Choose your state for state specific requirements:

 

ARIZONA

CALIFORNIA

IDAHO

OREGON

WASHINGTON

Car insurance requirements by state

As drivers, we want to be protected when we’re on the road, but we also want cheap car insurance. However, not all our auto insurance options are in our hands.

While you do—ultimately—have a choice whether to carry auto insurance, each state has its own minimum requirements when it comes to car insurance. In general, those who own or drive a vehicle need to have:

  • Bodily injury liability: This applies when you’re at-fault while operating your automobile. The coverage pays for bodily injury to another person.
  • Property damage liability: This applies when you’re at-fault while operating your automobile. The coverage pays for damage to another person’s property.
  • Uninsured/underinsured motorist protection: If you’re injured in an accident involving an at-fault driver who doesn’t have insurance or enough insurance to pay for your loss, this coverage can help pay for your bodily i