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Car Insurance Calculators
Three free browser-only tools: how far a state's minimum liability limits would go against a hypothetical bill, how a state's fault rule would reduce a hypothetical recovery, and how collision and comprehensive premiums compare with a simple total-loss payout on your car.
State minimum coverage calculator
Pick a state to see the legally required liability limits, any required PIP, MedPay, UM, or UIM, and a simple estimate of how much of a hypothetical injury and property-damage bill the minimum would cover.
Fault / comparative negligence calculator
See whether your state uses pure comparative fault, a 50% or 51% bar, contributory negligence, or a special rule, then estimate a reduced recovery from a hypothetical damage figure and fault percentage.
Full coverage vs liability-only break-even
Enter your car's actual cash value and what you pay for collision and comprehensive to see how many years of those premiums would equal one total-loss payout. Liability-only would pay $0 toward your own car.
Short answer: These free tools estimate, in your browser, how far a state's minimum auto liability limits would go against a hypothetical bill, how a state's fault rule would reduce a hypothetical recovery, and how many years of collision or comprehensive premiums would equal one total-loss payout on your car. They are educational estimates, not legal advice and not insurance quotes.
Key takeaways
- Every verified dollar figure comes from a state statute or official DOI/DMV page opened for this review.
- If we could not independently confirm a state's current limits, we left the dollars blank instead of guessing.
- The calculators do not collect the numbers you type.
- Use the official source linked on each page; statutes change.
The coverage calculator has a hub plus a prefilled page for all 50 states and the District of Columbia. The fault calculator covers the same 51 jurisdictions.
State minimum coverage pages
- Alabama — 25/50/25
- Alaska — 50/100/25
- Arizona — 25/50/15
- Arkansas — 25/50/25
- California — 30/60/15
- Colorado — 25/50/15
- Connecticut — 25/50/25
- Delaware — 25/50/10
- District of Columbia — 25/50/10
- Florida — PD $10,000
- Georgia — 25/50/25
- Hawaii — 40/80/20
- Idaho — 25/50/15
- Illinois — 25/50/20
- Indiana — 25/50/25
- Iowa — 20/40/15
- Kansas — 25/50/25
- Kentucky — 25/50/25
- Louisiana — 15/30/25
- Maine — 50/100/25
- Maryland — 30/60/15
- Massachusetts — 25/50/30
- Michigan — 50/100/10
- Minnesota — 30/60/10
- Mississippi — 25/50/25
- Missouri — 25/50/25
- Montana — 25/50/20
- Nebraska — 25/50/25
- Nevada — 25/50/20
- New Hampshire — 25/50/25
- New Jersey — 35/70/25
- New Mexico — 25/50/10
- New York — 25/50/10
- North Carolina — 50/100/50
- North Dakota — 25/50/25
- Ohio — 25/50/25
- Oklahoma — 25/50/25
- Oregon — 25/50/20
- Pennsylvania — 15/30/5
- Rhode Island — 25/50/25
- South Carolina — 25/50/25
- South Dakota — 25/50/25
- Tennessee — 25/50/25
- Texas — 30/60/25
- Utah — 30/65/25
- Vermont — 25/50/10
- Virginia — 50/100/25
- Washington — 25/50/10
- West Virginia — 25/50/25
- Wisconsin — 25/50/10
- Wyoming — 25/50/20
Related reading
- Is state-minimum liability coverage enough after a serious crash?
- Video: state-minimum liability explained
- At-fault vs. no-fault states explained
- Hit by an uninsured driver: what to do
- Video: hit by an uninsured driver
- Car accident statute of limitations by state
- Does moving to another state change my car insurance?
- Fault / comparative negligence settlement calculator
- Full coverage vs liability-only break-even calculator
FAQ
What calculators are on this site?
Three free, browser-only tools: a state-minimum coverage calculator with a page for every state and the District of Columbia, a fault / comparative-negligence settlement calculator that applies each jurisdiction's recovery rule to a hypothetical damage figure and fault percentage, and a full-coverage vs liability-only break-even calculator that compares collision and comprehensive premiums you enter with a simple actual-cash-value payout.
Where do the numbers come from?
Liability limits and required extra coverages come from state statutes or official DOI/DMV pages opened during the November 7, 2026 review. Fault rules come from the cited statutes or controlling authorities. If a dollar figure could not be independently confirmed, it is omitted rather than guessed.
Do these calculators collect what I type?
No. The scripts run in your browser and do not send your hypothetical bills or fault percentage to our servers.
Do these tools replace a quote or a lawyer?
No. They are educational estimates. A licensed agent can compare real policy options, and a lawyer licensed in your state can advise on a claim.
What is a state minimum liability limit?
It is the smallest bodily-injury and property-damage package the state requires (or, in New Hampshire, the statutory definition of a motor-vehicle liability policy). Limits are often written as 25/50/25, meaning $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.
Why does my percentage of fault change what I can recover?
Every state reduces or bars a negligence recovery once the injured person shares blame. The rule — pure comparative, a 50% or 51% bar, contributory negligence, or a special statute — is what the fault calculator applies.
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