Car insurance rules by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Rules have exceptions; open your state for details and the law it comes from.
| State | Minimum liability | Fault system | Shared-fault rule |
|---|---|---|---|
| Alabama | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Contributory negligence: any fault (even 1%) can bar recovery |
| Alaska | $50,000 / $100,000 / $25,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| Arizona | $25,000 / $50,000 / $15,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| Arkansas | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| California | $30,000 / $60,000 / $15,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| Colorado | $25,000 / $50,000 / $15,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Connecticut | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Delaware | $25,000 / $50,000 / $10,000 | At-fault, with required PIP | Modified comparative: barred at 51% fault or more |
| District of Columbia Under review | $25,000 / $50,000 / $10,000 | At-fault (the driver who caused it pays) | Contributory negligence: any fault (even 1%) can bar recovery |
| Florida | No bodily injury requirement; $10,000 property damage | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 51% fault or more |
| Georgia | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Hawaii | $40,000 / $80,000 / $20,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 51% fault or more |
| Idaho | $25,000 / $50,000 / $15,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Illinois | $25,000 / $50,000 / $20,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Indiana | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Iowa | $20,000 / $40,000 / $15,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Kansas | $25,000 / $50,000 / $25,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 50% fault or more |
| Kentucky | $25,000 / $50,000 / $25,000 | Choice no-fault (you pick limited or full right to sue) | Pure comparative: recovery reduced by your share of fault |
| Louisiana | $15,000 / $30,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Maine | $50,000 / $100,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Maryland | $30,000 / $60,000 / $15,000 | At-fault, with required PIP | Contributory negligence: any fault (even 1%) can bar recovery |
| Massachusetts | $25,000 / $50,000 / $30,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 51% fault or more |
| Michigan | $50,000 / $100,000 / $10,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 51% fault or more |
| Minnesota | $30,000 / $60,000 / $10,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 51% fault or more |
| Mississippi | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| Missouri | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| Montana | $25,000 / $50,000 / $20,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Nebraska | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Nevada | $25,000 / $50,000 / $20,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| New Hampshire | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| New Jersey | $35,000 / $70,000 / $25,000 | Choice no-fault (you pick limited or full right to sue) | Modified comparative: barred at 51% fault or more |
| New Mexico | $25,000 / $50,000 / $10,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| New York | $25,000 / $50,000 / $10,000 | No-fault (PIP pays first; lawsuits limited) | Pure comparative: recovery reduced by your share of fault |
| North Carolina | $50,000 / $100,000 / $50,000 | At-fault (the driver who caused it pays) | Contributory negligence: any fault (even 1%) can bar recovery |
| North Dakota | $25,000 / $50,000 / $25,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 50% fault or more |
| Ohio | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Oklahoma | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Oregon | $25,000 / $50,000 / $20,000 | At-fault, with required PIP | Modified comparative: barred at 51% fault or more |
| Pennsylvania | $15,000 / $30,000 / $5,000 | Choice no-fault (you pick limited or full right to sue) | Modified comparative: barred at 51% fault or more |
| Rhode Island | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| South Carolina | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| South Dakota | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Slight/gross negligence rule |
| Tennessee | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 50% fault or more |
| Texas | $30,000 / $60,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Utah | $30,000 / $65,000 / $25,000 | No-fault (PIP pays first; lawsuits limited) | Modified comparative: barred at 50% fault or more |
| Vermont | $25,000 / $50,000 / $10,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Virginia | $50,000 / $100,000 / $25,000 | At-fault (the driver who caused it pays) | Contributory negligence: any fault (even 1%) can bar recovery |
| Washington | $25,000 / $50,000 / $10,000 | At-fault (the driver who caused it pays) | Pure comparative: recovery reduced by your share of fault |
| West Virginia | $25,000 / $50,000 / $25,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Wisconsin | $25,000 / $50,000 / $10,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
| Wyoming | $25,000 / $50,000 / $20,000 | At-fault (the driver who caused it pays) | Modified comparative: barred at 51% fault or more |
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.