Minimum Car Insurance Requirements by State: What You Need to Know in 2025

If you drive in the U.S., car insurance isn’t optional—it’s the law. But what exactly are you required to have? The answer varies depending on where you live. In 2025, understanding your state’s minimum car insurance requirements can help you stay legal and avoid major financial risks.

What Are Minimum Insurance Requirements?

Each state sets its own minimum car insurance limits, which usually include:

Bodily Injury Liability: Covers injuries to others when you’re at fault.
Property Damage Liability: Pays for damage to other people’s property. Some states also require:
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP) or Medical Payments (MedPay)

Examples of State Requirements (2025)

California: $15,000 per person / $30,000 per accident for bodily injury; $5,000 for property damage.
Texas: $30,000 per person / $60,000 per accident for bodily injury; $25,000 for property damage.
Florida: No bodily injury liability required; $10,000 PIP and $10,000 property damage.

Why the Minimum Isn’t Always Enough

While carrying only the minimum keeps you legal, it often won’t cover serious accidents. One major crash could exceed your policy limits, leaving you on the hook for the rest.

Conclusion

Knowing your state’s minimum insurance requirements is step one. But for true protection, it’s smart to go beyond the legal minimum—especially if you own assets or drive frequently. Always balance affordability with coverage that actually shields you from real-life risks.