51 guides
West Virginia requires liability coverage of 25/50/25 plus uninsured motorist coverage under an at-fault system. Learn the state’s requirements, penalties for driving uninsured, why comprehensive matters, and recommended limits.
New Mexico requires liability coverage of 25/50/10, and as of January 2026 uninsured motorist coverage is now mandatory too. Learn the updated requirements, penalties, and why the low minimums fall short.
Nebraska 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.
Mississippi requires minimum liability coverage of 25/50/25 under an at-fault system, and has the highest uninsured-driver rate in the nation. Learn the requirements, penalties, and why UM coverage matters here.
New Hampshire is the only state that doesn’t generally require car insurance, but drivers must prove financial responsibility. Learn the rules, required coverages if you buy a policy, and why going uninsured is risky.
Arkansas requires minimum liability coverage of 25/50/25 under an at-fault system, plus add-on PIP and uninsured motorist coverage unless waived. Learn the requirements, penalties, and recommended limits.
Iowa requires minimum liability coverage of 20/40/15 under an at-fault system, plus a no pay no play rule for uninsured drivers. Learn the requirements, penalties, and why the low minimums often fall short.
Utah is a no-fault state requiring liability of 30/65/25 (raised in 2025) plus $3,000 PIP. Learn how no-fault works, the updated requirements, penalties for driving uninsured, and why the low PIP minimum matters.
Kansas is a no-fault state requiring liability of 25/50/25, PIP, and uninsured/underinsured motorist coverage. Learn how no-fault works, the state’s requirements, penalties, and why the low PIP minimum matters.
Oklahoma requires minimum liability coverage of 25/50/25 under an at-fault system. Learn the state’s requirements, uninsured motorist options, why comprehensive matters in Tornado Alley, and penalties for driving uninsured.
Alabama requires minimum liability coverage of 25/50/25 under an at-fault system with a strict pure contributory negligence rule. Learn the state’s requirements, penalties, and why adequate coverage is critical.
Kentucky is a choice no-fault state requiring liability of 25/50/25 plus $10,000 PIP. Learn how the no-fault choice works, the state’s requirements, penalties for driving uninsured, and recommended limits.
