Home Car insurance Car insurance calculator State minimum car insurance calculator State minimum car insurance calculator Our calculator provides customized rate estimates by analyzing your state’s minimum coverage requirements along with personal details such as your location and vehicle type. View Carriers Please enter valid zip Compare top carriers in your area Written by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: December 12, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Understanding the cost of meeting your state’s minimum car insurance requirements is essential when budgeting for coverage. Our state minimum car insurance calculator helps you estimate how much you’ll pay based on factors like your location and the type of vehicle you dirve. Since minimum coverage rates vary significantly by state and insurer, this tool provides a personalized snapshot of what to expect, allowing you to make informed decisions. By using the calculator, you can uncover the most affordable options for meeting your state’s legal requirements. While state minimum coverage is typically the cheapest option, it’s important to remember it offers limited protection. State minimum coverage usually only includes liability insurance, which pays for damages or injuries you cause to others but doesn’t cover your own vehicle or medical expenses. This means if you’re involved in an accident, you could face significant out-of-pocket costs for repairs, medical bills, or legal fees if the damages exceed your policy limits. With this tool, you can easily compare costs and decide whether sticking with the minimum or exploring additional coverage is the best choice for your needs and budget. Enter your state and vehicle’s information below to get an idea of what you should expect. State minimum car insurance calculator Select Year Select Year2019201820172016201520142013201220112010 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPorscheSmartSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelILX 2.4LILX 2.4L PremiumILX 2.4L Premium A-SPECILX 2.4L TechILX 2.4L Tech A-SPECMDXMDX A-SPECMDX AdvanceMDX Advance RESMDX SHMDX SH AdvanceMDX SH Advance EntertainmentMDX Sport AdvanceMDX Sport TechMDX TechMDX Tech ResRDXRDX A-SpecRDX Adv PackageRDX TechRLX Sport AdvRLX TechTLX 2.4LTLX 3.5LTLX A-SPECTLX Tech 2.4L State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareWashington D.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select2019201820172016201520142013201220112010 State Select Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. 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 State Minimum Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! Year 2019 Vehicle Type Car Make & Model Acura - ILX 2.4L Cylinders 4 Style 4 Door Sedan State Nationwide State Minimum Coverage $592/year Get Quote Get Quote Nationwide Let"s start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don"t have a DUI. Don"t need an SR22. Number of vehicles - + *While state minimum limits are the minimum amount of car insurance required, we recommend getting full coverage of 100/300/100 so that you are fully financially protected. Check our full coverage car insurance rates here. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles 2006 to 2021. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate also includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average annual state minimum car insurance rates by state Drivers are required by law to buy a minimum amount of car insurance coverage in most states. The minimum coverage amount varies by state but typically includes bodily injury and property-damage liability coverage. Below are annual state minimum car insurance rates by state. StateAverage annual premiumAlaska$398Alabama$433Arkansas$397Arizona$516California$551Colorado$437Connecticut$704Washington D.C.$558Delaware$788Florida$993Georgia$577Hawaii$396Iowa$260Idaho$357Illinois$421Indiana$417Kansas$434Kentucky$606Louisiana$722Massachusetts$511Maryland$727Maine$335Michigan$604Minnesota$475Missouri$488Mississippi$463Montana$350North Carolina$476North Dakota$349Nebraska$331New Hampshire*$497New Jersey$853New Mexico$421Nevada$720New York$731Ohio$362Oklahoma$408Oregon$641Pennsylvania$375Rhode Island$646South Carolina$720South Dakota$307Tennessee$442Texas$572Utah$582Virginia$428Vermont$306Washington$438Wisconsin$365West Virginia$510Wyoming$288 *New Hampshire idoesn’t require drivers to carry car insurance, but those who choose to forgo coverage must demonstrate financial responsibility to cover potential damages in an accident. What does state minimum car insurance cover? The minimum car insurance requirements in most states include liability coverage for bodily injury and property damage. However, New Hampshire stands out as an exception. Drivers in New Hampshire are not required to carry car insurance but must have sufficient funds to meet the state’s automobile financial responsibility requirements in the event of an at-fault accident. For those who choose to purchase insurance, New Hampshire mandates minimum coverage limits of 25/50/25. Some states, like Maryland and Maine, go beyond basic liability coverage and require drivers to purchase additional protections, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage. Meanwhile, in Virginia, drivers must carry minimum coverage limits of 25/50/20 or pay a $500 uninsured motorist fee to the state’s DMV to legally drive without insurance. What are the minimum car insurance requirements by state? Most states require drivers to fulfill the minimum driving requirement to take their cars on the road. Key acronyms to know: BI- Bodily injury liability PD- Property damage liability UM/UIM- Uninsured and underinsured motorist PIP- Personal Injury protection UM BI- Uninsured bodily injury UIM BI- Underinsured motorist bodily injury UMPD- Uninsured motorist property damage PPI- Payment protection insurance FR- Financial responsibility The table below shows the minimum car insurance requirements by state. StateInsurance requiredCoverage limit (BI/PD)UI/UM, PIP Medpay Alabama BI/PD liability 25/50/25 None Alaska BI/PD liability 50/100/25 None Arizona BI/PD liability 25/50/15 None Arkansas BI/PD liability, PIP 25/50/25 None California BI/PD liability 15/30/5 (2) None Colorado BI/PD liability 25/50/15 None Connecticut BI/PD, UM/UIM 25/50/25 UM/UIM BI: 25/50 Delaware BI/PD, PIP 25/50/10 PIP: 15/30 District of Columbia (DC) BI/PD, UM 25/50/10 UM: Florida PD, PIP 10/20/10 PD* PIP Georgia BI/PD liability 25/50/25 None Hawaii BI/PD, PIP 20/40/10 PIP:10k Idaho BI/PD liability 25/50/15 None Illinois BI/PD, UM, UIM 25/50/20 UM BI: 25/50 Indiana BI/PD liability 25/50/25 UM BI: 25/50 Iowa BI/PD liability 20/40/15 None Kansas BI/PD, PIP and UM/UIM 25/50/25 UM/UIM: 25/50 PIP: $4,500/person for medical expenses $900/month for one year for disability/loss of income $25/day for in-home services $2,000 for funeral, burial or cremation expense $4,500 for rehabilitation expense Kentucky BI/PD, PIP 25/50/25 PIP: 10k Louisiana BI/PD liability 15/30/25 None Maine BI/PD, UM, Medpay 50/100/25 UM: 50/100 Medical payments: 2k Maryland BI/PD, UM, UIM, PIP 30/60/15 UM/UIM: 30/60/15 PIP: $2,500* Massachusetts BI/PD, PIP 20/40/5 PIP: 8k Michigan BI/PD, PIP 20/40/10 PIP: 6 choices from 50k to unlimited PPI: $1,000,000 Minnesota BI/PD, UM, UIM, PIP 30/60/10 UM/UIM: 25/50 PIP: 40k Mississippi BI/PD liability 25/50/25 None Missouri BI/PD, UM BI 25/50/25 UM BI: 25/50 Montana BI/PD liability 25/50/20 None Nebraska BI/PD, UM, UIM 25/50/25 UM/UIM: 25/50 Nevada BI/PD liability 25/50/20 None New Hampshire FR* only 25/50/25 UM/UIM BI: 25/50 Medical payments:1k New Jersey BI/PD, UM, UIM, PIP 15/30/5 UM/UIM: 15/30/5 PIP: 15k New Mexico BI/PD liability 25/50/10 None New York BI/PD, UM, UIM, PIP 25/50/10 UM/UIM: 25/50 PIP: 50k North Carolina BI/PD, UM, UIM 30/60/25 UM/UIM: 30/60/25 North Dakota BI/PD, UM, UIM PIP 25/50/25 UM/UIM BI: 25/50 PIP: 30k Ohio BI/PD liability 25/50/25 None Oklahoma BI/PD liability 25/50/25 None Oregon BI/PD, UM, PIP, UIM 25/50/20 UM/UIM: 25/50 PIP: 15k Pennsylvania BI/PD, PIP 15/30/5 First-party benefits PIP: 5k Rhode Island BI/PD liability 25/50/25 None South Carolina BI/PD, UM 25/50/25 UM: 25/50 South Dakota BI/PD, UM,UIM 25/50/25 UM/UIM: 25/50 Tennessee BI/PD liability 25/50/15 None Texas BI/PD liability 30/60/25 None Utah BI/PD, PIP 25/65/15 PIP: 3k Vermont BI/PD, UM, UIM 25/50/10 UM/ UIM: 50/100/10 Virginia BI/PD, UM, UIM 25/50/20 UM/ UIM: 25/50/20 Washington BI/PD liability 25/50/10 None West Virginia BI/PD, UM/UIM 25/50/25 UM/UIM: 25/50/25 Wisconsin BI/PD, UM, Medpay 25/50/10 UM 25/50 Medpay:1k Wyoming BI/PD liability 25/50/20 None *Florida does not require BI liability but many carriers require 10/20 *In Maryland, full PIP can be waived for a limited PIP option. *New Hampshire doesn’t require car insurance, but these are the minimum limits if you decide to buy a policy. Car insurance is essential for drivers, even in states where it’s not legally required. A comprehensive car insurance policy can shield you from potentially owing thousands of dollars in damages and medical expenses if you’re involved in an accident. Sources: Insurance Information Institute.“ Industry Directory.” Accessed October 2022. Geico.“Virginia Car Insurance.” Accessed October 2022. Insurance Information Institute. “Facts + Statistics: Underinsured Motorist.” Accessed October 2022. Kelly Blue Book. “Penalties for Driving Without Car Insurance by State.” Accessed October 2022. New Hampshire Insurance Department. “2022 Automobile Insurance Consumer Frequently Asked Questions.” Accessed October 2022. Methodology Insurance.com commissioned Quadrant Information Services in 2023 to field rates from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2023 Honda Accord. Full coverage of 100/300/100 with comprehensive and collision; $500 deductible. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance estimate calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2024 Used car insurance costs: Most and least expensive models to insure Car insurance estimator: Use our tool to estimate your auto premiums 1/1 Laura LongeroExecutive Editor | . .Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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