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Auto insurance

Every state except New Hampshire requires drivers to carry some form of car insurance or proof of financial responsibility, but the rules, the minimum limits and the way premiums are set all change at the state line. These guides explain what you are required to buy, what you may want on top, and how insurers price a policy for drivers like you.

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Car Insurance Requirements by State: Minimum Lookup

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Bodily injury liability, per person$50,000

This state requires at least $50,000 per person and $100,000 per accident for injuries you cause, plus $50,000 for property damage; required PIP: —; also required: Uninsured/underinsured motorist (UM/UIM) coverage; Limits changed July 1, 2025; no-fault state: No (checked October 18, 2026).

Bodily injury liability, per accident
$100,000
Property damage liability
$50,000
Required personal injury protection (PIP) or medical coverage
—
Other required coverage
Uninsured/underinsured motorist (UM/UIM) coverage; Limits changed July 1, 2025
No-fault state?
No
Limits checked as of
October 18, 2026
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Which coverage pays?

Test what you know about which part of an insurance policy usually pays in common situations. Answers describe typical US policies in general terms; your own policy and state rules decide what is actually covered.

  1. Question 1 of 6
    You rear-end another car at a stop light. Which coverage usually pays to fix the other driver's car?
  2. Question 2 of 6
    In the same crash, your own front bumper is damaged. Which coverage usually pays to repair your car?
  3. Question 3 of 6
    A hailstorm dents the roof and hood of your parked car. Which coverage usually pays?
  4. Question 4 of 6
    A driver with no insurance runs a red light and injures you. Which of your coverages may pay for your injuries?
  5. Question 5 of 6
    Your apartment is broken into and your laptop is stolen. Which policy usually pays?
  6. Question 6 of 6
    Heavy rain causes a nearby river to overflow and flood your home. Which coverage usually pays?

Common questions about auto insurance

Is car insurance required in every state?

Almost. Every state except New Hampshire requires drivers to carry auto liability insurance. New Hampshire still holds drivers financially responsible for crashes they cause, and some drivers there must buy insurance after certain violations. Our state minimums guide lists each state's limits.

What does 25/50/25 mean on a car insurance policy?

It is shorthand for liability limits in thousands of dollars. The first number is bodily injury coverage per person, the second is bodily injury per crash, and the third is property damage per crash. So 25/50/25 means $25,000, $50,000 and $25,000.

Is the state minimum enough coverage?

Often it is not. Minimum limits are the legal floor, and a serious crash can cost more than they pay. Anything above your limits can fall on you personally, so many drivers choose higher limits after weighing their savings and assets.

Why do car insurance prices differ so much between drivers?

Insurers use rating factors approved or filed with each state's regulator, such as your driving record, where the car is kept, the car itself, how much you drive and, in many states, a credit-based insurance score. Each insurer weighs these differently, which is why quotes vary.

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