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State Minimum Coverage Quick Reference Card

All 50 states' auto insurance minimum liability requirements on one laminate-ready reference card. Perfect for agents, students, and anyone shopping for coverage across state lines.

✓ All 50 states + DC✓ No-fault vs. tort notation✓ PIP requirements included✓ Updated April 2026

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Preview: Sample States

The full card includes all 50 states and Washington, D.C. Below is a preview of 10 states. Download the PDF for the complete reference.

State	Minimum Limits	Fault System
California	15/30/5	Tort
Florida	10/20/10 + PIP $10K	No-Fault
New York	25/50/10 + PIP $50K	No-Fault
Texas	30/60/25	Tort
Michigan	Unlimited PIP + 1/1 PDL	No-Fault
Illinois	25/50/20	Tort
Pennsylvania	15/30/5 + PIP $5K	Choice
Ohio	25/50/25	Tort
Georgia	25/50/25	Tort
Colorado	25/50/15	Tort

Limits shown as Bodily Injury per person / per accident / Property Damage (BI/BI/PD). PIP = Personal Injury Protection.

What's Included in the Full Reference Card

✓All 50 states + Washington, D.C.

✓Bodily injury liability minimums (per person & per accident)

✓Property damage liability minimums

✓Personal Injury Protection (PIP) requirements

✓Uninsured motorist coverage requirements

✓No-fault vs. tort vs. choice state designation

✓States where UM/UIM is mandatory

✓States with unique requirements (Michigan, New Hampshire, Virginia)

✓Penalties for driving uninsured by state

✓QR codes to each state's insurance department

Download State Minimums Card PDF

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Important Disclaimer

This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.