Expert Advice for State Insurance Minimums

All Articles on State Insurance Minimums

Colorado Car Insurance Laws
Colorado car insurance laws require drivers to carry a minimum amount of liability insurance, summarized as 25/50/15. Read this guide of Colorado auto insurance laws to learn what's required.
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Jerry
Apr 27, 2022
Minimum Car Insurance Required in Your State
Most states require bodily injury and property damage liability coverage. Read this guide on each state's coverage requirements to learn more.
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Jerry
Apr 27, 2022
Massachusetts Car Insurance Laws
Massachusetts car insurance laws require drivers to carry a minimum amount of uninsured motorist, PIP, and liability insurance, summarized as 20/40/5.
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Jerry
Mar 08, 2022
Arkansas Car Insurance Laws
Arkansas minimum auto insurance laws require drivers to carry a minimum amount of liability insurance, summarized as 25/50/25. Here's everything you need to know about Arkansas auto insurance laws.
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Jerry
Apr 27, 2022
California Car Insurance Laws
California minimum auto insurance laws require drivers to carry a minimum amount of liability insurance, summarized as 15/30/5. Read this guide for California car insurance laws to learn what's required.
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Jerry
Apr 27, 2022
Maine Car Insurance Laws
Maine car insurance laws require drivers to carry a minimum amount of uninsured motorist, medical payment, and liability insurance, summarized as 50/100/25.
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Jerry
Apr 27, 2022
SR-22 in Florida: What You Need to Know
High-risk Florida drivers must obtain an SR-22 or FR-44 certificate to prove that their auto insurance policy meets the state’s minimum liability requirements.
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Jerry
Apr 27, 2022
SR-22 in Ohio: What You Need to Know
SR-22 insurance provides high-risk Ohio drivers with legal proof that they carry the minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Michigan: What You Need to Know
SR-22 insurance in Michigan provides high-risk drivers with proof that they carry the minimum liability insurance required by the state.
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Jerry
Apr 27, 2022
SR-22 in Georgia: What You Need to Know
SR-22 insurance in Georgia certifies that high-risk drivers carry the state-required minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Illinois: What You Need to Know
Illinois drivers with serious convictions must carry SR-22 insurance, which confirms their policy meets the state’s minimum liability requirements.
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Jerry
Apr 27, 2022
SR-22 in Louisiana: What You Need to Know
In Louisiana, an insurer files an SR-22 certificate on a suspended driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Oregon: What You Need to Know
In Oregon, an insurer files an SR-22 for a driver who’s been convicted of a driving violation as a guarantee that the driver is carrying the required insurance.
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Jerry
Apr 27, 2022
SR-22 in Oklahoma: What You Need to Know
An SR-22 form is not required in Oklahoma to reinstate your driver’s license after a driving violation, but you must prove that you have liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Connecticut: What You Need to Know
In Connecticut, an insurer files an SR-22 form for a driver convicted of a serious violation. The SR-22 guarantees the driver carries minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Utah: What You Need to Know
In Utah, your insurer will need to file an SR-22 form for you. An SR-22 guarantees that you meet the state’s minimum insurance requirements.
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Jerry
Apr 27, 2022
SR-22 in Iowa: What You Need to Know
In Iowa, you’ll need your insurer to file an SR-22 form for you to reinstate your driver’s license after a major driving offense.
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Jerry
Apr 27, 2022
SR-22 in Nevada: What You Need to Know
In Nevada, you’ll need your insurer to file an SR-22 form to reinstate your driver’s license after a severe driving violation.
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Jerry
Apr 27, 2022
SR-22 in Arkansas: What You Need to Know
In Arkansas, your insurer needs to file an SR-22 form on your behalf to reinstate your driver’s license after a major driving violation.
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Jerry
Apr 27, 2022
SR-22 in Massachusetts: What You Need to Know
SR-22 certificates are not required in Massachusetts, but if you run into trouble in a state where SR-22s are the norm, you might need one.
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Jerry
Apr 27, 2022
SR-22 in Tennessee: What You Need to Know
Drivers in Tennessee who have been convicted of a serious driving violation, such as a DUI, might need to get SR-22 insurance.
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Jerry
Apr 27, 2022
SR-22 in Indiana: What You Need to Know
Indiana law might require you to get SR-22 insurance if your license has been suspended or revoked due to a serious driving violation or conviction.
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Jerry
Apr 27, 2022
SR-22 in Missouri: What You Need to Know
An SR-22 is typically required in Missouri when a driver has a serious traffic violation, such as a reckless driving charge or a DUI, on their record.
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Jerry
Mar 18, 2022
SR-22 in Washington: What You Need to Know
Drivers considered high risk by Washington’s Department of Licensing will require an SR-22 for a minimum of three years.
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Jerry
Apr 27, 2022
SR-22 in Arizona: What You Need to Know
High-risk Arizona drivers are required to file an SR-22 for three years to prove that they carry the required minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Wisconsin: What You Need to Know
In Wisconsin, usually an insurer files an SR-22 certificate on a driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Colorado: What You Need to Know
In Colorado, usually an insurer files an SR-22 certificate on a driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in California: What You Need to Know
California requires an SR-22 if your license is suspended due to a severe issue or violation, such as a DUI.
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Jerry
Apr 27, 2022
SR-22 in Texas: What You Need to Know
Texas requires an SR-22 for two years after a conviction for DUI, reckless driving incident, or other serious violation.
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Jerry
Apr 27, 2022
SR-22 in South Carolina: What You Need to Know
In South Carolina, usually an insurer files an SR-22 certificate on a driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022

All Questions on State Insurance Minimums

What are Florida's minimum car insurance requirements?
What car insurance required by law in Florida? I’m new to the state and looking into purchasing car insurance. I know car insurance rates are really high here and there are so many different types. I’m clueless about where to start.
Shannon Martin
Sep 09, 2021
What is a Texas temporary liability insurance card?
"I just moved to Texas and I was given this card by my insurance company. I'm worried about the "temporary" part. I purchased insurance, so I should be covered, right?"
Sophie Newman
Jul 27, 2021
How much is a ticket for not having car insurance?
How much is the fine for driving without car insurance? My friend is driving without insurance and I'm a little worried for her.
Joshua Levy
Oct 26, 2021
Who is required to carry personal injury protection in Minnesota?
Is there any reason why you wouldn't qualify for PIP coverage?
Emily Maracle
Jul 07, 2021
Do you legally have to have car insurance?
Do drivers legally have to have car insurance? I want to know if drivers are required to have car insurance and what happens if I don’t have it.
Matthew Macgugan
Mar 01, 2022
Is carrying the state-minimum liability limits in Mississippi a bad idea?
"I live in Mississippi and have been carrying state-minimum car insurance for a while now. I was speaking with an insurance agent and he really freaked me out! He said that I could be sued and wouldn't have enough coverage to protect myself. Is this true?"
Shannon Martin
May 14, 2021
What is the minimum car insurance requirement for Alaska?
Does Alaska have car insurance minimums? I'm moving to Juneau soon and I want to make sure I have the right amount of coverage.
Rachel Juillerat
Sep 14, 2021
What is the minimum requirement for personal injury protection in Oregon?
How much PIP coverage does Oregon require? I'm moving from South Dakota to Oregon. and I'll need to change my coverages.
Emily Maracle
Jul 07, 2021
Is mandatory car insurance unconstitutional?
Is mandatory car insurance law unconstitutional? I feel like the government is forcing me to purchase a product.
Matthew Macgugan
Oct 15, 2021
What is the minimum car insurance requirement for Hawaii?
What's the minimum amount of car insurance I need in Hawaii? I've lived here my whole life and have never really thought about the state's insurance requirements before.
Sophie Newman
Sep 16, 2021
Do I need more than state-minimum liability in Georgia for my 2011 Highlander?
I lost my job due to COVID-19 and wanted to lower my car insurance to the state minimum. My agent told me that this coverage isn't really adequate, especially if I don't have much packed away in savings. What insurance should I get?
Eric Schad
Apr 22, 2021
How does your address affect your car insurance?
Does your address affect your car insurance premium? I'm getting ready to move, and I want to know how my new location will change my insurance rate.
Liz Jenson
Oct 27, 2021
Can I reject medical payments coverage?
Am I required to have medical payments coverage as well? I live in Nebraska and have health insurance.
Emily Maracle
Jul 08, 2021
How do I insure a car in Massachusetts?
I just moved from Louisiana to Massachusetts. How do I insure my car here?
Matthew Macgugan
Oct 20, 2021
How can I change my car insurance to another state?
Hi! I'm moving from New Jersey to California next month. Can you walk me through how to change my car insurance to another state?
Matthew Macgugan
Oct 22, 2021
Do I need to sign a PIP waiver with my insurance?
Am I required to sign a PIP waiver if I'm refusing PIP coverage for myself and my family? My insurance is requesting it, but I'm not sure what that means.
Emily Maracle
Jul 07, 2021
What is the minimum car insurance required in Arkansas?
How much car insurance does Arkansas require? I'm a college student looking for ways to save money. Help!
Rachel Juillerat
Sep 14, 2021
Is it illegal to drive without insurance in Maryland?
Can I drive if I don’t have car insurance in Maryland or will I get into trouble? Car insurance is really expensive, but I need my car so that I can go to work and run errands. What would happen if I drove without insurance?
Liz Jenson
Feb 18, 2022
How much is ATV insurance?
How much will ATV insurance cost me per year? It isn't required in my state and I only plan on driving it around the farm. I was thinking about getting some but I am not sure if it would even be helpful.
Shannon Martin
Oct 06, 2021
Who qualifies for dollar a day insurance in New Jersey?
Who qualifies for SAIP? I just learned that it's possible to buy insurance for a dollar a day in NJ.
Sophie Newman
Jul 22, 2021
What is the minimum car insurance requirement for Maryland?
What's the minimum amount of car insurance required in Maryland? I'm a single dad and want to make sure I have the right amount of coverage while also saving money.
Rachel Juillerat
Sep 23, 2021
Are there any states that do not require auto insurance?
Is auto insurance or another form of financial responsibility required in all 50 states? I'm moving to a new state and want to know if the insurance laws will change.
Matthew Macgugan
Oct 15, 2021
Why is my policy with The General low but the price from all the other insurance companies so high?
"I just moved to Florida and started getting insurance prices for my car. I have tried every insurance company I could think of and the prices here are crazy high! Then The General quoted me a really low policy, so low that I am a little nervous. Why would a policy with them be price so differently?"
Shannon Martin
Jul 28, 2021
Is car insurance mandatory in every state?
Do I need auto insurance no matter where I move in the U.S.?
Alexah Grinnell
Aug 06, 2021
Are you legally required to have car insurance in Virginia?
I'm moving to Virginia and I need to buy a car for the first time for my new job there. I lived in the city and used public transportation and Uber before. My friend told me I don't need to worry about car insurance in Virginia. Is that true?
Alexah Grinnell
Aug 06, 2021
What car insurance do I need in Tennessee?
What insurance is required in Tennessee? I'm financing my first car and I'm not sure what car insurance I need.
Emily Maracle
Jul 06, 2021
How important is it to have car insurance?
I don't have insurance currently and I've never been pulled over. I also haven't been in accident. Is it really that important to have insurance?
Emily Maracle
Mar 07, 2022
What type of car insurance should I choose for a Ford Fiesta?
"How do I select a policy and broker for my new Ford? I'm looking into buying a new car, but I'm a first-time buyer and I don't know anything about insurance."
Sophie Newman
Jul 28, 2021
What are some disadvantages to not having full coverage for my Nissan Sentra?
"Is state minimum required insurance enough? I've heard people talk about full coverage, but I only have the state minimum requirements for my vehicle."
Sophie Newman
Jul 28, 2021
Should I only get state-minimum liability if I drive a 2009 Honda Accord in Indiana?
I just bought a 2009 Honda Accord. I was thinking of just getting state-minimum liability insurance because I'm a great driver. Should I opt for this coverage if I live in Indiana?
Eric Schad
Apr 23, 2021

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