Minimum Car Insurance Requirements by State

Regional Map

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It's time to find affordable car insurance in your state! Before you begin your search for cheap auto insurance, though, you need to know the minimum required coverage in your neck of the woods.

Click on your state in the above map to learn more about your state's car insurance requirements.

As you research, you'll find that there are four basic types of coverage that tends to be included in state minimum car insurance requirements. Those coverages are:

  • Bodily injury liability: Bodily Injury Liability Coverage helps protect you financially if you (or someone on your policy) cause a car accident that injures another person or persons. It will not help pay for your medical expenses.

  • Property damage liability: Property Damage Liability coverage safeguards against costs that a driver may be held responsible for if he or she causes damage to property of another as a result of an auto accident. This typically involves damage to another person’s car, but might also include damage caused if the driver’s car hits a guardrail, a fence, mailbox, or home. It could even be commercial property that receives damage.

  • Personal injury protection: Also referred to as no-fault insurance, this coverage will help pay for certain medical, hospital, and funeral expenses, and/or lost wages incurred by you, residents of your household, passengers in your insured vehicle, and pedestrians when injured in an auto accident regardless of who is at fault. The coverage only applies to bodily injuries and does not cover damage to your car or other property. (This one's not available in all states.)

  • Uninsured/underinsured motorist: If you’re in a car accident and the at-fault driver does not have liability insurance or cannot be identified, this coverage would help pay for medical and related expenses that you incur.


Direct Auto & Life Insurance offers coverage in more than a dozen states with over 400 neighborhood locations. Stop by your local store to ask questions or get a free and easy insurance quote online!

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