Home Car insurance Car insurance calculator State minimum car insurance calculator State minimum car insurance calculator Insure.com’s state minimum car insurance calculator will show you the minimum-coverage insurance requirement in your state. View Carriers Please enter valid zip Compare top carriers in your area Written by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 28, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a first-time driver or have been driving for years, one of the most important things is to make sure you have car insurance coverage. Depending on your state, the minimum amount of required car insurance differs. However, the minimum amount of coverage required by law is usually not enough to fully cover the costs of an accident and experts recommend that drivers purchase additional coverage beyond the minimum requirements. If you don’t have enough coverage, you may be left with expensive bills if you’re in an accident. Insure.com’s state minimum car insurance calculator helps you determine how much car insurance you need to comply with your state’s laws. Enter your state, vehicle make/model and model year below. The calculator uses these details to generate the annual average for state-minimum car insurance in your state. State minimum car insurance calculator Select Year Select Year2019201820172016201520142013201220112010 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPorscheSmartSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelILX 2.4LILX 2.4L PremiumILX 2.4L Premium A-SPECILX 2.4L TechILX 2.4L Tech A-SPECMDXMDX A-SPECMDX AdvanceMDX Advance RESMDX SHMDX SH AdvanceMDX SH Advance EntertainmentMDX Sport AdvanceMDX Sport TechMDX TechMDX Tech ResRDXRDX A-SpecRDX Adv PackageRDX TechRLX Sport AdvRLX TechTLX 2.4LTLX 3.5LTLX A-SPECTLX Tech 2.4L State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareWashington D.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select2019201820172016201520142013201220112010 State Select Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! Year 2019 Vehicle Type Car Make & Model Acura - ILX 2.4L Cylinders 4 Style 4 Door Sedan State Nationwide State Minimum Coverage $592/year Get Quote Get Quote Nationwide Let"s start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don"t have a DUI. Don"t need an SR22. Number of vehicles - + *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. 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. StateAverage annual premiumAlaska$336Alabama$420Arkansas$422Arizona$494California$582Colorado$467Connecticut$773Washington D.C.$577Delaware$821Florida$908Georgia$567Hawaii$389Iowa$263Idaho$326Illinois$484Indiana$384Kansas$389Kentucky$717Louisiana$726Massachusetts$523Maryland$607Maine$330Michigan$711Minnesota$479Missouri$525Mississippi$434Montana$389North Carolina$396North Dakota$340Nebraska$350New Hampshire*$411New Jersey$989New Mexico$376Nevada$683New York$875Ohio$308Oklahoma$352Oregon$551Pennsylvania$398Rhode Island$648South Carolina$628South Dakota$267Tennessee$368Texas$520Utah$526Virginia$469Vermont$306Washington$505Wisconsin$375West Virginia$474Wyoming$293 *New Hampshire does not have a law that requires you to have car insurance. But if you decide to get insurance, you must purchase minimum limits available for liability coverage, i.e., 25/50/25. What does state minimum car insurance cover? The minimum amount of coverage required by the states typically includes liability insurance for bodily injury and property damage. However, New Hampshire is an exception. You are not required to have car insurance in New Hampshire, but you should have enough funds to meet New Hampshire automobile financial responsibility requirements in an “at-fault” accident. And if you decide to purchase car insurance in New Hampshire, you do have to meet the state’s minimum of 25/50/25. Some states such as Maryland and Maine require drivers to purchase additional types of coverage, such as personal injury protection and uninsured/underinsured motorist coverage. In Virginia, the state laws require you to carry minimum coverage with limits of at least 25/50/20 or you will have to pay an uninsured motorist fee of $500 to the state’s DMV. What are 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 below table 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 does not require car insurance, but these are the minimum limits if you decide to buy a policy. Car insurance is a must-have for drivers, even if you live in a state that doesn’t require it. If you’re in an accident, a robust car insurance policy can protect you from being liable for thousands of dollars in damages and medical treatment. Sources: Insurance Information Institute.“ Industry Directory.” Accessed October 2022. Geico.“Virginia Car Insurance.” Accessed October 2022. Insurance Information Institute. “Facts + Statistics: Underinsured Motorist.” Accessed October 2022. Kelly Blue Book. “Penalties for Driving Without Car Insurance by State.” Accessed October 2022. New Hampshire Insurance Department. “2022 Automobile Insurance Consumer Frequently Asked Questions.” Accessed October 2022. Methodology Insure.com commissioned Quadrant Information Services in 2022 to find out the rates in every state for state minimum coverage with state-specific limits. We used Insurance Information Institute’s ‘Automobile Financial Responsibility Limits By State’ data which was updated in January 2022 to know every state’s minimum auto insurance requirements. State minimum car insurance rates by state are based on the profile of a 40-year-old male driver with a good insurance score and clean record driving a 2021 Honda Accord LX. Looking to simplify insurance cost estimation? 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She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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