State minimum car insurance calculator

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Understanding the cost of meeting your state’s minimum car insurance requirements is essential when budgeting for coverage. Our state minimum car insurance calculator helps you estimate how much you’ll pay based on factors like your location and the type of vehicle you drive. Since minimum coverage rates vary significantly by state and insurer, this tool provides a personalized snapshot of what to expect, allowing you to make informed decisions.

By using the calculator, you can uncover the most affordable options for meeting your state’s legal requirements. While state minimum coverage is typically the cheapest option, it’s important to remember it offers limited protection. State minimum coverage usually only includes liability insurance, which pays for damages or injuries you cause to others but doesn’t cover your own vehicle or medical expenses. This means if you’re involved in an accident, you could face significant out-of-pocket costs for repairs, medical bills, or legal fees if the damages exceed your policy limits.

With this tool, you can easily compare costs and decide whether sticking with the minimum or exploring additional coverage is the best choice for your needs and budget. Enter your state and vehicle’s information below to get an idea of what you should expect.

State minimum car insurance calculator

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Acura Integra

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Vehicle year 2023

Style 2WD 4 Door Hatchback Automatic Turbo

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Make & model Acura - Integra

Vehicle type Luxury Car

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State Minimum $613/year

Recommended

Note: *While state minimum limits are the minimum amount of car insurance required, we recommend getting full coverage of 100/300/100 so that you are fully financially protected. Check our full coverage car insurance rates here.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles 2006 to 2021.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate also includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state.

We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Data last refreshed in 2025

Average annual state minimum car insurance rates by state

Drivers are required by law to buy a minimum amount of car insurance coverage in most states. The minimum coverage amount varies by state but typically includes bodily injury and property-damage liability coverage.

Below are annual state minimum car insurance rates by state.

State	Average annual premium
Alaska	$415
Alabama	$514
Arkansas	$503
Arizona	$662
California	$751
Colorado	$547
Connecticut	$1,039
Washington, D.C.	$896
Delaware	$1,277
Florida	$1,208
Georgia	$780
Hawaii	$425
Iowa	$330
Idaho	$423
Illinois	$462
Indiana	$445
Kansas	$520
Kentucky	$708
Louisiana	$993
Massachusetts	$621
Maryland	$815
Maine	$377
Michigan	$714
Minnesota	$585
Missouri	$544
Mississippi	$510
Montana	$422
North Carolina	$644
North Dakota	$354
Nebraska	$369
New Hampshire*	$447
New Jersey	$1,124
New Mexico	$475
Nevada	$908
New York	$1,070
Ohio	$390
Oklahoma	$452
Oregon	$715
Pennsylvania	$421
Rhode Island	$761
South Carolina	$682
South Dakota	$382
Tennessee	$515
Texas	$620
Utah	$708
Virginia	$528
Vermont	$299
Washington	$490
Wisconsin	$407
West Virginia	$577
Wyoming	$286

*New Hampshire doesn’t require drivers to carry car insurance, but those who choose to forgo coverage must demonstrate financial responsibility to cover potential damages in an accident.

What does state minimum car insurance cover?

The minimum car insurance requirements in most states include liability coverage for bodily injury and property damage. However, New Hampshire stands out as an exception. Drivers in New Hampshire are not required to carry car insurance but must have sufficient funds to meet the state’s automobile financial responsibility requirements in the event of an at-fault accident. For those who choose to purchase insurance, New Hampshire mandates minimum coverage limits of 25/50/25.

Some states, like Maryland and Maine, go beyond basic liability coverage and require drivers to purchase additional protections, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage. Meanwhile, in Virginia, drivers must carry minimum coverage limits of 25/50/20 or pay a $500 uninsured motorist fee to the state’s DMV to legally drive without insurance.

What are the minimum car insurance requirements by state?

Most states require drivers to fulfill the minimum driving requirement to take their cars on the road.

Key acronyms to know:

BI- Bodily injury liability
PD- Property damage liability
UM/UIM- Uninsured and underinsured motorist
PIP- Personal Injury protection
UM BI- Uninsured bodily injury
UIM BI- Underinsured motorist bodily injury
UMPD- Uninsured motorist property damage
PPI- Payment protection insurance
FR- Financial responsibility

The table below shows the minimum car insurance requirements by state.

	State		Insurance required	Coverage limit (BI/PD)	UI/UM, PIP Medpay
Alabama	BI/PD liability	25/50/25	None
Alaska	BI/PD liability	50/100/25	None
Arizona	BI/PD liability	25/50/15	None
Arkansas	BI/PD liability, PIP	25/50/25	None
California	BI/PD liability	15/30/5 (2)	None
Colorado	BI/PD liability	25/50/15	None
Connecticut	BI/PD, UM/UIM	25/50/25	UM/UIM BI: 25/50
Delaware	BI/PD, PIP	25/50/10	PIP: 15/30
District of Columbia (DC)	BI/PD, UM	25/50/10	UM:
Florida	PD, PIP	10/20/10 PD*	PIP
Georgia	BI/PD liability	25/50/25	None
Hawaii	BI/PD, PIP	20/40/10	PIP:10k
Idaho	BI/PD liability	25/50/15	None
Illinois	BI/PD, UM, UIM	25/50/20	UM BI: 25/50
Indiana	BI/PD liability	25/50/25	UM BI: 25/50
Iowa	BI/PD liability	20/40/15	None
Kansas	BI/PD, PIP and UM/UIM	25/50/25	UM/UIM: 25/50 PIP: $4,500/person for medical expenses $900/month for one year for disability/loss of income $25/day for in-home services $2,000 for funeral, burial or cremation expense $4,500 for rehabilitation expense
Kentucky	BI/PD, PIP	25/50/25	PIP: 10k
Louisiana	BI/PD liability	15/30/25	None
Maine	BI/PD, UM, Medpay	50/100/25	UM: 50/100 Medical payments: 2k
Maryland	BI/PD, UM, UIM, PIP	30/60/15	UM/UIM: 30/60/15 PIP: $2,500*
Massachusetts	BI/PD, PIP	20/40/5	PIP: 8k
Michigan	BI/PD, PIP	20/40/10	PIP: 6 choices from 50k to unlimited PPI: $1,000,000
Minnesota	BI/PD, UM, UIM, PIP	30/60/10	UM/UIM: 25/50 PIP: 40k
Mississippi	BI/PD liability	25/50/25	None
Missouri	BI/PD, UM BI	25/50/25	UM BI: 25/50
Montana	BI/PD liability	25/50/20	None
Nebraska	BI/PD, UM, UIM	25/50/25	UM/UIM: 25/50
Nevada	BI/PD liability	25/50/20	None
New Hampshire	FR* only	25/50/25	UM/UIM BI: 25/50 Medical payments:1k
New Jersey	BI/PD, UM, UIM, PIP	15/30/5	UM/UIM: 15/30/5 PIP: 15k
New Mexico	BI/PD liability	25/50/10	None
New York	BI/PD, UM, UIM, PIP	25/50/10	UM/UIM: 25/50 PIP: 50k
North Carolina	BI/PD, UM, UIM	30/60/25	UM/UIM: 30/60/25
North Dakota	BI/PD, UM, UIM PIP	25/50/25	UM/UIM BI: 25/50 PIP: 30k
Ohio	BI/PD liability	25/50/25	None
Oklahoma	BI/PD liability	25/50/25	None
Oregon	BI/PD, UM, PIP, UIM	25/50/20	UM/UIM: 25/50 PIP: 15k
Pennsylvania	BI/PD, PIP	15/30/5	First-party benefits PIP: 5k
Rhode Island	BI/PD liability	25/50/25	None
South Carolina	BI/PD, UM	25/50/25	UM: 25/50
South Dakota	BI/PD, UM,UIM	25/50/25	UM/UIM: 25/50
Tennessee	BI/PD liability	25/50/15	None
Texas	BI/PD liability	30/60/25	None
Utah	BI/PD, PIP	25/65/15	PIP: 3k
Vermont	BI/PD, UM, UIM	25/50/10	UM/ UIM: 50/100/10
Virginia	BI/PD, UM, UIM	25/50/20	UM/ UIM: 25/50/20
Washington	BI/PD liability	25/50/10	None
West Virginia	BI/PD, UM/UIM	25/50/25	UM/UIM: 25/50/25
Wisconsin	BI/PD, UM, Medpay	25/50/10	UM 25/50 Medpay:1k
Wyoming	BI/PD liability	25/50/20	None

*Florida does not require BI liability but many carriers require 10/20

*In Maryland, full PIP can be waived for a limited PIP option.

*New Hampshire doesn’t require car insurance, but these are the minimum limits if you decide to buy a policy.

Car insurance is essential for drivers, even in states where it’s not legally required. A comprehensive car insurance policy can shield you from potentially owing thousands of dollars in damages and medical expenses if you’re involved in an accident.

Sources:

Insurance Information Institute.“ Industry Directory.” Accessed November 2025.

GEICO.“Virginia Car Insurance.” Accessed November 2025.

Insurance Information Institute. “Facts + Statistics: Underinsured Motorist.” Accessed November 2025.

Kelly Blue Book. “Penalties for Driving Without Car Insurance by State.” Accessed November 2025.

New Hampshire Insurance Department. “2022 Automobile Insurance Consumer Frequently Asked Questions.” Accessed November 2025.

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Methodology

Insure.com editors collected state minimum liability car insurance rates from Quadrant Information Services. We analyzed 75,263,537 records across 34,588 ZIP codes and 169 insurance companies nationwide using a sample driver profile of a 40-year-old male and female.

Laura Longero

Executive Editor

Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.

On this page

Average annual state minimum car insurance rates by state
What does state minimum car insurance cover?
What are the minimum car insurance requirements by state?
Methodology

State minimum car insurance calculator

State minimum car insurance calculator

Average annual state minimum car insurance rates by state

What does state minimum car insurance cover?

What are the minimum car insurance requirements by state?

Methodology

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