UPDATED: Aug 13, 2020
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In pretty much every state, you need to have auto insurance in some form or another in order to drive legally. Successfully meeting that need largely depends on what your state laws are.
Believe it or not, sometimes not all 50 states in the USA universally agree on the same thing (shocker!). And one of those things which many states disagree on is what the minimum car insurance requirements should be for drivers who want to get on the road.
If you’re curious about your state requirements — whether you’re trying to consider your auto insurance coverage options and reduce coverage and save money, or make sure your car insurance provider is operating legally — then you can get all of the info on your minimum auto insurance requirements here.
States With the Lowest Minimum Car Insurance Requirements
Arizona, California, Louisiana, Nevada, and New Jersey are some of the cheapest states to drive in based on their mandatory minimum coverages.
In either state, your minimum bodily injury liability obligations are $15,000 per person/$30,000 per accident, and the property damage liability ranges anywhere from $5,000 to $25,000 per accident.
Most states, on the other hand, will demand that you purchase at least $25,000/$50,000 Bodily injury liability, with varying amounts of property damage liability.
The coverages they do not require, on the other hand, are uninsured motorist coverage (UIM), weather property damage or bodily injury, or personal injury protection (PIP).