Car insurance requirements by state
Minimum liability limits vary enormously — from 15/30/5 in California to 250/500/10 in Michigan. Every figure below is sourced and dated.
| State | Minimum limits | System | Verified |
|---|---|---|---|
| Arizona | 25/50/15 | At-fault | 2026-08-17 |
| California | 15/30/5 | At-fault | 2026-08-17 |
| Colorado | 25/50/15 | At-fault | 2026-08-17 |
| Connecticut | 25/50/25 | At-fault | 2026-08-17 |
| Florida | PD only — $10,000 | No-fault | 2026-08-17 |
| Georgia | 25/50/25 | At-fault | 2026-08-17 |
| Illinois | 25/50/20 | At-fault | 2026-08-17 |
| Maryland | 30/60/15 | At-fault | 2026-08-17 |
| Massachusetts | 20/40/5 | No-fault | 2026-08-17 |
| Michigan | 250/500/10 | No-fault | 2026-08-17 |
| Minnesota | 30/60/10 | No-fault | 2026-08-17 |
| Missouri | 25/50/25 | At-fault | 2026-08-17 |
| Nevada | 25/50/20 | At-fault | 2026-08-17 |
| New Jersey | 35/70/25 | Choice | 2026-08-17 |
| New York | 25/50/10 | No-fault | 2026-08-17 |
| North Carolina | 50/100/50 | At-fault | 2026-08-17 |
| Ohio | 25/50/25 | At-fault | 2026-08-17 |
| Oregon | 25/50/20 | At-fault | 2026-08-17 |
| Pennsylvania | 15/30/5 | Choice | 2026-08-17 |
| South Carolina | 25/50/25 | At-fault | 2026-08-17 |
| Tennessee | 25/50/25 | At-fault | 2026-08-17 |
| Texas | 30/60/25 | At-fault | 2026-08-17 |
| Utah | 25/65/15 | No-fault | 2026-08-17 |
| Virginia | 50/100/25 | At-fault | 2026-08-17 |
| Washington | 25/50/10 | At-fault | 2026-08-17 |
| Wisconsin | 25/50/10 | At-fault | 2026-08-17 |
Figures are drawn from the Insurance Information Institute / APCIA financial responsibility table and, where a state has changed since that table was published, re-verified against the state’s own regulator. State law changes — confirm with your state insurance department before relying on any figure here.
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