Side-by-side insurance requirement comparisons
A $1M policy can leave you fully covered or completely exposed depending on one structural choice — whether it's written on an occurrence or claims-made basis.
Admitted insurers are backed by the state guaranty fund if they fail; surplus lines carriers aren't — a distinction every state requires brokers to disclose in writing.
Taxi insurance minimums are set locally and run $100,000 to $500,000+ — a separate, stricter framework than both personal auto and rideshare coverage.
A surety bond must be repaid by the business after a claim is paid; liability insurance is absorbed by the insurer instead. See how California, Florida, and Nevada require different combinations of the two — and why "bonded and insured" isn't one guarantee.
No state requires title insurance, but lenders make it mandatory and Iowa bans private title insurers outright in favor of a state-run program. See lender's vs. owner's policy rules, and which states fix the insurance rate by regulation.
Every state sets a minimum liability requirement, but 'full coverage' is a lender term with no legal definition. See what each actually covers, who is required to carry full coverage, and the real financial gap between them.
Landlords can require renters insurance in every state except Oklahoma. See Oregon's $100,000 coverage cap, Virginia's landlord-billing rules, and the anti-steering protections tenants have nationwide.
Liability-only meets state minimums but pays nothing toward your own vehicle — full coverage adds collision and comprehensive. No state legally requires full coverage, but auto lenders and leasing companies mandate it on financed and leased vehicles.
FR-44 applies only in Florida and Virginia and requires 10x the standard minimum liability after a DUI — FL mandates 100/300/50 versus the state’s standard 10/20/10. SR-22 applies in most states and requires only standard minimums.
Alaska and Maine require $50,000/$100,000 liability — five times the floor set by the lowest states. See which states demand the most from drivers, how mandatory PIP and UM add to the picture, and what it means for premiums.
Nine states require drivers to use their own PIP coverage after an accident regardless of fault. The other 38 states hold the at-fault driver's liability policy responsible. Here's how each system works, which states use each, and what it means for your premiums.
Michigan leads with $800–$2,400/year for minimum coverage, driven by mandatory PIP and Detroit-area underwriting. Louisiana ranks third despite low minimums — its litigation rate, not its requirements, pushes premiums up.
40+ states have TNC laws setting rideshare insurance minimums. New York City requires $1.5M liability — the highest in the US. Delivery drivers are largely not covered by these laws. Period 1 (app on, no passenger) remains the biggest coverage gap.
Texas, Colorado, and Kansas have no statewide GC license. California requires a Class B exam, a $25,000 bond, and makes unlicensed contracting a misdemeanor. Here's how every state's system compares — and what insurance comes with each.
Most states require workers' comp at 1 employee. Alabama, Mississippi, and Missouri don't require it until 5. Texas is the only state where it's entirely optional — and the only state where non-subscriber employers lose their key legal defenses.
SR-22 duration ranges from 1 year (North Dakota) to 5 years (Nebraska and Tennessee DUI). Four states don't use SR-22 at all. Florida and Virginia use FR-44 for DUI — requiring 00,000/$300,000 liability, not just state minimums.
Most licensed states require contractors to carry both a surety bond and liability insurance — but they serve completely different purposes. Bond amounts range from $2,500 in Arizona to $2,000,000 in Nevada for large contractors.
19 states mandate uninsured motorist coverage — you can't legally drive without it. Another 28 require it to be offered but let you reject it in writing. Mississippi has a 29% uninsured driver rate and no UM mandate.
12 states require no-fault PIP coverage — meaning your insurer pays your medical bills first regardless of who caused the accident. Michigan, Florida, and New York are the most complex. Here's how every state compares.
California, Illinois, and New York offer the strongest insurance protections for rideshare and delivery drivers. This ranking compares TNC law strength, Period 1 minimums, delivery inclusion, and endorsement availability across all states.
Florida, Iowa, and New Jersey require the least from drivers. This ranking compares minimum auto insurance requirements across all states and explains the real-world trade-offs of low mandated minimums.
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.
Browse insurance requirement guides across other coverage areas
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
Insurance requirements for delivery & rideshare drivers
State comparison charts, policy type comparisons, and requirement breakdowns.
All guides are written by the Coverage Criteria editorial team and verified against official government and regulatory sources. We translate complex insurance rules into plain language so you know exactly what coverage is required — without needing a lawyer.
