Laws in Louisiana
- Car Seat Laws in North Dakota
- Car Seat Laws in Arizona
- Car Seat Laws in Tennessee
- Car Seat Laws in Massachusetts
- Car Seat Laws in Arkansas
- Car Seat Laws in Washington
- Car Seat Laws in Wisconsin
- Car Seat Laws in Wyoming
- Car Seat Laws in Rhode Island
- Car Seat Laws in Minnesota
- Car Seat Laws in Colorado
- Car Seat Laws in Oklahoma
- Car Seat Laws in New York
- Car Seat Laws in Iowa
- Car Seat Laws in Ohio
- Car Seat Laws in Connecticut
- Car Seat Laws in Indiana
- Car Seat Laws in Idaho
- Car Seat Laws in New Mexico
- Car Seat Laws in Illinois
- Car Seat Laws in South Dakota
- Car Seat Laws in Alabama
- Car Seat Laws in Nebraska
- Car Seat Laws in Vermont
- Car Seat Laws in West Virginia
- Car Seat Laws in Utah
- Car Seat Laws in New Hampshire
- Car Seat Laws in Virginia
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Understanding State Minimum Car Insurance Requirements
Each state has specific laws concerning the types and amounts of car insurance coverage you need before you can drive. If you’re curious about how much insurance coverage you need and is car insurance required in all states? The answer is, it depends on where you live.
You may live in a state that requires low levels of coverage, or you may live in a state where you need more coverage. Usually, higher levels of coverage come with a higher price tag. So, when you compare your car insurance rates to the national average, you may pay more because of where you live.
Car Insurance Minimum Coverage Requirements by State
| State | Coverage Limits | Required Coverages |
|---|---|---|
| Alabama | 25/50/25 | Bodily injury liability and property damage liability |
| Alaska | 50/100/25 | Bodily injury liability and property damage liability |
| Arizona | 15/30/10 | Bodily injury liability and property damage liability |
| Arkansas | 25/50/25 | Bodily injury liability, property damage liability and personal injury protection |
| California | 15/30/5 | Bodily injury liability and property damage liability |
| Colorado | 25/50/15 | Bodily injury liability and property damage liability |
| Connecticut | 25/50/20 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Delaware | 25/50/10 | Bodily injury liability, property damage liability and personal injury protection |
| Florida | 10/20/10 | Property damage liability and personal injury protection |
| Georgia | 25/50/25 | Bodily injury liability and property damage liability |
| Hawaii | 20/40/10 | Bodily injury liability, property damage liability and personal injury protection |
| Idaho | 25/50/15 | Bodily injury liability and property damage liability |
| Illinois | 25/50/20 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Indiana | 25/50/25 | Bodily injury liability and property damage liability |
| Iowa | 20/40/15 | Bodily injury liability and property damage liability |
| Kansas | 25/50/25 | Bodily injury liability, property damage liability and personal injury protection |
| Kentucky | 25/50/25 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| Louisiana | 15/30/25 | Bodily injury liability and property damage liability |
| Maine | 50/100/25 | Bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and medical payments coverage |
| Maryland | 30/60/15 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| Massachusetts | 20/40/5 | Bodily injury liability, property damage liability and personal injury protection |
| Michigan | 20/40/10 | Bodily injury liability, property damage liability and personal injury protection |
| Minnesota | 30/60/10 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| Mississippi | 25/50/25 | Bodily injury liability and property damage liability |
| Missouri | 25/50/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Montana | 25/50/20 | Bodily injury liability and property damage liability |
| Nebraska | 25/50/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Nevada | 25/50/20 | Bodily injury liability and property damage liability |
| New Hampshire | NA | Financial responsibility (coverage unspecified, may vary by state) |
| New Jersey | 15/30/5 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| New Mexico | 25/50/10 | Bodily injury liability and property damage liability |
| New York | 25/50/10 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| North Carolina | 30/60/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| North Dakota | 25/50/25 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| Ohio | 25/50/25 | Bodily injury liability and property damage liability |
| Oklahoma | 25/50/25 | Bodily injury liability and property damage liability |
| Oregon | 25/50/20 | Bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage |
| Pennsylvania | 15/30/5 | Bodily injury liability, property damage liability and personal injury protection |
| Rhode Island | 25/50/25 | Bodily injury liability and property damage liability |
| South Carolina | 25/50/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| South Dakota | 25/50/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Tennessee | 25/50/15 | Bodily injury liability and property damage liability |
| Texas | 30/60/25 | Bodily injury liability, property damage liability and personal injury protection |
| Utah | 25/65/15 | Bodily injury liability, property damage liability and personal injury protection |
| Vermont | 25/50/10 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Virginia | 25/50/20 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Washington, D.C. | 25/50/10 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| West Virginia | 25/50/25 | Bodily injury liability, property damage liability and uninsured/underinsured motorist coverage |
| Wisconsin | 25/50/10 | Bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and medical payments coverage |
| Wyoming | 25/50/20 | Bodily injury liability and property damage liability |
As you can see, almost every state has a minimum liability insurance requirement. Liability insurance protects you if you cause an accident and injure someone or damage someone’s personal property. In addition, some states require personal injury protection (PIP), medical payments (MedPay) coverage, and/or uninsured/underinsured motorist coverage.
If you’re unsure whether you have the right coverage for your state, review your car insurance policy. Most likely, the insurance company that sold you a policy knew you needed a certain amount of coverage and made sure you bought enough to drive legally. Still, it’s a good idea to review how much coverage you need and how much you have to make sure you’re not underinsured.
States That Don’t Require Car Insurance
Are there any states that don’t require car insurance? two states in the U.S. allow individuals to drive without an auto insurance policy. Still, there are stipulations in these states about car insurance and financial responsibility:
- New Hampshire: If you live in New Hampshire, you don’t have to buy insurance, but you will have to pay out of pocket for all damages if you cause an accident. If you choose to purchase a minimum coverage policy in New Hampshire, you’re required to carry $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability. New Hampshire drivers may have to purchase car insurance if they are found guilty of a major traffic violation. Learn more about New Hampshire car insurance requirements.
- Virginia: If you live in Virginia, you can pay a fee of $500 to be an officially uninsured motorist. If you pay this fee, you take on 100% of the financial responsibility if you’re ever in an accident. Still, buying a minimum coverage policy in Virginia will be less expensive than paying this $500 fee plus the cost of damages for even a minor accident. Learn more about Virginia car insurance requirements.
Some states in the U.S. allow drivers to purchase bonds rather than buying car insurance, but the bonds cost anywhere from $25,000 to $115,000. So for most drivers, it makes more sense to purchase a car insurance policy that meets their coverage needs and fits within any budgetary restrictions.
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Types of Required Car Insurance
Is car insurance required in every state? Most states have laws requiring drivers to have car insurance or another form of financial responsibility. While the car insurance requirements in each state may differ, there are only a few types of mandatory coverage your state may require. Each coverage listed offers some measure of protection so you’re not held liable for paying out of pocket if you cause a car accident and someone is hurt or property is damaged.
All states require this type of insurance, you may need one or more of the following coverages:
- Liability insurance
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist coverage
If your state does not require PIP, MedPay, or underinsured/underinsured motorist coverage, you may want to consider purchasing these coverages anyway to be better protected on the road.
Liability Car Insurance
Almost every state in the U.S. requires drivers to carry liability insurance. With liability coverage, you are protected if you cause an accident and injure someone or damage another person’s property.
Liability auto insurance has two standard elements: property damage and bodily injury coverage. With property damage liability, your insurance company will cover damage you cause to someone’s car or other property up to a certain dollar amount. With bodily injury liability, your insurance company will cover the medical bills associated with physical injuries you cause during an accident.
In understanding car insurance coverage, it’s important to know your state’s laws for liability coverage. Each state decides how much coverage drivers need. If you live in a state requiring higher liability coverage levels, your car insurance rates may be higher than the national average. Knowing your state’s requirements for coverage can also help you better understand car insurance quotes in your area.
Personal Injury Protection (PIP)
PIP coverage helps if you or anyone in your vehicle is injured during an accident. PIP insurance pays for visits to the doctor and other medical bills, and it may also help with lost wages associated with a covered accident. Some states require PIP insurance, but the coverage is available in all states in the U.S.
Medical Payments (MedPay)
MedPay coverage helps if you’re injured in an accident. The coverage is similar to PIP but does not help with lost wages or funeral costs. Instead, MedPay covers things like X-rays, doctor visits, hospital stays, surgery, and other medical bills associated with a covered accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident someone else caused, but that individual does not carry the proper insurance. With this coverage, your insurance company will cover the damage to your vehicle up to your car’s actual cash value (ACV). In some cases, you may not have to pay your deductible before reaping your coverage benefits.
How to Determine if You Need Full Coverage Car Insurance
Do you need car insurance in every state? In most states, yes. However, the specifics of what constitutes acceptable proof of financial responsibility can vary. A full coverage policy, which includes collision and comprehensive car insurance, is not a requirement in any U.S. state to drive legally. Rather, full coverage offers drivers additional protection.
- Collision car insurance covers you if you cause an accident and your vehicle is damaged.
- Comprehensive car insurance helps if your vehicle is damaged by inclement weather, wild animals, theft, or vandalism.
While neither of these coverages is required in your state, you may want to add collision and comprehensive insurance to build a full coverage policy to ensure proper protection.
If you have a lease or loan on your vehicle, your lender may require that you carry full coverage car insurance. On the other hand, if you own your car outright, have an older car, or drive a car with a low ACV, you may not need full coverage on your vehicle.
Comprehensive Guide to Auto Insurance Requirements in Various States
Understanding the auto insurance laws and requirements in different states is crucial for drivers to ensure they are adequately covered and compliant with state regulations. This guide covers the specific requirements and laws for auto insurance in Virginia, Washington, Pennsylvania, Tennessee, and Ohio.
Virginia Auto Insurance Laws and Requirements
In Virginia, drivers must adhere to specific auto insurance laws to legally operate a vehicle. The Virginia auto insurance laws stipulate minimum coverage requirements, which are essential to understand to avoid penalties.
The Virginia auto insurance minimums are set to ensure that drivers have basic coverage to cover potential damages or injuries resulting from accidents. Specifically, the Virginia auto insurance requirements include liability coverage for bodily injury and property damage. The state mandates that all drivers carry at least the Virginia state minimum auto insurance to be legally compliant.
For those seeking more comprehensive coverage, Virginia car insurance quotes can provide a range of options beyond the state-mandated minimums. Understanding the Virginia’s minimum car insurance requirements helps drivers choose the appropriate level of coverage for their needs.
Washington State Full Coverage Insurance Requirements
Washington state has its own set of regulations regarding auto insurance. While basic liability coverage is required, many drivers opt for full coverage insurance to protect themselves from a broader range of potential risks. The Washington state full coverage insurance requirements include additional protections such as collision and comprehensive coverage, which go beyond the minimum liability insurance.
Pennsylvania Auto Insurance Guide
Pennsylvania drivers must be familiar with the Pennsylvania auto insurance guide to navigate the state’s insurance requirements. This guide outlines the mandatory coverage types and minimum amounts that drivers must carry. It is designed to ensure that all drivers have adequate protection in the event of an accident.
Tennessee Auto Insurance Requirements
In Tennessee, understanding the minimum required car insurance in Tennessee or the Tennessee minimum car insurance requirements is essential for all drivers. The state mandates specific minimum coverage levels to ensure that drivers can cover damages or injuries they may cause. Additionally, knowing the state minimum car insurance in Tennessee helps drivers remain compliant with local laws.
Ohio Auto Insurance Laws
Ohio’s auto insurance regulations are outlined in the Ohio auto insurance laws, which detail the minimum coverage requirements for drivers. These laws ensure that all drivers carry sufficient insurance to cover potential liabilities arising from accidents.
Navigating the auto insurance requirements across different states can be complex, but understanding the specific laws and minimum coverage requirements in your state is crucial. Whether you are in Virginia, Washington, Pennsylvania, Tennessee, or Ohio, ensuring that you meet the state-mandated insurance levels will protect you legally and financially in the event of an accident. For more detailed information, always refer to the specific state’s insurance regulations and consult with an insurance professional.
Other FAQs About Car Insurance for Certain States
Understanding car insurance requirements can be confusing. Here are answers to some commonly asked questions to help clear things up.
- Can you have car insurance in two states? Yes, you can have car insurance in multiple states if you split your time between residences. However, you typically must designate one state as your primary residence for insurance purposes.
- What is the cheapest state for auto insurance? Auto insurance rates vary widely by state. States like Maine, Vermont, and Ohio are often among the cheapest due to factors like fewer urban areas and lower population density.
- Do all states require auto insurance? No, not all states require auto insurance. Some states allow alternatives like posting a bond or proving financial responsibility through other means.
- Do you have to have car insurance in every state? Most states require some form of car insurance or proof of financial responsibility, but the specific requirements can vary.
- Do you have to have car insurance in Maryland? Yes, Maryland requires all drivers to carry liability insurance or an approved alternative to legally operate a vehicle.
- Do you need insurance in New Hampshire? New Hampshire is unique in that it doesn’t mandate auto insurance for all drivers. However, you must demonstrate financial responsibility if you choose not to buy insurance.
Understanding the car insurance requirements in your state is crucial for legal compliance and financial protection. Always check local laws or consult with an insurance professional for specific advice tailored to your situation.
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How to Get the Right Coverage in States That Require Car Insurance
Does every state require car insurance? No, but nearly every state has some form of financial responsibility requirement for drivers. While most states in the U.S. require drivers to carry proper car insurance, car insurance laws vary depending on where you live. To understand the specific requirements in your area, it’s important to research car insurance laws by state.
Read more: Car Insurance Laws: A Comprehensive Guide
For example, you may live in a state that only requires low levels of bodily injury and property damage liability coverage. On the other hand, your state may require higher liability limits, along with PIP, MedPay, or uninsured/underinsured motorist coverage.
Consider adding collision and comprehensive car insurance to your policy if you drive a newer vehicle, an expensive vehicle, or a car under a loan or lease. A full coverage policy, including collision and comprehensive insurance, will help you stay protected even if you cause an accident. Keep in mind that car insurance requirements by state vary, so it’s essential to check what car insurance your state requires in your specific location.
Remember to compare free auto insurance quotes from several car insurance companies before making a final decision on coverage. Comparing quotes can help you get the coverage you need without paying too much.
Frequently Asked Questions
Which U.S. states do not require car insurance?
So, are there any states that don’t require auto insurance? Car insurance requirements vary by state, and all U.S. states except for New Hampshire and Virginia require drivers to have a minimum amount of car insurance.
Why does New Hampshire not require car insurance?
Although New Hampshire doesn’t require formal car insurance policies, drivers must still prove they can afford liability costs after an accident to opt out of coverage.
Does Virginia require car insurance?
Virginia doesn’t require auto insurance, but vehicle owners must pay an annual fee of $500 to the DMV to opt out of the minimum car insurance in Virginia.
Why do states require car insurance?
Drivers must carry car insurance in most states to protect their personal liability in the event of an accident. If you drive without liability coverage, you will be held responsible for paying for all damages associated with an accident you cause. You will have to pay out of pocket to repair your own vehicle as well. Car insurance provides financial relief to all parties involved and allows you to pay less if you’re at fault in an accident.
What are the minimum requirements for car insurance in most states?
The minimum requirements for car insurance typically include liability coverage, which covers damages or injuries that you may cause to others in an accident. The minimum amount of coverage required can vary by state, but it is usually expressed as a series of numbers representing the amount of coverage required for bodily injury per person, bodily injury per accident, and property damage per accident.
What happens if I get caught driving without car insurance?
If you drive without insurance and someone catches you, you could be in a lot of trouble. You’ll have to pay fines and fees, and your license may be suspended or revoked. In some cases, your car may be impounded, and you could even spend time in jail based on the circumstances surrounding the event. If you are ever caught driving without insurance, purchasing coverage in the future can be costly and difficult.
What happens if you drive without insurance in a state where it is required?
Driving without insurance in a state where it is required is illegal and can result in penalties such as fines, license suspension, and even jail time in some cases. In addition, if you are involved in an accident while uninsured, you may be responsible for paying for any damages or injuries out of pocket, which can be financially devastating.
Do you legally need car insurance in the United States?
Car insurance is almost always mandatory in the United States unless you live in New Hampshire or Virginia and can afford to opt out of coverage.
Is auto insurance required in all states?
Is auto insurance required in every state? Auto insurance requirements vary by state. While most states mandate some form of auto insurance, the specifics can differ. It’s important to understand your state’s insurance requirements to ensure compliance.
How many states require auto insurance?
How many states require car insurance? The majority of states require drivers to carry auto insurance. However, the exact number and specific requirements vary. Checking your state’s regulations is crucial to avoid penalties.
Which states do not require auto insurance?
Currently, what are the states that require auto insurance? New Hampshire is the only state that does not mandate auto insurance for all drivers. However, drivers in New Hampshire must demonstrate financial responsibility in other ways.
Which states require car insurance?
What are the states that don’t require auto insurance? Most states in the U.S. require drivers to have car insurance to legally operate a vehicle. Understanding your state’s requirements helps you comply with local laws.
What are the auto insurance requirements by state?
Auto insurance requirements can significantly vary from state to state. It’s essential to be aware of the specific coverage and minimums mandated by your state’s laws.
What type of auto insurance are you required to carry in almost every state?
In almost every state, drivers are required to carry liability insurance, which covers bodily injury and property damage caused to others in an accident you are responsible for.
What are the minimum requirements for auto insurance in Virginia?
Virginia’s minimum car insurance requirements typically include liability coverage for bodily injury and property damage. Understanding Virginia car insurance laws and requirements ensures legal compliance while driving in the state.
What coverage is needed for car insurance?
Basic car insurance coverage usually includes liability, which covers damages you cause to others. Additional coverage options like comprehensive and collision can provide broader protection.
Does insurance work out of state?
Yes, car insurance typically provides coverage that extends beyond state lines. However, the specifics can vary depending on your policy. It’s advisable to check with your insurance provider regarding coverage when traveling out of state.
What type of insurance is required for all drivers in almost all states?
Most states require drivers to have liability insurance, which covers injuries and damages to others in accidents you cause. Understanding your state’s specific requirements is crucial for compliance.
What are the minimum car insurance requirements in each state?
Knowing the minimum car insurance requirements by state is crucial for drivers to comply with local laws and ensure adequate coverage. Requirements can vary widely, so understanding the specific mandates for bodily injury liability, property damage liability, and other coverage types is important for legal compliance and financial protection.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.