Car Insurance Requirements by State

AL

Alabama

Min. liability: 25/50/25. Avg. annual premium: ~$1,480.

AK

Alaska

Min. liability: 50/100/25. Avg. annual premium: ~$1,350.

AZ

Arizona

Min. liability: 25/50/15. Avg. annual premium: ~$1,520.

AR

Arkansas

Min. liability: 25/50/25. Avg. annual premium: ~$1,390.

CA

California

Min. liability: 15/30/5. Avg. annual premium: ~$1,810.

CO

Colorado

Min. liability: 25/50/15. Avg. annual premium: ~$1,740.

CT

Connecticut

Min. liability: 25/50/25. Avg. annual premium: ~$1,620.

DE

Delaware

Min. liability: 25/50/10. Avg. annual premium: ~$1,870.

FL

Florida

Min. liability: 10/20/10 (PIP required). Avg. annual premium: ~$2,560.

GA

Georgia

Min. liability: 25/50/25. Avg. annual premium: ~$1,750.

HI

Hawaii

Min. liability: 20/40/10 (PIP required). Avg. annual premium: ~$1,230.

ID

Idaho

Min. liability: 25/50/15. Avg. annual premium: ~$960.

IL

Illinois

Min. liability: 25/50/20. Avg. annual premium: ~$1,270.

IN

Indiana

Min. liability: 25/50/25. Avg. annual premium: ~$1,080.

IA

Iowa

Min. liability: 20/40/15. Avg. annual premium: ~$1,040.

KS

Kansas

Min. liability: 25/50/25 (PIP required). Avg. annual premium: ~$1,280.

KY

Kentucky

Min. liability: 25/50/25 (PIP required). Avg. annual premium: ~$1,920.

LA

Louisiana

Min. liability: 15/30/25. Avg. annual premium: ~$2,780.

ME

Maine

Min. liability: 50/100/25. Avg. annual premium: ~$900.

MD

Maryland

Min. liability: 30/60/15 (PIP required). Avg. annual premium: ~$1,780.

MA

Massachusetts

Min. liability: 20/40/5 (PIP required). Avg. annual premium: ~$1,460.

MI

Michigan

Min. liability: 50/100/10 (unlimited PIP option). Avg. annual premium: ~$2,310.

MN

Minnesota

Min. liability: 30/60/10 (PIP required). Avg. annual premium: ~$1,440.

MS

Mississippi

Min. liability: 25/50/25. Avg. annual premium: ~$1,500.

MO

Missouri

Min. liability: 25/50/25. Avg. annual premium: ~$1,560.

MT

Montana

Min. liability: 25/50/20. Avg. annual premium: ~$1,310.

NE

Nebraska

Min. liability: 25/50/25. Avg. annual premium: ~$1,290.

NV

Nevada

Min. liability: 25/50/20. Avg. annual premium: ~$2,100.

NH

New Hampshire

No mandatory insurance (financial responsibility required). Avg. annual premium: ~$1,050.

NJ

New Jersey

Min. liability: 15/30/5 (PIP required). Avg. annual premium: ~$1,950.

NM

New Mexico

Min. liability: 25/50/10. Avg. annual premium: ~$1,400.

NY

New York

Min. liability: 25/50/10 (PIP required). Avg. annual premium: ~$2,320.

NC

North Carolina

Min. liability: 30/60/25. Avg. annual premium: ~$1,280.

ND

North Dakota

Min. liability: 25/50/25 (PIP required). Avg. annual premium: ~$1,120.

OH

Ohio

Min. liability: 25/50/25. Avg. annual premium: ~$1,050.

OK

Oklahoma

Min. liability: 25/50/25. Avg. annual premium: ~$1,640.

OR

Oregon

Min. liability: 25/50/20 (PIP required). Avg. annual premium: ~$1,380.

PA

Pennsylvania

Min. liability: 15/30/5 (PIP required). Avg. annual premium: ~$1,470.

RI

Rhode Island

Min. liability: 25/50/25. Avg. annual premium: ~$1,890.

SC

South Carolina

Min. liability: 25/50/25. Avg. annual premium: ~$1,540.

SD

South Dakota

Min. liability: 25/50/25. Avg. annual premium: ~$1,190.

TN

Tennessee

Min. liability: 25/50/15. Avg. annual premium: ~$1,330.

TX

Texas

Min. liability: 30/60/25. Avg. annual premium: ~$1,820.

UT

Utah

Min. liability: 25/65/15 (PIP required). Avg. annual premium: ~$1,340.

VT

Vermont

Min. liability: 25/50/10. Avg. annual premium: ~$1,000.

VA

Virginia

Min. liability: 30/60/20. Avg. annual premium: ~$1,290.

WA

Washington

Min. liability: 25/50/10. Avg. annual premium: ~$1,360.

WV

West Virginia

Min. liability: 25/50/25. Avg. annual premium: ~$1,300.

WI

Wisconsin

Min. liability: 25/50/10. Avg. annual premium: ~$1,100.

WY

Wyoming

Min. liability: 25/50/20. Avg. annual premium: ~$1,200.