State minimum car insurance calculator [2022 Rates]

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

Vehicle Make

Vehicle Model

State

Reset

Vehicle already present. Please select a different vehicle.

Matching results for your car

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

*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.

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	$336
Alabama	$420
Arkansas	$422
Arizona	$494
California	$582
Colorado	$467
Connecticut	$773
Washington D.C.	$577
Delaware	$821
Florida	$908
Georgia	$567
Hawaii	$389
Iowa	$263
Idaho	$326
Illinois	$484
Indiana	$384
Kansas	$389
Kentucky	$717
Louisiana	$726
Massachusetts	$523
Maryland	$607
Maine	$330
Michigan	$711
Minnesota	$479
Missouri	$525
Mississippi	$434
Montana	$389
North Carolina	$396
North Dakota	$340
Nebraska	$350
New Hampshire*	$411
New Jersey	$989
New Mexico	$376
Nevada	$683
New York	$875
Ohio	$308
Oklahoma	$352
Oregon	$551
Pennsylvania	$398
Rhode Island	$648
South Carolina	$628
South Dakota	$267
Tennessee	$368
Texas	$520
Utah	$526
Virginia	$469
Vermont	$306
Washington	$505
Wisconsin	$375
West Virginia	$474
Wyoming	$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.

Laura Longero

Executive Editor

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.

On this page

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

Methodology

Looking to simplify insurance cost estimation? Try our calculators:

In case you missed it