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State Minimum Car Insurance Calculator

Choose a state, enter two hypothetical bills, and see how much of those bills the legal minimum would cover — and the gap a driver could still owe.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Choose a state to see the legally required liability limits we independently confirmed — bodily injury per person, bodily injury per accident, and property damage — plus required PIP, UM, UIM, or MedPay when a primary source said those coverages are required. Enter a hypothetical injury bill and property-damage bill to see how much of those two bills the minimum would cover in a simple one-person example, and how large the leftover gap would be.

Reviewed November 7, 2026

How to read the result

Think of yourself as the at-fault driver. The injury box is a medical (or injury) bill for one other person. The property box is damage to someone else's car or property. The calculator compares those two bills with the state's minimum per-person bodily-injury limit and property-damage limit. Anything above those limits is the simple out-of-pocket gap shown.

If two or more people were hurt, the separate per-accident bodily-injury cap would also matter, and this simple example would no longer be enough. Policy exclusions, other insurance, and the difference between billed charges and what is actually owed can all change a real claim.

All 50 states and D.C.

Each state page repeats the calculator already filled in for that state, adds a short explanation drawn from that state's source, and lists the official citation.

• 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

Sources

The table below is the data-sources table for this calculator. Click a state name for the prefilled page.

Machine-readable copy: state-minimums.json. External source links use rel=nofollow. “Unverified” means we could not independently load that state's current primary text during this review and therefore published no dollar limits for it.

FAQ

What does a state-minimum car insurance calculator show?

It shows the legally required liability limits we independently confirmed for that state — bodily injury per person, bodily injury per accident, and property damage — plus required PIP, MedPay, UM, or UIM when a primary source we opened said those coverages are required. You can then enter a hypothetical injury bill and property-damage bill to see how much of those two bills the minimum liability limits would cover in a simple one-person example.

Does the state minimum pay my own injuries or my own car?

Usually no. Liability insurance pays people you injure or whose property you damage. Your own medical bills are a PIP or MedPay question, and your own car is a collision or comprehensive question. This calculator treats you as the at-fault driver looking at the other person's bills.

What is the out-of-pocket gap?

It is the part of the hypothetical injury bill above the per-person bodily-injury limit, plus the part of the property-damage bill above the property-damage limit. Real claims can differ because of other insurance, exclusions, what is actually owed versus what was billed, and whether more than one person was hurt.

Why does Florida show no bodily-injury coverage?

Florida generally requires property-damage liability and personal injury protection, not bodily-injury liability, for private-passenger owners. If you did not buy optional bodily-injury coverage, the calculator correctly treats the legal-minimum BI payment as $0. PIP is first-party coverage for your own injuries and is not subtracted from the other person's liability claim against you.

Where do the numbers come from?

Every verified dollar figure was read from a state statute or an official department of insurance, DMV, or similar primary page during the November 7, 2026 review. Each state page cites that source. If we could not independently load a state's current text, we left the dollars blank rather than guessing. Industry tables, including older Insurance Information Institute archives, were used only as a cross-check and were not copied when they conflicted with a primary source.

Is this legal or insurance advice?

No. The pages and the calculator are general information. They are not a quote, not a claim evaluation, and not advice about what coverage you should buy. A licensed agent or attorney in your state can review your situation.