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Legal Minimum Car Insurance Coverage by State

No one expects to get in a car accident, especially one that's their fault. However, accidents do happen and that's why we purchase car insurance. In fact, most states require that drivers purchase a minimum amount of car insurance and penalize those who drive without valid or sufficient insurance. The chart below lays out the minimum car insurance coverage by state, including different types of coverage, acceptable proof of insurance, penalties if you fail to insure your car, and other related information.

Alabama

The Alabama Department of Revenue provides a brochure that explains the mandatory liability insurance law [PDF].

Alaska

The Alaska Division of Motor Vehicles website offers information about mandatory insurance for motor vehicles.

Arizona

The Arizona Department of Transportation offers a Frequently Asked Questions section, which includes information about mandatory car insurance.

Arkansas

The Arkansas Insurance Department provides information about mandatory automobile insurance in the Consumer Frequently Asked Questions section.

California

The California Department of Motor Vehicles offers information about minimum car insurance coverage requirements.

Colorado

The Colorado Department of Regulatory Agencies provides information about property and liability insurance, including auto insurance.

Connecticut

The Connecticut Department of Motor Vehicles provides an Insurance Compliance section on its website.

Delaware

The Delaware Department of Insurance provides an informative guide to auto insurance [PDF].

District of Columbia

The District of Columbia Department of Motor Vehicles offers information about the minimum vehicle insurance coverage required by D.C.

Florida

The Florida Department of Highway Safety and Motor Vehicles provides a section dedicated to questions and answers regarding vehicle insurance.

Georgia

Georgia's Department of Insurance offers information about automobile insurance requirements.

Hawaii

The Hawaii Department of Commerce and Consumer Affairs website information about minimum car insurance coverage in its Motor Vehicle Insurance Information section.

Idaho

The Idaho Legislature website provides the statutes related to motor vehicle financial responsibility.

Illinois

The Illinois Secretary of State provides information about mandatory insurance for vehicles on its website.

Indiana

The Indiana Department of Insurance website offers information about auto insurance.

Iowa

Iowa's laws don't require drivers to purchase car insurance; however, in the event of an accident, a driver must show proof of financial responsibility.

Kansas

The Kansas Insurance Department website provides an introduction to auto insurance, which includes information about the minimum coverage required.

Kentucky

Kentucky's Transportation Cabinet has a Frequently Asked Questions section that provides information about mandatory auto insurance.

Louisiana

The Louisiana Department of Insurance offers a helpful Consumer's Guide to Auto Insurance [PDF].

Maine

Maine's Bureau of Insurance provides a Consumer's Guide to Personal Auto Insurance [PDF].

Maryland

The Maryland Motor Vehicle Administration website provides information about insurance requirements for vehicles in that state.

Massachusetts

The Massachusetts Attorney General's website provides information to help you understand auto insurance.

Michigan

The Michigan Secretary of State website provides information about car insurance requirements.

Minnesota

The Minnesota Department of Commerce offers a help guide to auto insurance [PDF].

Mississippi

Mississippi's Insurance Department provides information about auto insurance, including what is required by law.

Missouri

The Missouri Department of Insurance dedicates a section of its website to automobile insurance.

Montana

The Montana Motor Vehicle Division website explains its minimum insurance law for motor vehicles.

Nebraska

The Nebraska Department of Motor Vehicles offers information about car insurance requirements.

Nevada

The Nevada Division of Insurance explains the state's car insurance requirements on its website.

New Hampshire

Although New Hampshire laws do not require drivers to purchase car insurance, drivers are required to meet financial responsibility requirements in the event of an "at-fault" accident. The New Hampshire Insurance.

New Jersey

The New Jersey Motor Vehicle Commission provides information regarding car insurance requirements on its website.

New Mexico

New Mexico's Motor Vehicle Division provides information related to car insurance requirements.

New York

The New York Department of Motor Vehicles provides information on the state's car insurance requirements.

North Carolina

The North Carolina Division of Motor Vehicles website provides a Liability Insurance Help section, which includes information about the minimum liability requirements for car insurance.

North Dakota

The North Dakota Insurance Department provides information about car insurance requirements in the state.

Ohio

The Ohio Department of Insurance provides a guide to the minimum coverage requirements for auto insurance [PDF].

Oklahoma

The Oklahoma Insurance Department website has a Frequently Asked Questions section, which includes help information about auto insurance.

Oregon

Oregon's Department of Motor Vehicles provides information about the state's car insurance requirements.

Pennsylvania

The Pennsylvania Insurance Department offers a variety of resources for understanding auto insurance.

Rhode Island

The Rhode Island Department of Business Regulation provides the Consumers Guide to Auto Insurance [PDF].

South Carolina

The South Carolina Department of Insurance provides information related to automobile insurance.

South Dakota

The South Dakota Division of Insurance provides information as to the mandatory automobile insurance each driver must purchase.

Tennessee

The Tennessee Department of Commerce and Insurance provides information about auto insurance.

Texas

The Texas Department of Insurance offers information about car insurance on its website.

Utah

The Utah Insurance Department has a section dedicated to auto insurance on its website.

Vermont

The Vermont Department of Motor Vehicles website provides information about insurance requirements in that state.

Virginia

The Virginia Department of Motor Vehicles provides information about car insurance requirements.

Washington

The Washington State Department of Licensing offers information regarding the mandatory insurance required by the state.

West Virginia

West Virginia's Office of the Insurance Commissioner offers information about the mandatory insurance requirements for motor vehicles.

Wisconsin

The Wisconsin Department of Transportation provides information on the minimum insurance requirements in that state.

Wyoming

The Wyoming Department of Insurance has an Auto Insurance FAQs section that provides helpful information related to minimum car insurance requirements.

Talk to a Lawyer About a Car Insurance Issue

If you have any questions about minimum car insurance required by your state, or have other questions about traffic laws, you may want to contact a local traffic ticket attorney.

For more information and resources related to state-specific traffic laws, you can visit FindLaw's State Traffic Laws section

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