State Minimum Insurance Requirements by Location: Your Complete 2025 Guide to Getting Legal Coverage Without Overpaying

Think you’re saving money with bare minimum car insurance? You might be one accident away from financial disaster. Over 13% of American drivers are uninsured, and millions more carry only state minimums, leaving themselves exposed to devastating out-of-pocket costs. Here’s everything you need to know about state minimum insurance requirements and whether they’re actually enough to protect you.

Why State Minimum Insurance Requirements Exist (And Why They’re Not Always Enough)

State minimum insurance requirements were designed with a simple goal: ensure every driver can cover at least basic damages if they cause an accident. These mandates create a baseline of financial responsibility, protecting accident victims from being left with unpaid medical bills and property damage.

However, there’s a critical problem: most state minimums were set years, sometimes decades ago and haven’t kept pace with inflation or modern vehicle repair costs. The average car accident involving injuries costs $45,000, yet 29 states only require $25,000 in bodily injury coverage per person. This massive gap leaves at-fault drivers personally liable for the difference.

The real cost of “cheap” insurance: When your coverage runs out, the other party can sue you for their remaining costs. This can result in wage garnishment, property liens, and even bankruptcy. In 2024 alone, over 400,000 Americans filed for bankruptcy, partly due to accident-related debt.

Understanding the Components of State Minimum Insurance Requirements

Before diving into specific state requirements, let’s break down what these coverage types actually protect:

Bodily Injury Liability Coverage

This is your financial protection when you injure someone else in an at-fault accident. Bodily injury liability covers:

• Medical expenses (hospital stays, surgeries, rehabilitation)
• Lost wages from time off work
• Pain and suffering damages
• Legal fees if you’re sued

How limits work: Coverage is expressed as two numbers (e.g., 25/50). The first number ($25,000) is the maximum paid per injured person. The second ($50,000) is the total maximum per accident, regardless of how many people are hurt.

Real-world example: You cause a multi-car pileup with three injured victims. Each person has $30,000 in medical bills. With 25/50 limits, your insurance pays only $50,000 total, leaving you personally responsible for $40,000.

Property Damage Liability Coverage

This covers damage you cause to other people’s property, including:

• Vehicle repairs or replacement
• Damaged buildings, fences, or structures
• Personal property inside damaged vehicles

The modern vehicle problem: The average vehicle repair now costs $4,700, with even minor accidents easily exceeding $3,000. Yet 10 states require only $10,000 in property damage coverage, barely enough for one totaled economy car, let alone multiple damaged vehicles or a demolished fence.

Personal Injury Protection (PIP)

Required in approximately 15 states, PIP is “no-fault” coverage that pays for your own injuries regardless of who caused the accident. Benefits typically include:

• Medical expenses and rehabilitation
• Lost wages (usually 60-80% of income)
• Funeral expenses
• Essential services (child care, household help)

PIP states include: Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

This protects you when hit by a driver with no insurance or insufficient coverage. With roughly 1 in 8 drivers uninsured nationally (higher in some states), this coverage has become increasingly valuable.

Currently required in 22 states and Washington, D.C., including: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin, and Washington, D.C.

Medical Payments Coverage (MedPay)

Similar to PIP but more limited, MedPay covers medical expenses only no lost wages or other benefits. Only Maine and New Hampshire require this coverage, though it’s available as an optional add-on in most states.

Complete State-by-State Minimum Insurance Requirements

Understanding your state’s specific requirements is crucial for legal compliance. Here’s the comprehensive breakdown for all 50 states and Washington, D.C.:

States Requiring Only Liability Coverage

Alabama: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Alaska: 50/100/25

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $25,000 property damage per accident
• Note: Insurance optional for certain remote residents

Arizona: 25/50/15

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $15,000 property damage per accident

Arkansas: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

California: 30/60/15 (increased January 2025)

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $15,000 property damage per accident

Colorado: 25/50/15

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $15,000 property damage per accident

Georgia: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Idaho: 25/50/15

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $15,000 property damage per accident

Indiana: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Iowa: 20/40/15

• $20,000 bodily injury per person
• $40,000 bodily injury per accident
• $15,000 property damage per accident

Louisiana: 15/30/25

• $15,000 bodily injury per person
• $30,000 bodily injury per accident
• $25,000 property damage per accident
• Lowest bodily injury requirements in the nation

Mississippi: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Montana: 25/50/20

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident

Nevada: 25/50/20

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident

New Mexico: 25/50/10

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident

Ohio: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Oklahoma: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Pennsylvania: 15/30/5

• $15,000 bodily injury per person
• $30,000 bodily injury per accident
• $5,000 property damage per accident
• Among the lowest requirements nationally

Rhode Island: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Tennessee: 25/50/25

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Texas: 30/60/25

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $25,000 property damage per accident

Washington: 25/50/10

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident

Wyoming: 25/50/20

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident

States with Additional Coverage Requirements

Connecticut: 25/50/25 + UM/UIM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage

Delaware: 25/50/10 + PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
• $15,000/$30,000 personal injury protection

Florida: Special Requirements

• $10,000 property damage liability
• $10,000 personal injury protection
• Bodily injury liability not required unless specified by state due to driving record

Hawaii: 20/40/10 + PIP

• $20,000 bodily injury per person
• $40,000 bodily injury per accident
• $10,000 property damage per accident
• $10,000 personal injury protection

Illinois: 25/50/20 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage

Kansas: 25/50/25 + PIP + UM/UIM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $4,500 personal injury protection
• $25,000/$50,000 uninsured/underinsured motorist coverage

Kentucky: 25/50/25 or $60,000 Single Limit + Optional PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• OR $60,000 combined single limit
• $10,000 PIP (can be rejected in writing)

Maine: 50/100/25 + UM/UIM + MedPay

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $25,000 property damage per accident
• OR $125,000 combined single limit
• $50,000/$100,000 uninsured/underinsured motorist coverage
• $2,000 medical payments coverage

Maryland: 30/60/15 + UM/UIM

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $15,000 property damage per accident
• $30,000/$60,000/$15,000 uninsured/underinsured motorist coverage

Massachusetts: 25/50/30 + UM + PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $30,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage
• $8,000 personal injury protection

Michigan: 50/100/10 + Property Protection + PIP

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $10,000 property damage outside Michigan
• $1 million property protection within Michigan
• $250,000 personal injury protection (lower limits available for Medicare/Medicaid recipients)

Minnesota: 30/60/10 + UM/UIM + PIP

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $10,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage
• $40,000 personal injury protection

Missouri: 25/50/25 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage

Nebraska: 25/50/25 + UM/UIM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage

New Hampshire: Optional Insurance*

• If purchased: 25/50/25
• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage
• $1,000 medical payments coverage
• Insurance not mandatory but must prove financial responsibility

New Jersey: 25/50/25 + UM/UIM + PIP

• $25,000 bodily injury per person (increasing to 35/70/25 in January 2026)
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage
• $15,000 personal injury protection

New York: 25/50/10 + Death Coverage + UM + PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $50,000 death liability per person
• $100,000 death liability per accident
• $10,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage
• $50,000 personal injury protection

North Carolina: 50/100/50 + UM/UIM (increased 2025)

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $50,000 property damage per accident
• $50,000/$100,000/$50,000 uninsured/underinsured motorist coverage
• Among the highest state minimums

North Dakota: 25/50/25 + UM/UIM + PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage
• $30,000 personal injury protection

Oregon: 25/50/20 + UM + PIP

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage
• $15,000 personal injury protection

South Carolina: 25/50/25 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000/$25,000 uninsured motorist coverage

South Dakota: 25/50/25 + UM/UIM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000 uninsured/underinsured motorist coverage

Utah: 30/65/25 + PIP (increased 2025)

• $30,000 bodily injury per person
• $65,000 bodily injury per accident
• $25,000 property damage per accident
• $3,000 personal injury protection

Vermont: 25/50/10 + UM/UIM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
• $50,000/$100,000/$10,000 uninsured/underinsured motorist coverage

Virginia: 50/100/25 + UM/UIM (increased July 2024)

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $25,000 property damage per accident
• $50,000/$100,000/$25,000 uninsured/underinsured motorist coverage
• Previously allowed uninsured motorist fee; now mandatory coverage

Washington, D.C.: 25/50/10 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
• $25,000/$50,000/$5,000 uninsured motorist coverage

West Virginia: 25/50/25 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident
• $25,000/$50,000/$25,000 uninsured motorist coverage

Wisconsin: 25/50/10 + UM

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
• $25,000/$50,000 uninsured motorist coverage

State Minimum Requirements Comparison Table

States with highest minimums:

1. North Carolina: 50/100/50
2. Maine: 50/100/25
3. Alaska: 50/100/25
4. Virginia: 50/100/25
5. Michigan: 50/100/10

States with lowest minimums:

1. Louisiana: 15/30/25
2. Pennsylvania: 15/30/5
3. Florida: No bodily injury required (property/PIP only)

The Hidden Dangers of Minimum Coverage (And What to Do About It)

Real-World Coverage Gap Examples

Scenario 1: The Medical Bill Nightmare You cause an accident injuring two people in California (30/60/15 minimums). Driver one suffers serious injuries requiring surgery: $85,000 in medical bills. Driver two has moderate injuries: $35,000 in bills. Your insurance pays $30,000 to driver one and $30,000 to driver two (hitting your $60,000 per-accident limit). You’re personally liable for $60,000.

Scenario 2: The Luxury Vehicle Problem You rear-end a Tesla Model S in Pennsylvania (15/30/5 minimums). Repair estimate: $18,000. Your insurance covers only $5,000, leaving you with a $13,000 bill plus potential legal fees if the other driver sues.

Scenario 3: The Multi-Car Pileup You cause a three-car accident on icy roads in Ohio (25/50/25 minimums). Combined vehicle damage: $47,000. Medical bills for four injured people: $150,000. Your insurance pays only $50,000 for injuries and $25,000 for property, leaving you exposed to $122,000 in personal liability.

Expert-Recommended Coverage Levels

Most insurance professionals recommend these minimums regardless of state requirements:

• Bodily Injury: 100/300 (at least 50/100)
• Property Damage: $100,000 (at least $50,000)
• Uninsured Motorist: Match your bodily injury limits
• Umbrella Policy: $1-2 million for additional liability protection

Cost difference: Upgrading from 25/50/25 to 100/300/100 typically costs only $15-30 more per month, a small price for substantially better protection.

Special Cases: States with Alternative Options

New Hampshire: The Lone Exception

New Hampshire remains the only state where car insurance is truly optional, but there are critical caveats. Drivers must prove financial responsibility through one of these methods:

• Posting a $125,000 surety bond
• Depositing $125,000 cash with the state treasurer
• Proving sufficient assets to cover potential damages

The reality: Only financially secure individuals with substantial liquid assets should consider going uninsured. A single serious accident could wipe out savings and retirement accounts. Most New Hampshire residents still purchase insurance.

Self-Insurance Options

Eleven states permit self-insurance for individuals or businesses with substantial financial resources:

• California
• Florida
• Georgia
• Hawaii
• Indiana
• Nevada
• North Dakota
• Pennsylvania
• South Dakota
• Vermont
• Washington

Requirements typically include:

• Owning 25+ vehicles, OR
• Posting a surety bond of $50,000-$500,000 (varies by state)
• Proving net worth of $500,000-$1 million+
• Annual financial reviews

Important: Self-insured individuals handle all claims personally, investigating accidents, negotiating settlements, and defending lawsuits. There’s no insurance company to assume risk or provide legal defense.

How State Minimum Requirements Affect Your Insurance Costs

Factors That Impact Your Premium

Even when buying minimum coverage, your personal risk factors significantly affect pricing:

Location-based factors:

• State minimum requirements (higher minimums = higher base rates)
• Local uninsured motorist rates
• Regional accident and theft statistics
• State insurance regulations

Personal factors:

• Age (drivers under 25 and over 75 pay more)
• Driving record (accidents and violations increase rates 20-50%)
• Credit score (poor credit can double premiums in most states)
• Annual mileage
• Vehicle make and model

Average annual costs for state minimum coverage (2025):

• National average: $807
• Lowest states: Ohio ($458), Idaho ($492), Wisconsin ($512)
• Highest states: Michigan ($1,745), Florida ($1,368), Louisiana ($1,254)

Geographic Rate Variations

Your specific ZIP code matters more than your state. Urban drivers in Detroit, Miami, or Los Angeles often pay 2-3 times more than rural drivers in the same state due to higher accident rates, vehicle theft, and medical costs.

Example: State minimum coverage in Detroit averages $2,100 annually, while the same coverage in rural Michigan costs around $650.

Critical Mistakes to Avoid When Choosing State Minimum Coverage

Mistake 1: Assuming Minimum Equals Adequate

State minimums protect the other driver, not you. They’re the legal floor, not the recommended coverage. With average serious accidents costing $45,000-$75,000, minimum limits leave massive exposure.

Solution: Get quotes for 50/100/50 and 100/300/100. The marginal cost is typically minimal compared to the additional protection.

Mistake 2: Skipping Uninsured Motorist Coverage (Where Optional)

In states where UM/UIM isn’t required, many drivers skip it to save $10-20 monthly. This is a critical error when facing these uninsured motorist rates (2024):

• Mississippi: 23.7%
• Michigan: 22.1%
• Tennessee: 20.0%
• New Mexico: 19.8%
• Florida: 19.6%

Solution: Always add UM/UIM coverage matching your liability limits. It’s inexpensive and protects you when others can’t.

Mistake 3: Ignoring Asset Protection

Drivers with significant assets (home equity, retirement accounts, savings) face the highest risk with minimum coverage. When you cause damages exceeding your limits, creditors can pursue your assets through lawsuits.

Solution: If your net worth exceeds $100,000, seriously consider umbrella insurance ($1-5 million in additional liability coverage for $150-400 annually).

Mistake 4: Choosing Price Over Coverage

The cheapest policy often provides the bare legal minimum with no extras. You might save $20 monthly but lose valuable protections like rental reimbursement, roadside assistance, or accident forgiveness.

Solution: Compare quotes at multiple coverage levels. The “sweet spot” for most drivers is 100/300/100 with UM/UIM and a $500-1,000 deductible.

Mistake 5: Never Reviewing Coverage

Your insurance needs change as your life changes. That minimum policy you bought at 22 might be dangerously inadequate at 35 with a family, mortgage, and retirement savings.

Solution: Review coverage annually, especially after major life events (marriage, home purchase, salary increase, adding teen drivers).

How to Save Money Without Sacrificing Protection

Smart Discount Strategies

Bundle policies: Combining auto and home insurance with one carrier saves 15-25% on average.

Pay annually: Paying the full premium upfront (versus monthly) eliminates installment fees, saving $50-150 yearly.

Maintain continuous coverage: Gaps in coverage history increase rates dramatically. Even if you stop driving temporarily, maintain a non-owner policy.

Improve your credit: In most states, better credit scores mean lower rates. Improving fair credit to good credit can reduce premiums 20%.

Take defensive driving courses: Many insurers offer 5-10% discounts for approved courses (typically online, $20-40).

Increase deductibles strategically: Raising comprehensive/collision deductibles from $250 to $1,000 can reduce premiums 25-30%. Ensure you have emergency savings to cover the higher deductible.

Ask about usage-based insurance: Telematics programs that monitor driving behavior offer discounts up to 30% for safe drivers.

When to Shop Around

Compare quotes from multiple insurers at least every 2-3 years. Insurance companies regularly adjust rates, and loyalty rarely pays. Drivers who shop around save an average of $416 annually compared to those who auto-renew.

Best times to shop:

• Policy renewal (30-45 days before expiration)
• After moving to a new ZIP code
• After major life changes (marriage, new job, paid off car)
• If you’ve maintained a clean driving record for 3+ years
• When turning 25 (rates typically drop significantly)

Frequently Asked Questions

What happens if I cause an accident with only minimum coverage?

Your insurance pays up to your policy limits. You’re personally responsible for any costs beyond those limits. The other party can sue you, potentially leading to wage garnishment, property liens, or bankruptcy if you can’t pay.

Can I get temporary insurance to meet state minimums?

Yes, but “temporary” policies are rare. Most insurers require 6-month or 12-month terms. If you need short-term coverage (rental cars, borrowing a vehicle), consider a non-owner policy. These typically cost $200-500 annually and meet state minimums.

Does minimum coverage pay for my own vehicle damage?

No. Liability-only policies cover damage you cause to others. To protect your own vehicle, you need comprehensive (non-collision damage) and collision coverage. Lenders require these if you finance or lease.

What if I can’t afford more than state minimum coverage?

Start with minimum coverage to stay legal, but implement these strategies immediately:

• Drive defensively to avoid at-fault accidents
• Build emergency savings to cover potential liability gaps
• Shop around aggressively for better rates
• Gradually increase limits as finances allow
• Consider usage-based insurance programs for discounts

How do state minimums apply if I drive in another state?

Your policy automatically adjusts to meet the higher of either your home state’s minimums or the state you’re driving in. However, if you move permanently, you must update your policy within 30-60 days to comply with your new state’s requirements.

Are state minimum requirements going to increase?

Yes, several states are actively reviewing and increasing minimums to account for inflation and rising vehicle costs. California, Utah, Virginia, and North Carolina all increased minimums in 2024-2025, with New Jersey scheduled for increases in 2026. Check your state’s department of insurance website for updates.

Does full coverage mean I don’t need to worry about state minimums?

“Full coverage” isn’t an official term; it generally means liability plus comprehensive and collision. Your policy still has specific limits that might be at state minimums. Always verify your actual coverage amounts, not just whether you have “full coverage.”

Can I be personally sued even with insurance?

Absolutely. If damages exceed your policy limits, the injured party can sue you for the remainder. This is why umbrella policies exist; they provide additional liability protection above your auto policy limits.

What’s the difference between UM and UIM coverage?

Uninsured motorist (UM) coverage applies when you’re hit by a driver with no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance, but their limits are too low to cover your damages. Many policies bundle these as UM/UIM.

Do state minimums apply to commercial vehicles?

Commercial vehicles typically require higher liability limits than personal vehicles, often 100/300/100 or more. Requirements vary by vehicle type, cargo, and business use. Commercial insurance is a separate category with different regulations.

Take Action: Getting the Right Coverage Today

Meeting state minimum insurance requirements keeps you legal, but it rarely keeps you fully protected. The difference between adequate coverage and financial disaster often costs just $20-40 more per month, a small investment in your financial security.

Your next steps:

1. Review your current policy: Look at your actual coverage limits, not just whether you have “car insurance.” Are you carrying only state minimums?
2. Assess your risk: Consider your assets, driving habits, and exposure. Do you commute in heavy traffic? Have teenage drivers? Own a home?
3. Get comparison quotes: Request quotes from at least 3-5 insurers at multiple coverage levels (state minimum, 50/100/50, and 100/300/100).
4. Consider umbrella coverage: If your net worth exceeds $100,000 or you have significant assets, add $1-2 million in umbrella liability protection.
5. Review annually: Set a calendar reminder to reassess coverage every year, especially before renewal.

Insurance rates fluctuate constantly based on your profile and market conditions. The quote you get today might be significantly different in six months; see what you qualify for right now.

Recommended Resources

For additional guidance on understanding and comparing car insurance:

• National Association of Insurance Commissioners (NAIC): State-specific consumer guides and complaint ratios for insurance companies
• Insurance Information Institute: Educational resources on coverage types and industry trends
• Your State’s Department of Insurance: Official requirements, complaint filing, and consumer protection information
• NerdWallet and Bankrate: Insurance comparison tools and rate studies
• Consumer Reports: Unbiased insurance company ratings and satisfaction surveys

Remember: insurance isn’t about finding the absolute cheapest policy; it’s about finding the best value that provides adequate protection for your specific situation. State minimums are a starting point, not a destination.

In another related article, Nationwide Auto Insurance: Guide to Rates, Coverage & Savings