Every U.S. state sets its own car insurance requirements — and some enforce them much more aggressively than others. Whether you’re moving, renewing registration, or just double-checking coverage, this guide helps you quickly understand what’s required where.
Why Car Insurance Laws Differ by State
There’s no nationwide minimum for auto insurance. Instead, each state decides how much liability coverage drivers must carry, whether additional protection like personal injury or uninsured motorist coverage is required, and what penalties apply if you’re caught uninsured.
What You’ll Find on Each State Page:
- Required liability limits (bodily injury and property damage)
- No-fault vs. at-fault system explanation
- Penalties and fines for driving uninsured
- Optional coverages that might be smart to add
- Real-time enforcement systems (like electronic insurance verification)
Tip: Jump to your State to see the Minimum Car Insurance Requirements at a glance, click through to your State to get more specific details and options.
States A–H
States I–M
States N–W
New Hampshire
PD: Optional
Other: Must prove financial responsibility if insured
Virginia
PD: $20,000
Other: UM/UIM Required or Pay Uninsured Fee
Still unsure which coverages are right for you? Check the Car Insurance Coverage Guide to explore optional policies, recommended limits, and how to protect your vehicle and wallet.