State Laws

Make sure you understand the laws in your state, and know what will be required for your policy. Minimums and coverage types will vary, so make sure your equipped with the knowledge of what you need before you purchase a policy.

Alaska

Out of the 50 American states, Alaska is unique when it comes to Auto Insurance Law because, in many of Alaska's remote areas, neither insurance nor vehicle registration is required. However, in these areas that are exempted from insurance or registration requirements if you are a driver that has been booked for a violation of 6 or more points in the past five years, you are required to carry the minimum amount of insurance required. Failure to carry it, you will face hefty punishment.

Arizona

Just like the other states in the U.S., Arizona requires all motorists to carry minimum liability insurance while driving anywhere within the state. Motorists must also carry proof of their coverage within the car all the time.

Alabama

The current Alabama auto insurance law stipulates that every driver must carry a liability auto insurance coverage to drive and maintain car registration. Only licensed Alabama auto insurance companies are allowed to enter a motorist’s insurance data into the state’s online insurance verification system.

Arkansas

Drivers in Arkansas are supposed to have liability insurance to protect all drivers from car accidents losses. This financial law protects both the driver and the injured party. It helps them to pay for injuries and damages.

Colorado

Auto insurance plays a huge role in any claim made after a car accident. In Colorado, just like in most states, car owners and drivers are required to show financial responsibility by maintaining a particular minimum amount of coverage to be legally approved to be on the road.

California

Car insurance in California is mandatory for drivers to legally take the road. Insurance helps pay for the injuries and damage that can occur if you drive a car or other motor vehicle.

Connecticut

There are over 2.5 million licensed drivers that use roadways in Connecticut State in every given day who travel thousands miles a year. It is as a result of this that leads to very many traffic accidents which to some extent results to death or very serious injuries.

Delaware

According to the latest available statistics, residents of Delaware spent more money on their car insurance policy compared to the country's average. Since the state of Delaware has no fixed insurance rates, it means it is still possible for you to lower your car insurance cost or premium. Doing so requires you to know more about the auto insurance requirements in Delaware. Once you know in details how the insurance system works in Delaware - you can make the necessary adjustment. Below is some essential information regarding the auto insurance law of Delaware State.

Florida

Florida is a no-fault state and all drivers are advised to carry the minimum liability insurance coverage. The car insurance laws in Florida are different from the insurance laws in other states. The law does not necessarily require drivers to have bodily injury liability coverage even though it is recommended. The minimum coverage requirements are lower than in other states. Drivers are advised to purchase additional insurance to ensure that they have sufficient protection. The minimum requirements are as follows;

Georgia

Georgia is an at-fault state which requires drivers to carry the minimum liability insurance when driving on public roads. The at-fault system means that the at-fault driver is liable for personal injury or property damage during an accident. Their liability insurance policy is the first option when looking for a way to pay or losses. If a driver is injured or their property is damaged during an accident, then they may receive compensation through one of these three ways.

Hawaii

Motor vehicle insurance is required if you own and operate a motor vehicle in the state of Hawaii. State law requires that the owner maintain insurance coverage for the entire time that a vehicle is registered and licensed in the state of Hawaii. Failure to comply with the state law may result in penalties.

Iowa

In the state of Iowa, all drivers must have the minimum liability insurance coverages before they can drive on public roads. Even though the state does not necessarily require drivers to have car insurance, the Motor Vehicle Financial and Safety Responsibility Act mandates that every driver involved in an accident must show financial responsibility for any harm caused.

Indiana

Anytime you are behind the wheel; there is a significant amount of risk involved. This is why the state of Indiana has enacted various auto insurance laws to ensure that you are able to pay for injuries or damages that you may cause to another person in the event of an accident.

Illinois

In Illinois, drivers must have minimum liability insurance. The insurance comes in handy when a driver gets into an accident where they are held liable for the bodily injury or property loss of another person. Those who drive without insurance are ticketed.

Idaho

Idaho State has strict auto insurance laws which insist that you possess and carry at all times a minimum amount of car insurance. Failure to do that may result in penalties in the form of jail term or harsh monetary fines. The following is a summary of all the auto insurance requirements that Idaho drivers should adhere to.

Kansas

The state of Kansas requires all drivers to maintain sufficient motor vehicle insurance to meet state minimum requirements. State law requires that the owner maintain insurance coverage for the entire time that a vehicle is operated in the state of Kansas. Although these requirements are the minimum levels as determined by the state of Kansas, many vehicle owners choose higher levels of coverage for their increased protection and security.

Kentucky

Kentucky auto insurance laws demand that all drivers carry minimum liability insurance as well as personal injury protection coverage before registering their cars or driving on the state's roadways.

Louisiana

Like other states, Louisiana requires drivers to have the minimum liability car insurance when driving on public roads. It follows a traditional at-fault system which makes liability insurance a necessity for all drivers. The at-fault driver's insurance provider is expected to pay for lost income, property damage, and bodily injury following an accident. One can make a claim after suffering an injury or damage in any of the following ways;

Maine

To operate a motor vehicle in Maine, you are required to carry the minimum amounts of insurance required by law. The minimum amounts are only a starting point and may not cover you fully. Additionally, you have to provide proof of insurance in order to register your vehicle. To protect your assets, you should figure out what amounts above the minimum requirements will protect you from claims exceeding the minimum amounts.

Montana

From Missoula to Great Falls, Billings to Bozeman, Montana State has thousands of miles of roadways. More than 700,000 licenced drivers, each recording an average of about 11,600 miles annually, use these roadways.

Maryland

The motor vehicle administration department of Maryland State currently requires all drivers to have minimum liability insurance from insurers to do business in the state. Maryland law dictates the following minimum car insurance requirement for all drivers, and they should carry a proof always inside the car.

Michigan

Michigan insurance laws necessitate all motorists to acquire liability insurance coverage before driving a car. The state adheres to a no-fault system and necessitates personal injury protection coverage plus regular bodily injury coverage. There are likewise other alternatives obtainable that you must consider while searching for a Michigan insurance program. Michigan is a no-fault state. Whenever an accident happens, every individual motorist's insurance policy covers their claims equal to a certain extent irrespective of who is at fault in the mishap.

Minnesota

Auto insurance laws in Minnesota require that any motorist driving on their roads to have a car insurance policy. The aim of an auto insurance policy is to protect you from the financial burden that results whenever an accident happens.

Mississippi

The state of Mississippi requires all motor vehicle owners to maintain insurance coverage at all times. The state assigned legal limits are defined below. However, many vehicle owners choose to add other coverage options or increased levels of coverage for their own personal protection and security.

Massachusetts

Massachusetts is an expansive state with thousands of miles of roadways used by over 4.6 million drivers, each driving an average of 8,300 miles per year. Each year, these drivers are involved in thousands of road accidents, including many that result in death or serious injuries. As such, carrying adequate auto insurance coverage is a matter of law and common sense. Below is a rundown some fundamental auto insurance legal issues in the state of Massachusetts.

Missouri

Like many other states, Missouri law requires the driver to maintain some liability coverage before driving a motor vehicle. The rate of accidents between drivers without coverage from the relevant agencies is relatively higher. Consequently, the payable premiums and unsettled claims in Missouri are high.

New Jersey

Like every other state, New Jersey too requires its motorists to have some kind of liability auto insurance coverage. The purpose of this requirement is to ensure that you can take care of the financial responsibilities that follow if you get into an accident and people are hurt and property is damaged.

New York

If you intend to drive a car on the streets of New York, you must have an auto liability insurance. The reason for this is to ensure you can fully compensate other motorists and road users in case you cause any injuries or vehicle damages.

Nevada

Busy roads characterize Nevada with many car owners from different lifestyles. Each driver puts a different mileage through the year. Along the way, the drivers get involved in accidents, which cause injury and worse still some claim people's lives. Carrying car insurance is both lawful requirement and reasonable protection. Knowing the Auto car insurance laws and requirement is necessary for people residing in Nevada. The transport sector changes frequently therefore car owners should update themselves with the new laws.

North Carolina

The state of North Carolina requires all drivers to carry liability auto insurance that meets all the minimum requirements in addition to under insured and uninsured motorist coverage.

North Dakota

North Dakota state law requires that all cars operated and registered in the state to have a specific minimum coverage. North Dakota makes it compulsory to carry proof of your car insurance and show it to law enforcement whenever they ask for it.

Nebraska

The state of Nebraska currently requires all motorists to be fully covered under the liability auto insurance and that they carry proof of insurance all the time. The liability car insurance will include two types of coverage: bodily injury and property damage.

New Hampshire

New Hampshire is one of the states in the U.S that does not require mandatory auto insurance coverage. The New Hampshire auto insurance law only requires drivers to present proof of financial responsibility in the event of an accident. However, drivers are strongly advised to obtain auto insurance, regardless of whether it is required by law, to protect themselves and others on the dangerous New Hampshire roads.

New Mexico

It is mandatory for drivers in New Mexico to have auto insurance before going on the road. Car insurance plays a vital role in the aftermath of any incidence that could happen while on the road. In New Mexico, car owners are required to purchase minimum amounts of liability coverage. The state is considered as a traditional tort country, meaning that if one is involved in an accident where another driver was liable, the responsible driver's insurance company will compensate the affected for the losses incurred in full.

Ohio

In Ohio, there are more than 8 million licensed drivers. With the intertwined network of roads covering thousands of miles, drivers get involved in catastrophic road accidents that result in injuries and death. The traffic management authorities often determine cases involving car accidents based on the car at fault. Therefore, car owners are tacitly mandated to acquire car insurance to indicate their capability to cover their financial responsibility if they cause a road accident. Not only is an auto insurance a legal requirement but it also offers protection. This guide provides critical insights into the state laws governing car insurance in Ohio.

Oregon

From Klamath Falls to Tillamook, Eugene to Coos Bay, Oregon has hundreds of miles of roadways. These roads are used by an average of 2.5 million people on a yearly basis. While it's safe to assume that most are focused on being responsible drivers, that does not mean that accidents do not happen, with many of these accidents resulting in injury or death. The Beaver state is a "fault" car accident state, with very unique laws pertaining to car insurance.

Oklahoma

The Oklahoma state law requires every motorist within the state to carry a minimum amount of auto insurance. Failure to do so can result in severe penalties that include hefty monetary fines and a possible jail term.

Pennsylvania

Thousands of car accidents happen in Pennsylvania annually. This means that more than 2.8 million licensed drivers in the state are at risk of death or suffering severe injuries. Every driver is advised to have adequate vehicle insurance. It is a legal requirement, and it also provides them with protection in case an accident occurs. There is a tort system, with the limits of 15/30/5, that governs all Pennsylvania car insurance laws. Individuals without the set least amount of car insurance can be penalized. The minimum auto insurance requirement is:

Rhode Island

Like in any other state, driving in the Rhode Island State involves a number of risks, which include personal injuries, property damage, and even death. Therefore, every car owners in the state have to hold an adequate auto insurance policy. Below is a discussion of the fundamental auto insurance legal requirements and the legal repercussions of not having car insurance in the Rhode Island state.

South Dakota

As per the South Dakota Financial Responsibility Law, drivers are required to hold and maintain proof of financial responsibility to drive. Auto insurance from a verified insurance provider suffices. Like most states, South Dakota has minimum amounts of liability for insurance coverage. South Dakota insurance rules and regulations vary slightly from other states. The various rules and requirements should be followed to ensure drivers have adequate coverage.

South Carolina

South Carolina auto insurance laws require each driver to provide a minimum liability insurance policy to protect themselves and others from financial fallout when an accident occurs.

Tennessee

Tennessee insurance law follows a tort system which is a traditional 'fault' based system which means that someone will be considered to be at fault whenever there is an accident. The person at fault will be responsible for any harm that results from the accident, financial or physical.

Texas

Texas has a consumer Bill of Rights for auto insurance. This means that your insurance company will issue you with a Bill of Rights when you purchase or renew your auto insurance coverage. Depending on the coverage that you have, the insurance policy you purchase will protect you financially by compensating the other driver for medical bills or vehicle repairs if you are found to have caused an accident. You can also have an extra cover that will pay for your repairs and medical bills even when you are found to have caused an accident. There are a few state law obligations for auto insurance in the State of Texas.

Utah

When you are in Utah, it is essential for you to carry an auto insurance policy, that meets the least coverage requirements as stated in Utah's Financial Responsibility Laws. One of the elements in Utah states that the least liability insurance should be split in 25/65/15 limit without any fault insurance of $3,000 that covers an individual.

Vermont

It is illegal for someone to operate a motor vehicle in the state of Vermont unless it has a minimum amount of car insurance coverage. People who violate this rule can expect a civil traffic citation, which can result in a fine, a certain number of points against their driving privileges, and a requirement for them to file what is called financial responsibility insurance with the Vermont Department of Motor Vehicles. For those who are unfamiliar with the concept, financial responsibility insurance means a kind of liability insurance on the person rather than the motor vehicle that must be maintained for a minimum of 3 years. Should said individual let their financial responsibility insurance lapse, they can expect a suspension of their driving privileges until they have valid coverage once more.

Virginia

Virginia State Laws dictate that you must carry your adequate car insurance; this is a legal requirement, but at the same time when you look at the consequences you are likely to suffer in case of an accident you realize that it is common sense to have your adequate car insurance within your car.

Wisconsin

No matter where you stay, car insurance plays a significant role in any claim after an accident. The piece is going to cover various aspects regarding Wisconsin's auto insurance requirements, that is from the effects of covered claims to penalties if found guilty.

Wyoming

Like other states, Wyoming requires drivers to have minimum liability insurance. The minimum liability requirements are as follows;

West Virginia

Auto insurance law in West Virginia requires that all registered cars in the state have financial responsibilities for their actions in the form of an auto insurance policy. Failure to maintain your car insurance policy is likely to result in steep penalties in addition to risking serious financial drain.

Washington

The State of Washington currently requires that all drivers on the road have liability automobile insurance coverage. Uninsured drivers pose a threat to others on the road on multiple levels. The Washington State Department of Transportation reports that, in 2015, a crash occurred every 4.5 minutes. Somebody received injuries in a crash every 11 minutes, and someone passed away in a crash every 16 hours. These sobering statistics show why Washington's states are rather strict about car insurance. Liability coverage ensures that anyone who is injured in an accident is fairly and adequately covered if they're not at fault.

Washington D.C.

The state of Washington D.C has auto insurance laws that cover all drivers from incurring charges in case of accidents or damages. All personal vehicles in Washington D.C require these liability coverage requirements.

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State laws