About Coverage Criteria
A plain-language reference to the insurance that laws, licences and regulators actually require — state by state, trade by trade — with the official source behind every requirement.
Our Mission
To provide clear, accurate, and accessible insurance requirement information for everyone. We believe understanding mandatory coverage shouldn't require a law degree or hours of research.
Insurance requirements live in official sources that are hard to search and harder to read — dense statutes, scattered DMV and Department of Insurance pages, PDFs that go stale without notice. Coverage Criteria exists to translate that material into a single, consistent, plain-language reference: every guide researched from primary sources, structured the same way, and marked with the date it was last checked.
What Drives Us
Our core values guide everything we research and publish
User-Centered Guides
Every guide is created for real people who need quick, clear answers about insurance requirements—no legal jargon, no unnecessary complexity.
Sourced & Dated
Every guide links the official bodies it draws on — state insurance departments, DMVs, licensing boards and federal regulators — and shows the date it was last verified.
Plain Language
Complex insurance regulations translated into simple, scannable guides with tables, bullet points, and FAQs anyone can understand.
Comprehensive Coverage
From state auto insurance to contractor requirements to gig economy coverage—we cover the requirements that matter most.
Our Journey
From confusing regulations to clear, accessible guides
Foundation Established
Coverage Criteria launched with its initial guides on state auto insurance and gig-economy coverage — DoorDash, Uber Eats, Amazon Flex, and more — as the starting point for a state-by-state, industry-by-industry library.
409 Guides Published
Expanded to motorcycle and boat insurance for all 50 states, 20+ business types, 15+ contractor trades, compliance guides (SR-22, FR-44, DOT, FMCSA), travel insurance, and professional liability guides.
Verification Over Volume
Working back through the library against the statutes themselves. Every guide now links its official sources; the minimum auto liability limits have been re-read from statute for every state that sets a single split limit; and figures that had gone stale are corrected, dated and recorded in our corrections register.
What Makes Us Different
Official sources, clear language, practical answers
Comprehensive Coverage
All 50 states for auto insurance, plus motorcycle, boat, RV, business, contractor, and gig economy requirements. Organized by state, industry, and coverage type.
Sourced & Dated
Every guide is researched from official state DMVs, insurance departments, and regulatory documents, links those sources directly, and carries a "last verified" date.
Plain Language
No legal jargon or confusing terminology. Our guides use tables, bullet points, and FAQs to make insurance requirements easy to understand.
How a Guide Is Checked
What stands behind a number on this site
- Primary sources, linked. Every guide ends with the regulators it draws on — the state insurance department, the DMV or licensing board, the federal agency — as direct links, next to the date the guide was last verified.
- One register for state minimums. The minimum auto liability limits are held in a single register, each state's entry read from its own statute and dated. Before any change to a guide is published, an automated check compares it against that register and blocks it if the two disagree. Michigan, New Hampshire and Florida set no single statutory split limit, so they are handled individually.
- Checked against the law, not against each other. When guides disagree, the answer comes from the statute or the regulator, never from whichever figure appears most often. Several guides once repeated the same outdated number; agreement is not proof.
- Corrections are public. Material errors are fixed in the guide and recorded in the corrections register. Changes to the law itself are tracked in our dated log of state minimum increases.
Comprehensive Insurance Requirement Coverage
Your complete resource for understanding mandatory coverage
What We Cover
Comprehensive guides for all types of insurance requirements
Auto Insurance
State minimum liability, uninsured motorist, PIP, SR-22, and coverage requirements for all 50 states
Business Insurance
LLC requirements, small business coverage, industry-specific rules for bakeries, daycares, hotels, and more
Contractor Insurance
Requirements for electricians, plumbers, roofers, general contractors, and trade professionals by state
Liability Insurance
General liability, professional liability, E&O, and malpractice requirements by industry
Travel Insurance
Schengen visa requirements, country-specific coverage, and travel medical insurance rules
Vehicle Types
Motorcycle, boat, RV, ATV, commercial truck, and specialty vehicle requirements by state
Compliance Guides
SR-22, FR-44, DOT, FMCSA requirements, and regulatory compliance for specialized situations
Coverage Comparisons
State-by-state comparison charts, minimum vs recommended coverage, and policy type comparisons
Our Commitment to You
We understand that finding accurate insurance requirement information can be frustrating. Government websites are confusing, PDFs are outdated, and insurance companies want to sell you more than you need. That's why we're committed to providing:
Accurate Information
All content is researched from official state DMVs, insurance departments, and regulatory documents, links those sources, and carries a verification date. When we find an error we correct it and log it in our corrections register.
No Legal Advice
We provide factual information about requirements, not personalized recommendations. For specific situations, we recommend consulting licensed insurance professionals.
Regular Updates
Insurance requirements can change. We watch for regulatory updates and refresh guides accordingly — but always confirm time-sensitive figures with the issuing agency before relying on them.
Clear Communication
Every guide is written in plain language with tables, bullet points, and FAQs. We translate complex regulations into information anyone can understand.
Important Disclaimer: Coverage Criteria provides general information about insurance requirements based on publicly available sources. This is not legal advice. Requirements can change, and individual circumstances vary. Always verify current requirements with your state's Department of Insurance or DMV, and consult with a licensed insurance professional for advice specific to your situation.