Car insurance by state
Legal minimums and typical monthly prices for a 35-year-old driver with a clean record. Pick a state for its rules, sample drivers and a preset calculator.
| State | Minimum liability | Fault system | Minimum coverage | Full coverage |
|---|---|---|---|---|
| Alabama | 25/50/25 | At-fault | $57/mo | $203/mo |
| Alaska | 50/100/25 | At-fault | $49/mo | $206/mo |
| Arizona | 25/50/15 | At-fault | $82/mo | $258/mo |
| Arkansas | 25/50/25 | At-fault | $53/mo | $236/mo |
| California | 30/60/15 | At-fault | $68/mo | $258/mo |
| Colorado | 25/50/15 | At-fault | $69/mo | $301/mo |
| Connecticut | 25/50/25 | At-fault | $104/mo | $272/mo |
| Delaware | 25/50/10 + $15k PIP | At-fault | $113/mo | $281/mo |
| District of Columbia | 25/50/10 | Choice | $88/mo | $273/mo |
| Florida | $10k PIP + $10k PD | No-fault | $97/mo | $350/mo |
| Georgia | 25/50/25 | At-fault | $95/mo | $275/mo |
| Hawaii | 40/80/20 + $10k PIP | No-fault | $42/mo | $169/mo |
| Idaho | 25/50/15 | At-fault | $41/mo | $151/mo |
| Illinois | 25/50/20 | At-fault | $62/mo | $222/mo |
| Indiana | 25/50/25 | At-fault | $48/mo | $178/mo |
| Iowa | 20/40/15 | At-fault | $36/mo | $182/mo |
| Kansas | 25/50/25 + $5k PIP | No-fault | $60/mo | $234/mo |
| Kentucky | 25/50/25 + $10k PIP | Choice | $77/mo | $252/mo |
| Louisiana | 15/30/25 | At-fault | $114/mo | $366/mo |
| Maine | 50/100/25 | At-fault | $43/mo | $159/mo |
| Maryland | 30/60/15 | At-fault | $102/mo | $283/mo |
| Massachusetts | 25/50/30 + $8k PIP | No-fault | $61/mo | $190/mo |
| Michigan | 50/100/10 | No-fault | $74/mo | $288/mo |
| Minnesota | 30/60/10 + $40k PIP | No-fault | $61/mo | $233/mo |
| Mississippi | 25/50/25 | At-fault | $56/mo | $228/mo |
| Missouri | 25/50/25 | At-fault | $67/mo | $243/mo |
| Montana | 25/50/20 | At-fault | $44/mo | $227/mo |
| Nebraska | 25/50/25 | At-fault | $44/mo | $216/mo |
| Nevada | 25/50/20 | At-fault | $105/mo | $325/mo |
| New Hampshire | 25/50/25* | At-fault | $47/mo | $150/mo |
| New Jersey | 35/70/25 + $15k PIP† | Choice | $130/mo | $308/mo |
| New Mexico | 25/50/10 | At-fault | $53/mo | $207/mo |
| New York | 25/50/10 + $50k PIP | No-fault | $94/mo | $256/mo |
| North Carolina | 50/100/50 | At-fault | $57/mo | $166/mo |
| North Dakota | 25/50/25 + $30k PIP | No-fault | $43/mo | $173/mo |
| Ohio | 25/50/25 | At-fault | $49/mo | $167/mo |
| Oklahoma | 25/50/25 | At-fault | $53/mo | $240/mo |
| Oregon | 25/50/20 + $15k PIP | At-fault | $83/mo | $210/mo |
| Pennsylvania | 15/30/5 + $5k PIP | Choice | $54/mo | $225/mo |
| Rhode Island | 25/50/25 | At-fault | $87/mo | $298/mo |
| South Carolina | 25/50/25 | At-fault | $67/mo | $238/mo |
| South Dakota | 25/50/25 | At-fault | $36/mo | $208/mo |
| Tennessee | 25/50/25 | At-fault | $52/mo | $197/mo |
| Texas | 30/60/25 | At-fault | $78/mo | $283/mo |
| Utah | 30/65/25 + $3k PIP | No-fault | $85/mo | $226/mo |
| Vermont | 25/50/10 | At-fault | $35/mo | $144/mo |
| Virginia | 50/100/25 | At-fault | $72/mo | $196/mo |
| Washington | 25/50/10 | At-fault | $63/mo | $218/mo |
| West Virginia | 25/50/25 | At-fault | $61/mo | $217/mo |
| Wisconsin | 25/50/10 | At-fault | $44/mo | $179/mo |
| Wyoming | 25/50/20 | At-fault | $26/mo | $155/mo |
Prices are model estimates (middle of the range) for a suburban driver with good credit where credit is allowed. * Insurance not mandatory for all drivers. † Standard Policy minimum; a cheaper Basic Policy also meets the law. State rules checked November 2026.