State Minimum Liability Requirements at a Glance
Every state except New Hampshire requires drivers to carry some form of auto insurance or proof of financial responsibility. This guide provides a comprehensive breakdown of what each state mandates.
⚠️ State Minimums May Not Be Enough
Minimum coverage is designed to meet legal requirements — not to adequately protect your assets in a serious accident. Many experts recommend carrying significantly higher limits than state minimums.
Understanding the Numbers: What Do They Mean?
When you see minimums listed as "25/50/25" or similar, it refers to:
- First number (e.g., 25): Bodily injury liability per person — maximum paid per injured person in an accident you cause ($25,000)
- Second number (e.g., 50): Bodily injury liability per accident — total for all injuries in one accident you cause ($50,000)
- Third number (e.g., 25): Property damage liability per accident — maximum for property damage you cause ($25,000)
Find Your State's Requirements
The best way to understand your specific state's requirements — along with average costs, high-risk options, and SR-22 rules — is to visit our dedicated state pages.