Calculator · 51 jurisdictions · 2026 minimums
Auto Insurance Minimum Check — 2026 state requirements
Find whether your liability limits meet your state's minimum, and which fall short.
Try:
Where do these minimums come from?
Each state's minimum comes from that state's own statute, insurance department, or DMV — never from an aggregator. Every record on this site quotes the line from the source that states the number. Five states changed their minimums in 2025–2026 (California, New Jersey, North Carolina, Virginia, and others). Browse all 51 jurisdictions.
What does 25/50/25 mean?
The three numbers are the minimum liability limits in thousands of dollars: bodily injury per person / bodily injury per accident / property damage per accident. So 25/50/25 means $25,000 per person injured, $50,000 total if multiple people are injured, and $25,000 for property damage. The per-person limit applies within the per-accident limit — if three people are hurt, each claim is capped at the per-person number and the total is capped at the per-accident number.
What does this not cover?
This checks liability minimums only — the amount your policy must pay to other people. It does not check collision, comprehensive, uninsured motorist, PIP, or any other coverage your state may also require. Florida and Michigan run materially different systems (Florida requires PIP instead of bodily-injury liability; Michigan's no-fault reform changed the defaults); those states show the rules as stated rather than forcing them into the three-number shape.
About the three-number minimum
Most US states require drivers to carry liability insurance with three separate minimums: bodily injury per person, bodily injury per accident, and property damage per accident. The shorthand — like 30/60/25 — is how insurers print it on your declarations page. The per-person versus per-accident distinction is where people misread their coverage: if your state requires 25/50 and three people are injured, each person's claim is capped at $25,000 and the total across all of them is capped at $50,000. Several states raised their minimums in 2025 and 2026, so a policy that was legal last year may fall short now. See every state's current requirement.