51 guides
State Insurance Guides provide drivers with state-specific information about car insurance requirements, minimum coverage limits, fault laws, average costs, and penalties for driving uninsured. Car insurance laws vary significantly from state to state, so understanding your specific state's requirements is essential for staying legal and adequately protected. About State Insurance Guides Each state sets its own minimum car insurance requirements, fault system (at-fault or no-fault), and penalties for non-compliance. These guides break down what each state requires, what the minimums actually cover, why minimum coverage may not be enough, average premium costs, and the consequences of driving without insurance. The information helps drivers understand their legal obligations and make informed coverage decisions. What These Guides Cover State insurance guides cover minimum liability requirements, whether the state uses an at-fault or no-fault system, requirements for uninsured/underinsured motorist coverage, personal injury protection rules, penalties for driving uninsured, SR-22 or FR-44 filing requirements, average insurance costs, and recommendations for adequate coverage beyond the legal minimum. Important Note Insurance requirements and laws can change, and the information in these guides is provided for general educational purposes. Drivers should always verify current requirements with their state's department of insurance or a licensed agent, as minimum limits, penalties, and regulations are subject to change over time.
Washington, D.C. requires liability coverage of 25/50/10 plus uninsured motorist coverage, with an optional no-fault PIP feature. Learn the District’s requirements, the no-fault election, penalties, and recommended limits.
Hawaii is a no-fault state that doubled its minimum liability to 40/80/20 in 2026, plus $10,000 PIP. Learn how no-fault works, the updated requirements, penalties, and why the minimums still fall short.
Delaware is a modified no-fault state requiring four coverages: liability of 25/50/10, PIP, and uninsured motorist coverage. Learn how no-fault works, the requirements, penalties, and why PIP can’t be waived.
Wyoming requires minimum liability coverage of 25/50/20 under an at-fault system and has the nation’s lowest uninsured-driver rate. Learn the requirements, penalties for driving uninsured, and recommended limits.
Alaska requires minimum liability coverage of 50/100/25 (higher than most states) under an at-fault system, though some remote areas don’t require it. Learn the requirements, penalties, and recommended limits.
Vermont requires liability coverage of 25/50/10 plus uninsured/underinsured motorist coverage at 50/100, higher than the liability minimum. Learn the state’s requirements, penalties, and recommended limits.
Rhode Island requires minimum liability coverage of 25/50/25 under an at-fault system. Learn the state’s requirements, uninsured motorist options, penalties for driving uninsured, and why the minimums often fall short.
Maine requires three coverages: liability of 50/100/25 (higher than most states), MedPay, and uninsured motorist coverage. Learn the state’s requirements, penalties for driving uninsured, and recommended limits.
South Dakota requires liability coverage of 25/50/25 plus uninsured and underinsured motorist coverage under an at-fault system. Learn the state’s requirements, penalties for driving uninsured, and recommended limits.
North Dakota is a no-fault state requiring liability of 25/50/25, $30,000 PIP, and uninsured/underinsured motorist coverage. Learn how no-fault works, the state’s requirements, penalties, and recommended limits.
Montana requires minimum liability coverage of 25/50/20 under an at-fault system. Learn the state’s requirements, uninsured motorist options, penalties for driving uninsured, and why the minimums often fall short.
Idaho requires minimum liability coverage of 25/50/15 under an at-fault system. Learn the state’s requirements, uninsured motorist options, penalties for driving uninsured, and why the decades-old minimums fall short.
