Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Each state in the United States has it’s own unique auto insurance requirements. The second you drive the car off the lot, you are expected by law to have that vehicle insured. This is why it’s essential to see your state’s auto insurance requirements before purchasing car insurance.

If you don’t have insurance and drive anyways, you can expect to have your license suspended when your local MVA or DMV catches wind of it. Should you be pulled over by a police officer without proof of insurance (or even worse – get into an accident without insurance), don’t be surprised when they give you a ticket or tell you the vehicle will have to be towed.

In other words, if you’re driving, you better be darn sure you have an auto insurance policy (and proof of it too).

Continue reading below to discover where to go to learn about your state’s minimum requirements, why states have auto insurance laws, the limits required in your state, and how to make sure you are adequately covered.

How Do I Find out My State’s Requirements?

There are a couple of ways you can go about determining the level of auto coverage your state expects you to have. And one is considerably easier than the other.

You could contact the DMV yourself, search endlessly through their website for the answer, or ask an auto insurance agent. But who wants to spend any more time dealing with the DMV than they have to? Not me!

The significantly easier route is to scroll to the top of this page and enter your zip code. You’ll instantly be provided with quotes from the highest-rated auto insurance providers in the industry based on your specific needs and the requirements laid out by your state.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Why Are There State Auto Insurance Laws?

If you were the only person at risk when driving, such laws probably wouldn’t be in place. But the fact of the matter is, regardless of how good a driver you think you are, when you are on the road, one small mistake could cause serious harm to yourself and others; which is exactly why minimum state auto insurance laws exist.

Most states require you to have both collision and liability coverage, so that if you happen to cause damage to yourself, others, or their property; everyone is covered.

It may just seem like yet another hoop you have to jump through to get your car on the road. However, if someone strikes you with their vehicle, you’re going to be very happy that state auto insurance laws are in place, and that you won’t have to fight to get the reimbursement you deserve.

State-By-State Minimum Liability Requirements

The list below lists each state and its minimum liability insurance requirement numbers. The first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit. For example, Alaska requires 50/100/25. This means each person injured would receive a maximum of $50,000 with only $100,000 allowed per accident. The last number refers to the total coverage for property damage, which in this case is $25,000.

What are the auto insurance requirements in your state?

Look for Your State Below:


Making Sure Your Vehicle Meets State Minimums

Don’t allow yourself to hit the road without making sure your policy is up to snuff with minimum state auto insurance requirements. It could wind up costing you hundreds of dollars in tickets and tow fees – not to mention the horrors you may have to deal with should you be involved in a collision.

After entering your zip code above, it literally only takes moments to see if you have adequate coverage in your state. Don’t procrastinate – see if you meet your state’s auto insurance requirements right now, and save yourself a bunch of money in the process.