Car insurance requirements by state

Get car insurance information for your state

Want to know more about your state's minimum car insurance laws and requirements? Progressive has you covered. Find your state below to see what type of insurance you may need, available discounts, and more.

Minimum requirements for car insurance by state

Car insurance requirements vary by state. Nearly all states have minimum requirements for liability coverage, but there are a number of other coverages that may or may not be required in a specific state. Car insurance coverages that may be required in your state include:

• Liability insurance: Almost all states require a minimum amount of liability insurance. This coverage helps pay for any injuries or damages you cause in a car accident, including those of the other driver and their passengers.
• Uninsured/underinsured motorist (UM/UIM) coverage: UM/UIM coverage helps cover the cost of injuries to you and your passengers, as well as damage to your car and other property, if you're hit by a driver with little or no insurance. About half of all states require UM/UIM coverage, and some may only require you to purchase coverage for bodily injury.
• Personal injury protection (PIP): PIP covers medical expenses for insured drivers and their passengers, regardless of fault. It can also cover lost wages or other benefits not covered by health insurance. You'll typically only need this coverage in no-fault states, but a few at-fault states require it as well.
• Medical payments coverage: This coverage goes toward medical expenses due to injuries from a car accident. It covers you, your family, or your passengers. It doesn't cover lost wages or any additional benefits. Maine is the only state that requires medical payments coverage.

Comprehensive and collision are also common types of car insurance coverage, though no state requires them. These optional coverages pay for damages to your car due to fire, theft, vandalism, animal strikes, acts of nature, glass breakage, and collisions.

Learn more about each type of car insurance coverage.