Insurance

Auto Insurance Requirements by State

Minimum liability limits, average premiums, and rules that affect students and new drivers in every state.

8 pages in this collection.

California Car Insurance Requirements & Average Cost (2026) California requires 15/30/5 minimum bodily injury and property damage liability (increasing to 30/60/15 under SB 1107). California is a pure comparative fault state. Read the breakdown →
Texas Car Insurance Requirements & Average Cost (2026) Texas requires 30/60/25 liability coverage. Texas uses TexasSure electronic verification and follows a 51% proportionate responsibility bar rule. Read the breakdown →
Florida Car Insurance Requirements & No-Fault Law (2026) Florida requires ,000 Personal Injury Protection (PIP) and ,000 Property Damage Liability (PDL). Florida does not mandate bodily injury liability for most drivers. Read the breakdown →
New York Car Insurance Requirements & No-Fault Law (2026) New York requires 25/50/10 liability, 50/100 for wrongful death, ,000 PIP, and statutory uninsured motorist bodily injury coverage. Read the breakdown →
Ohio Car Insurance Requirements & Average Cost (2026) Ohio enforces 25/50/25 liability coverage under its Financial Responsibility Act, with random BMV mail verification and 51% modified comparative fault. Read the breakdown →
Pennsylvania Car Insurance Requirements & Full vs Limited Tort (2026) Pennsylvania requires 15/30/5 liability plus ,000 First Party Benefits (FPB). Drivers must choose between Limited Tort and Full Tort coverage. Read the breakdown →
Illinois Car Insurance Requirements & Mandatory Verification (2026) Illinois requires 25/50/20 liability and matching 25/50 uninsured motorist coverage. Illinois verifies coverage through the ILIVS electronic portal. Read the breakdown →
Michigan Car Insurance Requirements & PIP Choice Reform (2026) Michigan requires default 50/100/10 liability and provides 6 tiers of PIP medical coverage, ranging from k to unlimited lifetime benefits under MCCA. Read the breakdown →