State minimums, gig economy gaps, contractor rules — plain-language answers without the legal jargon.
California Auto
Minimum liability
15/30/5 — required by law
Bodily injury + property damage
DoorDash Driver
Gig economy coverage
$1M liability — active deliveries only
Coverage gap: app on, no active order
General Contractor
Business insurance
$1M general liability — 48 states
Required to obtain contractor licence
Real requirements from our guides — updated 2026
The coverage questions people ask most — with clear, accurate answers from official sources
All 50 states and D.C. auto insurance minimums in one place. Compare liability limits, no-fault PIP requirements, mandatory UM coverage, and identify states with the highest and lowest minimums.
Most states don't legally require LLC insurance, but you need it. Learn what general liability and professional liability LLCs should carry, state rules, and industry requirements.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
Virginia is unique—insurance is optional if you pay a $500 UMV fee. Learn the 30/60/20 minimums, FR-44 requirements for DUI, and why the fee is a bad idea.
SR-22 is a certificate proving you carry required auto insurance. Learn when it's required, how long you need it, costs, and how to file in your state.
Michigan is a no-fault state requiring 50/100/10 liability plus PIP coverage. Learn the unique no-fault rules, 2020 reform changes, and recommended coverage levels.
Find requirement guides organized by insurance category
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons
New insurance requirement guides published in 2026