Car Insurance and Vehicle Laws by State
Car insurance rules are set by each state: how much coverage you need, whether the state is no-fault, and what happens if you drive uninsured. Here is each state's rule, linked to the insurance department, motor vehicle agency or statute it comes from.
Choose your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare the states
- Minimum Car Insurance in Every State
- No-Fault vs. At-Fault Car Insurance States
- Uninsured Motorist Coverage by State
- Driving Without Insurance: Penalties in Every State
- SR-22 Rules in Every State
- When a Car Is Totaled: State Rules
Tools, guides and templates
- Personal injury and car accident laws
- Traffic tickets, points and DUI
- Lemon laws and consumer protection
Plain-English guides
- What Is an SR-22?
- What Does Full Coverage Car Insurance Mean?
- What Is No-Fault Car Insurance?
- What Is Uninsured and Underinsured Motorist Coverage?
Frequently asked questions
Is car insurance required in every state?
Every state sets financial responsibility rules for drivers. Most require liability insurance; a few allow alternatives such as a bond or deposit. Check your state's page for its exact rule and source.
What does minimum liability coverage pay for?
Liability coverage pays for injuries and property damage you cause to others, up to the policy limits. It does not pay to repair your own car; that requires collision or comprehensive coverage.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.