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Insurance guides by state.

• Alabama

  Alabama Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Alabama's Mandatory Liability Insurance Law sets the floor at 25/50/25 with electronic verification. Plain-English guide to AL auto minimums, tornado home risks, and shopping tips.

• Alaska

  Alaska Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Alaska auto minimums (50/100/25 or $125,000 CSL), tort rules, earthquake and winter home perils, and plain-English shopping tips.

• Arizona

  Arizona Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Arizona auto insurance minimums (25/50/15 since 2020), the at-fault system, and what Arizona homeowners need to know about monsoons, wildfires, and haboobs.

• Arkansas

  Arkansas Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Arkansas requires 25/50/25 auto liability in a tort state, with uninsured motorist coverage offered on every policy. Auto and home rules in plain English.

• California

  California Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  California raised auto minimums to 30/60/15 on January 1, 2025. Plain-English guide to CA auto minimums, wildfire and earthquake home risks, and shopping tips.

• Colorado

  Colorado Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Colorado requires 25/50/15 auto liability with default-on UM/UIM. Plain-English guide to CO auto minimums, hail and wildfire home risks, and shopping tips.

• Connecticut

  Connecticut Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Connecticut requires 25/50/25 liability plus matching uninsured motorist coverage. Learn the minimums, the at-fault system, coastal home risks, and shopping tips.

• Delaware

  Delaware Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Delaware auto minimums (25/50/10 plus PIP 15/30), PIP rules, coastal home perils, and plain-English shopping tips.

• Florida

  Florida Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Florida requires $10,000 PIP and $10,000 property damage liability: a no-fault system. Plain-English guide to Florida auto minimums, hurricane and sinkhole home risks, and shopping tips.

• Georgia

  Georgia Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Georgia requires 25/50/25 auto liability and runs an at-fault system with automatic UM coverage. Plain-English guide to Georgia auto minimums, storm home risks, and shopping tips.

• Hawaii

  Hawaii Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Hawaii is a no-fault state: 20/40/10 plus $10,000 PIP. Minimums, how no-fault works, and hurricane and lava notes for homeowners, in plain English.

• Idaho

  Idaho Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Idaho requires 25/50/15 auto liability in a tort state, and insurers must offer uninsured motorist coverage. Minimums, fault rules, and home perils in plain English.

• Illinois

  Illinois Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Illinois auto insurance minimums (25/50/20 plus mandatory uninsured motorist coverage), the at-fault system, and what Illinois homeowners need to know about tornadoes, hail, and winter storms.

• Indiana

  Indiana Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Indiana requires 25/50/25 auto liability and includes uninsured motorist coverage by default. Learn the minimums, the at-fault system, and home risks in Indiana.

• Iowa

  Iowa Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Iowa auto minimums are 20/40/15 in a tort state, and uninsured motorist coverage is built in unless you reject it. Auto and home rules explained in plain English.

• Kansas

  Kansas Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Kansas is a no-fault state: 25/50/25 liability, $4,500 PIP, and required uninsured motorist coverage. Auto and home rules explained in plain English.

• Kentucky

  Kentucky Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Kentucky is a choice no-fault state requiring 25/50/25 liability plus $10,000 in PIP. Learn the minimums, how choice no-fault works, and home risks.

• Louisiana

  Louisiana Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Louisiana requires 15/30/25 auto liability, among the lowest minimums in the U.S. Learn the minimums, the fault system, hurricane home risks, and shopping tips.

• Maine

  Maine Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Maine's auto minimums (50/100/25 plus med pay and UM/UIM), at-fault rules, winter perils for homeowners, and plain-English shopping tips.

• Maryland

  Maryland Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Maryland auto insurance minimums (30/60/15 plus $2,500 PIP and mandatory uninsured motorist coverage), the at-fault system, and what Maryland homeowners need to know about hurricanes and flooding.

• Massachusetts

  Massachusetts Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Massachusetts auto insurance minimums (25/50/30 from July 2025, plus $8,000 PIP), the no-fault system, and what MA homeowners need to know about winter storms, ice dams, and coastal wind.

• Michigan

  Michigan Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Michigan auto insurance minimums (50/100/10 liability plus PIP choices), the no-fault system after the 2019 reform, and what Michigan homeowners need to know about winter storms and ice dams.

• Minnesota

  Minnesota Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Minnesota is a no-fault state requiring 30/60/10 liability, $40,000 in PIP, and UM/UIM coverage. Learn the minimums, how no-fault works, and home risks.

• Mississippi

  Mississippi Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Mississippi requires 25/50/25 auto liability and has the country's highest uninsured-driver rate. Plain-English guide to MS auto minimums, hurricane home risks, and shopping tips.

• Missouri

  Missouri Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Missouri requires 25/50/25 liability plus mandatory uninsured motorist coverage. Learn the minimums, the at-fault system, and tornado-season home risks.

• Montana

  Montana Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Montana auto minimums (25/50/20), tort rules, hail, wildfire and winter home perils, and plain-English shopping tips.

• Nebraska

  Nebraska Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Nebraska requires 25/50/25 auto liability plus uninsured motorist coverage in a tort state. Minimums, fault rules, and home perils in plain English.

• Nevada

  Nevada Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Nevada requires 25/50/20 auto liability in a tort state, raised in 2018. Minimums, fault rules, uninsured drivers, and home perils in plain English.

• New Hampshire

  New Hampshire Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  New Hampshire does not mandate auto insurance, but financial responsibility still applies. Learn the 25/50/25 limits, med pay, UM rules, and home perils.

• New Jersey

  New Jersey Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  New Jersey auto insurance minimums (35/70/25 on a standard policy from 2026), the lawsuit-option choice, and what NJ homeowners need to know about hurricanes, coastal wind, and flooding.

• New Mexico

  New Mexico Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  New Mexico requires 25/50/10 auto liability in a tort state, with one of the lowest property damage minimums nationwide. Rules in plain English.

• New York

  New York Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  New York auto insurance minimums (25/50/10 plus $50,000 PIP), the no-fault system, and what New York homeowners need to know about storms, coastal wind, and flood exclusions.

• North Carolina

  North Carolina Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  North Carolina raised auto minimums to 50/100/50 on July 1, 2025. Plain-English guide to NC auto minimums, strict fault rules, hurricane home risks, and shopping tips.

• North Dakota

  North Dakota Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  North Dakota auto minimums (25/50/25, UM/UIM 25/50, $30K no-fault), how no-fault works, winter home perils, and plain-English shopping tips.

• Ohio

  Ohio Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Ohio auto insurance minimums (25/50/25), the at-fault system, and what Ohio homeowners need to know about tornadoes, hail, and winter storms.

• Oklahoma

  Oklahoma Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Oklahoma requires 25/50/25 auto liability. Learn the minimums, the at-fault system with its 51 percent bar, tornado and hail home risks, and shopping tips.

• Oregon

  Oregon Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Oregon requires 25/50/20 liability plus $15,000 in PIP and uninsured motorist coverage. Learn the minimums, the fault system, and wildfire and quake home risks.

• Pennsylvania

  Pennsylvania Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Pennsylvania auto insurance minimums (15/30/5 plus $5,000 medical benefits), the full-tort vs limited-tort choice, and what Pennsylvania homeowners need to know about winter storms and flooding.

• Rhode Island

  Rhode Island Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Rhode Island auto minimums (25/50/25 or $75,000 CSL), UM rules, at-fault law, coastal home perils, and plain-English shopping tips.

• South Carolina

  South Carolina Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  South Carolina pairs 25/50/25 liability with mandatory automatic UM coverage. Plain-English guide to SC auto minimums, hurricane home risks, and shopping tips.

• South Dakota

  South Dakota Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  South Dakota auto minimums (25/50/25 plus mandatory UM/UIM), tort rules, hail and tornado home perils, and plain-English shopping tips.

• Tennessee

  Tennessee Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Tennessee requires 25/50/25 auto liability. Learn the minimums, the at-fault system, tornado-season home risks, and how to shop smarter in Tennessee.

• Texas

  Texas Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Texas requires 30/60/25 auto liability and runs an at-fault system. Plain-English guide to Texas auto minimums, hail and hurricane home risks, and shopping tips.

• Utah

  Utah Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Utah raised its auto minimums in 2025 to 30/65/25 plus $3,000 PIP in a no-fault state. What changed, how no-fault works, and home perils explained.

• Vermont

  Vermont Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Vermont auto minimums (25/50/10), the unusual 50/100 UM requirement, at-fault rules, winter home perils, and plain-English shopping tips.

• Virginia

  Virginia Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Virginia auto insurance minimums (50/100/25 from 2025), the end of the uninsured motorist fee, and what Virginia homeowners need to know about hurricanes, hail, and flooding.

• Washington

  Washington Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Washington auto insurance minimums (25/50/10), the at-fault system, and what Washington homeowners need to know about earthquakes, wildfires, and windstorms.

• West Virginia

  West Virginia Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  West Virginia requires 25/50/25 auto liability and matching uninsured motorist coverage in a tort state with modified comparative fault. Rules in plain English.

• Wisconsin

  Wisconsin Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Wisconsin requires 25/50/10 liability plus uninsured motorist coverage. Learn the minimums, the at-fault system, winter home risks, and shopping tips.

• Wyoming

  Wyoming Auto & Home Insurance Guide: Minimums, Rules & Shopping Tips

  Wyoming auto minimums (25/50/20), tort rules, wind, hail and wildfire home perils, and plain-English shopping tips.