LearnState Insurance Guides

State Insurance Guides

Insurance requirements, costs, and regulations vary significantly by state. Find your state's minimum requirements, average costs, regional risks, and expert recommendations to ensure you have the right coverage.

Alabama

AL
Min. Liability:25/50/25
Avg. Premium:$1,456/year
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Alaska

AK
Min. Liability:50/100/25
Avg. Premium:$1,234/year
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Arizona

AZ
Min. Liability:25/50/15
Avg. Premium:$1,678/year
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Arkansas

AR
Min. Liability:25/50/25
Avg. Premium:$1,523/year
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California

CA
Min. Liability:15/30/5
Avg. Premium:$2,065/year
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Colorado

CO
Min. Liability:25/50/15
Avg. Premium:$1,789/year
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Connecticut

CT
Min. Liability:25/50/25
Avg. Premium:$1,912/year
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Delaware

DE
Min. Liability:25/50/10
Avg. Premium:$1,834/year
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Florida

FL
Min. Liability:10/20/10
Avg. Premium:$2,587/year
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Georgia

GA
Min. Liability:25/50/25
Avg. Premium:$1,756/year
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Hawaii

HI
Min. Liability:20/40/10
Avg. Premium:$1,342/year
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Idaho

ID
Min. Liability:25/50/15
Avg. Premium:$1,189/year
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Illinois

IL
Min. Liability:25/50/20
Avg. Premium:$1,567/year
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Indiana

IN
Min. Liability:25/50/25
Avg. Premium:$1,234/year
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Iowa

IA
Min. Liability:20/40/15
Avg. Premium:$1,098/year
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Kansas

KS
Min. Liability:25/50/25
Avg. Premium:$1,345/year
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Kentucky

KY
Min. Liability:25/50/25
Avg. Premium:$1,678/year
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Louisiana

LA
Min. Liability:15/30/25
Avg. Premium:$2,456/year
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Maine

ME
Min. Liability:50/100/25
Avg. Premium:$1,123/year
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Maryland

MD
Min. Liability:30/60/15
Avg. Premium:$1,789/year
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Massachusetts

MA
Min. Liability:20/40/5
Avg. Premium:$1,912/year
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Michigan

MI
Min. Liability:50/100/10
Avg. Premium:$2,234/year
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Minnesota

MN
Min. Liability:30/60/10
Avg. Premium:$1,456/year
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Mississippi

MS
Min. Liability:25/50/25
Avg. Premium:$1,567/year
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Missouri

MO
Min. Liability:25/50/25
Avg. Premium:$1,423/year
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Montana

MT
Min. Liability:25/50/20
Avg. Premium:$1,289/year
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Nebraska

NE
Min. Liability:25/50/25
Avg. Premium:$1,234/year
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Nevada

NV
Min. Liability:25/50/20
Avg. Premium:$1,876/year
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New Hampshire

NH
Min. Liability:25/50/25
Avg. Premium:$1,345/year
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New Jersey

NJ
Min. Liability:15/30/5
Avg. Premium:$1,987/year
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New Mexico

NM
Min. Liability:25/50/10
Avg. Premium:$1,456/year
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New York

NY
Min. Liability:25/50/10
Avg. Premium:$2,156/year
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North Carolina

NC
Min. Liability:30/60/25
Avg. Premium:$1,234/year
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North Dakota

ND
Min. Liability:25/50/25
Avg. Premium:$1,098/year
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Ohio

OH
Min. Liability:25/50/25
Avg. Premium:$1,345/year
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Oklahoma

OK
Min. Liability:25/50/25
Avg. Premium:$1,567/year
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Oregon

OR
Min. Liability:25/50/20
Avg. Premium:$1,456/year
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Pennsylvania

PA
Min. Liability:15/30/5
Avg. Premium:$1,678/year
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Rhode Island

RI
Min. Liability:25/50/25
Avg. Premium:$1,789/year
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South Carolina

SC
Min. Liability:25/50/25
Avg. Premium:$1,523/year
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South Dakota

SD
Min. Liability:25/50/25
Avg. Premium:$1,189/year
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Tennessee

TN
Min. Liability:25/50/15
Avg. Premium:$1,456/year
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Texas

TX
Min. Liability:30/60/25
Avg. Premium:$1,876/year
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Utah

UT
Min. Liability:25/65/15
Avg. Premium:$1,345/year
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Vermont

VT
Min. Liability:25/50/10
Avg. Premium:$1,234/year
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Virginia

VA
Min. Liability:25/50/20
Avg. Premium:$1,456/year
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Washington

WA
Min. Liability:25/50/10
Avg. Premium:$1,567/year
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West Virginia

WV
Min. Liability:25/50/25
Avg. Premium:$1,423/year
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Wisconsin

WI
Min. Liability:25/50/10
Avg. Premium:$1,289/year
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Wyoming

WY
Min. Liability:25/50/20
Avg. Premium:$1,198/year
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Why State-Specific Insurance Matters

Different Requirements

Each state sets its own minimum insurance requirements. What's legal in one state may not be enough in another.

Cost Variations

Insurance costs vary dramatically by state due to weather risks, population density, and local regulations.

Regional Risks

Hurricanes, earthquakes, tornadoes, and floods affect different states. Your coverage should reflect local risks.

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