State Car Insurance Laws
Every state requires vehicle owners to demonstrate their "financial responsibility" in case they're involved in an accident, usually as a condition of registering a vehicle. And most states specifically require drivers to carry certain minimum types and amounts of car insurance coverage.
Car insurance is bound to play a big part in the aftermath of any kind of traffic accident. In the dozen or so states that follow some version of a no-fault car insurance system, anyone injured in a crash typically turns first to their own car insurance coverage for payment of accident-related medical bills and other losses. In fault-based car insurance states, when a driver causes an accident, their liability insurance will kick in and pay for injuries, vehicle damage, and other harm suffered by anyone else involved in the crash.
Here you'll find details on the car insurance rules in your state—including minimum coverage requirements, information on the car insurance claim process, penalties for driving without car insurance, and more.
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
State-Specific Car Insurance Laws
Here you'll find details on the car insurance rules in your state—including minimum coverage requirements, information on the car insurance claim process, penalties for driving without car insurance, and more.
- 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
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