Coverage Requirement Checker
Check the minimum car insurance every state requires — liability limits, PIP, uninsured motorist coverage and what each one means.
Check your state's minimum coverage
Reading minimum limits
States write liability minimums as three numbers, such as 25/50/25: the most your policy pays for one person's injuries, for all injuries in one crash, and for property damage — in thousands of dollars. No-fault states add required personal injury protection (PIP), and many states require uninsured motorist coverage too. Minimum car insurance requirements explained.
Frequently asked questions
Is the state minimum enough?
Usually not. A serious injury crash can exceed low minimum limits quickly, leaving you personally responsible for the rest. Many drivers choose 100/300/100.
Which states require PIP?
No-fault states require personal injury protection, and a few at-fault states require it as well. Select a state above to see its rules.
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