Auto & Driving
Auto Insurance Minimum Requirements by State: Compare All 50 States
Aggregates this site's own sourced state-by-state data, updated August 2026.
Sort and search every state's minimum liability limits, no-fault/PIP requirement, UM/UIM mandate, and FAIR Plan availability, all at once, side by side.
Data sourced from CarInsurance.com, WalletHub, Policygenius, NAIC
Showing all 51 states
How this table is built
This table does not calculate anything new. It reads four datasets already sourced and live elsewhere on this site (the same data behind the State Minimum Liability Requirement Checker, No-Fault State Insurance Cost Calculator, Uninsured/Underinsured Motorist Coverage Calculator, and State FAIR Plan Home Insurance Cost Estimator) and joins them into one row per state so you can compare across states instead of looking up one at a time.
Every figure traces back to those same four sourced blocks, see the source line below and each of those tools' own pages for full citations.
Source: CarInsurance.com (liability minimums), WalletHub (PIP and UM/UIM minimums), Policygenius and NAIC (FAIR Plan states) · Last updated 2026-08-21 · See how we calculate this →
Why compare state auto insurance minimums side by side
Every state sets its own auto insurance requirements, and they vary more than most drivers realize. Bodily injury and property damage liability limits differ from state to state, some states additionally require Personal Injury Protection (PIP) or "no-fault" coverage, some require uninsured/underinsured motorist (UM/UIM) coverage on top of liability, and a separate set of states run a FAIR Plan, an insurer of last resort, that is worth knowing about if you are shopping for coverage broadly.
Looking up one state at a time misses the pattern. This table puts all 50 states and DC in one place so you can sort by any column, search for a state by name, and see how requirements actually compare.
The bodily injury / property damage column shows each state's minimum in the standard "X/Y/Z" format: dollars of bodily injury liability per person, per accident, and property damage liability, all from the same source table used by the State Minimum Liability Requirement Checker.
Two states stand out: Florida does not require bodily injury liability at all under normal circumstances, only PIP and property damage, and New Hampshire is the only state that does not mandate auto insurance in the first place, its figures apply only if a driver chooses to carry a policy anyway.
The No-Fault / PIP column draws on the same data behind the No-Fault State Insurance Cost Calculator. Most PIP states show a flat dollar minimum. Pennsylvania is structured differently, its requirement is a "medical benefits" minimum rather than standard PIP, and Michigan replaced its old flat PIP minimum with driver-selectable coverage tiers in a 2020 reform, so neither reduces cleanly to one number, and the table reflects that rather than forcing a false precision.
The UM/UIM column mirrors the Uninsured/Underinsured Motorist Coverage Calculator's data: which states require this coverage, and at what bodily injury (and where applicable, property damage) minimum. The FAIR Plan column is a different kind of data point, FAIR Plans are normally a homeowners insurance program, not auto, included here because several of this site's other tools reference state FAIR Plan availability and it is useful context when comparing states broadly. It has no effect on your auto insurance minimums directly.
Nothing in this table is a new estimate. It is an aggregation of data already sourced, cited, and live in four other places on this site, joined into one comparison view.
If you want the deeper detail behind any single column, a cost estimate, an upgrade-cost figure, a PIP cost range, follow the linked tool for that topic. This table is the starting point for seeing the whole map at once, not a replacement for those tools' own detail.
Frequently asked questions
How is this different from the State Minimum Liability Requirement Checker?
The State Minimum Liability Requirement Checker is a single-state lookup: pick your state and see its numbers plus an upgrade-cost estimate. This table is built for comparing across states at once, sort any column, search by name, and see liability, no-fault/PIP, UM/UIM, and FAIR Plan status side by side for all 50 states and DC.
Use the checker if you just want your own state, use this table if you are comparing states or want the full picture in one view.
What does "No-Fault / PIP" mean in this table?
It shows whether a state requires Personal Injury Protection (PIP) coverage, which pays your own medical bills after an accident regardless of fault, on top of standard liability coverage.
Most states listed here show a flat dollar minimum. Pennsylvania uses a differently structured "medical benefits" minimum, and Michigan replaced its old flat PIP minimum with driver-selectable coverage tiers in 2020, so those two show a description instead of one number, matching how the source data itself is structured.
Why does New Hampshire show a UM/UIM figure if insurance is not even mandatory there?
New Hampshire is the only state that does not require drivers to carry auto insurance at all. But if a New Hampshire driver does choose to carry a policy, the same uninsured/underinsured motorist minimum applies as anywhere else that mandates it.
The table shows both facts as they exist in the source data rather than hiding the UM/UIM figure just because coverage itself isn't mandatory.
What does the FAIR Plan column have to do with auto insurance?
A state FAIR Plan is normally a homeowners insurance program of last resort, not an auto insurance product. It's included here because several of this site's other state-by-state tools reference it, and knowing whether your state has one is useful context if you're shopping for coverage broadly.
It does not affect your auto insurance minimums directly, use the FAIR Plan Cost Estimator for the home insurance side of this.