Insurance requirement guides for Multi-State Guides.
A registered car needs insurance even if nobody drives it. In NJ, NY and NC the plates must go back before the policy ends; CA and OK offer non-use filings.
NC, SC, Texas and Louisiana won't issue a licence without proof of insurance or a no-vehicle statement. SC and Louisiana check renewals too.
Every state requires insurance to drive on a temporary tag, but only some check first. Virginia names temporary plates in its uninsured-driving offence.
Colorado and Kentucky require $500,000 for radon mitigators and $250,000 for testers; Illinois withholds system tags without insurance. Most licensing states require none.
The FAA requires no insurance for crop dusting; states do, from $25,000 in Kansas to $400,000 in Colorado. Florida and Oklahoma require drift cover, Colorado doesn't.
Most states set $1M for a public fireworks show, but Texas requires $500,000 outdoors and Georgia accepts a $10,000 bond. Ten state statutes compared.
Illinois and Kentucky require $2M per school bus; Montana's 1971 floor is $10,000 per person. Florida scales it at $5,000 a seat. 15 states verified at statute.
An eight-seat stretch SUV needs $500,000 in Colorado, $750,000 in California and $1.5M plus a $1.5M SUM layer in New York. Federal, state and city tiers compared.
Louisiana and Illinois make repo agencies carry $1M policies plus a $1M bond; Florida licenses them with no insurance at all. Eight states checked at statute.
Colorado, New Jersey and Wisconsin require $1M/$3M; Massachusetts $100K/$300K. Florida lets doctors opt out with a posted sign, and Kansas raised its floor in 2022.
The FAA requires no insurance from private owners. Minnesota does — $100,000 per passenger seat — and Indiana's accident limits have risen tenfold since the 2015 GAO survey.
Minnesota requires $300,000 and Pennsylvania $50,000 once a dog is declared dangerous. Ohio joined the mandate states in March 2026, and the common "14 states" list is wrong.
Eight states have raised their auto insurance minimums since 2023 after decades of stillness. A dated record of each change, what triggers it, and what each left alone.
Kentucky requires certified manufactured home installers to carry $250,000 in liability insurance; Florida and Alabama set $100,000 plus a bond.
Pennsylvania and Virginia require $1,000,000 in insurance for blasting permits; South Carolina requires $500,000 from each individual blaster.
New York requires MMA and boxing promoters to insure each fighter for $1,000,000 in brain injury care; Florida requires $20,000 in medical coverage.
Georgia requires fire extinguisher service companies to carry $1,000,000 in liability insurance; Texas and Utah set $100,000 per occurrence.
Arizona and Oklahoma require $1,000,000 in ambulance professional liability insurance; New Jersey requires $300,000, and Texas adds a letter of credit.
Florida requires alarm contractors to carry $500,000 in property damage coverage; Texas and Tennessee set it at $100,000 under different licensing laws.
Colorado requires outfitters to carry $100,000 per accident plus a $10,000 bond; Oregon requires $500,000, and Montana defers to federal land permits.
Four states legally require $1,000,000+ liability insurance for bounce house rentals; Florida and Colorado exempt inflatables from that same law.
Texas and California require no malpractice insurance at all for a med spa medical director; Florida sets $100,000, Pennsylvania forces $1,000,000.
Washington requires $500,000 in liability insurance for a fireworks stand; Michigan requires $10,000,000 per location for the identical activity.
Antique and classic cars still must carry standard state-minimum liability insurance — the difference is agreed-value coverage and usage limits, not an exemption from the law.
Most states impose no blanket insurance mandate for off-highway-only dirt bikes, but Idaho and New Jersey do, and any street-legal dual-sport bike is insured exactly like a motorcycle.
Pennsylvania exempts farm vehicles from its insurance law entirely; North Dakota requires coverage the moment an implement of husbandry hits a public road. The orange SMV emblem is not proof of either.
Colorado requires a flat $20,000 statewide bond for water well drillers. California sets no statewide figure at all — bonding is set county by county, from $5,000 to $25,000.
48 states shield stables from ordinary-negligence claims under an Equine Activity Liability Act, but none of them require insurance, and California and Maryland offer no such statute at all.
Florida requires $1 million in general liability insurance before issuing a mold remediation license; Louisiana sets its floor at just $50,000. Most states require neither.
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.
CBP's $50,000-minimum customs bond belongs to the importer, not the broker — brokers are licensed under exam and character review, with no federal insurance mandate at all.
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.
Septic installers and pumpers hold separate licenses in most states, with bond amounts ranging from $15,000 in Oregon to $75,000 in Oklahoma and GL minimums up to $1 million in New Jersey.
Freight brokers must post a $75,000 FMCSA bond or trust fund — not liability insurance — under 49 CFR 387.307, and confusing the two costs new brokers money.
Bail bond agents are licensed insurance producers in most states — but five states have eliminated commercial bail entirely, license and all.
Taxi insurance minimums are set locally and run $100,000 to $500,000+ — a separate, stricter framework than both personal auto and rideshare coverage.
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.
The federal health insurance penalty is $0, but California, Massachusetts, New Jersey, Rhode Island, and D.C. still fine residents for going uninsured. See each state's 2026 penalty amount, exemptions, and how the mandates actually work.
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.
No state requires GAP insurance, but New York and Virginia regulate how GAP waivers are sold. Learn who actually needs coverage, what happens without it, and how dealership GAP compares to standalone policies.
No state requires renters insurance, and Oklahoma does not ban landlords from requiring it, despite the widely repeated claim. See what Oregon's ORS 90.222 and Virginia's § 55.1-1206 actually allow, and where the Oklahoma myth comes from.
Rental companies must carry state-minimum liability almost everywhere, except California, Missouri, New York, Texas, and Utah. See how personal auto, credit cards, and the counter's damage waiver actually stack up.
Flood insurance becomes mandatory when a building in a FEMA Special Flood Hazard Area secures a loan from a federally regulated lender — for at least the loan balance or the NFIP maximum. See NFIP limits, private flood rules, and when lenders must force-place coverage.
No state requires homeowners insurance, but mortgage lenders do: Fannie Mae calls for replacement-cost coverage with a deductible of no more than 5%. See when a servicer can force-place insurance, and where flood coverage adds a federal mandate.
Festivals, fairs, and farmers markets require $1M-$2M general liability naming the event as additional insured before setup — and selling alcohol usually needs separate liquor liability, which permits like Seattle's set at $2M.
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.
No U.S. state mandates personal umbrella insurance — but landlords, contractors, and commercial tenants face contractual and municipal requirements that effectively require $1M–$5M in umbrella coverage above their standard policies.
Teen drivers in every U.S. state are subject to the same minimum liability requirements as adult drivers — no reduced minimum exists. A DUI conviction triggers a 3-year SR-22 obligation, and named driver exclusions remove all coverage if a teen drives.
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.
Personal injury protection (PIP) is mandatory in 12 no-fault states with minimums ranging from $3,000 in Utah to $50,000 in New York — and Michigan reformed its unlimited PIP system in 2020 with a tiered opt-out structure.
Class 1-3 e-bikes (up to 28 mph, 750W) are not required to be insured in any state that has adopted the three-class framework — but e-bikes exceeding those thresholds are classified as mopeds and require liability insurance.
All 50 states require proof of auto insurance at traffic stops — 47+ states accept digital proof on a smartphone. Failure to show proof carries fines of $50–$500, often dismissible when coverage is confirmed.
Non-owner auto insurance is required when an SR-22 or FR-44 filing is mandated and the driver does not own a vehicle — the certificate cannot exist without an underlying policy. Florida's FR-44 requires $100,000/$300,000 liability on a non-owner policy, more than 10 times the state's standard minimum.
Most states require licensed home health agencies to carry $1M professional liability and abuse & molestation coverage as a condition of licensure. Independent caregivers and registry workers often have no employer coverage at all.
Every state requires a separate license before any agent can sell insurance — and the requirements vary from 0 pre-licensing hours (Arizona) to 200 hours (Florida). Here's what licenses, E&O coverage, bonds, and CE you actually need.
North Carolina overtook Alaska and Maine on 1 July 2025 and is now the only state requiring $50,000 in property damage. See the full ranking and what drives it.
A certificate of insurance (COI) proves coverage exists but does not create it — and "additional insured" on a certificate means nothing without an actual policy endorsement. Here's what landlords, GCs, and municipalities require and how to comply.
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 Michigan's high liability floor and Detroit-area underwriting. Louisiana ranks third despite low minimums — its litigation rate, not its requirements, pushes premiums up.
No single federal law mandates E&O insurance for all financial advisors — but FINRA requires fidelity bonds for broker-dealers, several states require E&O for state-registered RIAs, and clients expect it regardless.
Most states require concrete contractors to carry $1M general liability insurance to obtain a license. Here's what coverage you need, how bond requirements vary by state, and what happens if you work uninsured.
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.
Workers' comp is required from 1 to 5 employees depending on the state — 3 in Georgia and Michigan, 4 in Florida, 5 in Alabama, Mississippi, Missouri and Tennessee — with lower construction thresholds in several. Texas is the only state where private employers can opt out.
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.
20 states plus D.C. mandate uninsured motorist coverage — you can't legally drive without it. Another 27 require it to be included or 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.
Most states require liability insurance for street-legal mopeds and scooters — but the engine size threshold varies. Under 50cc mopeds are exempt in some states; over 150cc is treated like a motorcycle everywhere.
Illinois, New Jersey, New York, Vermont, the Dakotas and Pennsylvania require it; Minnesota and Maine do not. Plus Canada, where Quebec requires $1,000,000.
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.
Arkansas ($50,000) and Utah (25/50/15) require insurance on every jet ski, whatever the horsepower. Elsewhere lenders, marinas and rental businesses set the rules. PWC education rules by state.
Golf cart insurance requirements vary by state and where you drive. Learn which states require coverage for street-legal carts, minimum liability limits, and recommended coverage.
Only a few states require ATV insurance. Learn state-by-state requirements, when liability is mandatory, registration rules, and recommended coverage levels.
Motorized RVs require liability insurance in all 50 states. Learn state-by-state requirements, what towable trailers need, full-timer coverage, and recommended limits.
Only Arkansas ($50,000) and Utah (25/50/15) require boat insurance, for motorboats over 50 hp and every PWC. A 50-state table of insurance laws and boater-education rules, from the statutes.
Discover more content by exploring these related tags
This collection features 76 carefully researched guides for Multi-State Guides insurance requirements. Our content provides clear, accurate information about coverage minimums, compliance rules, and state-specific regulations. All guides are written in plain language with official sources cited.
