Insurance requirement guides for minimum-coverage.
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.
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 the moment a property sits in a FEMA Special Flood Hazard Area with a federally backed mortgage. See NFIP coverage limits, private flood insurance rules, and what triggers force-placed coverage.
No state requires homeowners insurance, but mortgage lenders universally require it at full replacement cost with $100,000+ liability. See what triggers force-placed insurance and where flood coverage adds a separate mandate.
Thailand requires no travel insurance for tourist entry, but the O-A and O-X long-stay visas mandate health coverage starting at THB 400,000 and rising to THB 3,000,000 at many embassies.
New Mexico has no state boat insurance mandate, but marinas at Elephant Butte Lake and Navajo Lake require $300,000-$500,000 liability. Nearly all of the state's boating water is a federal reservoir, not a natural lake.
Idaho has no state boat insurance mandate, but USACE and Reclamation marinas on Lake Pend Oreille, Dworshak, and Lucky Peak require $300,000-$500,000 liability. BUI is set at 0.08% BAC under Idaho Code 67-7034.
Delaware has no state boat insurance mandate, but Indian River Marina and other state-run facilities require $300,000-$500,000 liability. Neighboring New Jersey mandates liability insurance by statute for powerboats and PWCs.
Costa Rica ended its mandatory travel insurance rule in 2022, but public hospitals still bill uninsured tourists directly, and long-stay visa categories like the digital nomad visa require proof of health coverage.
FAA Part 107 governs airspace authorization, not liability — commercial drone operators typically need $500K-$1M in aviation-specific liability coverage required by clients and property owners, not the FAA.
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.
Australia does not require travel health insurance for tourist visa holders — but Australian Medicare excludes U.S. visitors, and student visa holders must carry mandatory Overseas Student Health Cover (OSHC) as a visa condition.
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.
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.
Canada does not require travel health insurance for tourists, but provincial health plans cover residents only — foreign nationals are billed at uninsured rates. U.S. auto policies are valid in Canada but must meet each province’s minimum, commonly $200,000 CAD.
Standard general liability excludes animals in the facility's care under the CCC exclusion — making care, custody, and control bailee coverage the most critical insurance for boarding kennels and doggy daycares.
Mexico requires auto liability insurance from a Mexican-licensed insurer for any vehicle driven on public roads — U.S. and Canadian policies are not valid. Travel health insurance is not legally mandated but Medicare does not cover care in Mexico.
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.
Cuba legally requires all foreign visitors to carry travel health insurance under Decree-Law 284 — and enforces it at airline check-in. U.S. travelers cannot use standard U.S. policies due to OFAC embargo restrictions.
Driving schools need commercial auto insurance with state-mandated minimums for student driver vehicles — California requires $750,000 combined single limit; most states set $100,000–$300,000 per person. General liability and professional liability are also required.
Dog trainers need $1M general liability to cover bites, participant injuries, and property damage — plus professional liability for behavioral outcome claims and care-custody-control coverage for board-and-train programs. Homeowner's policies exclude business operations.
Kansas has no state boat insurance mandate, but USACE marina facilities on Milford Lake, Tuttle Creek, and Perry Lake require $300,000–$500,000 liability. K.S.A. 32-1126 sets the 0.08 BAC threshold for BUI statewide.
Oklahoma has no state boat insurance mandate, but USACE marina facilities across Oklahoma's 24 Corps reservoirs — including Lake Eufaula (102,500 acres) and Lake Texoma (89,000 acres) — require $300,000–$500,000 liability. Oklahoma has more USACE reservoirs than any other state.
Wyoming has no state boat insurance mandate, but NPS marina facilities at Jackson Lake and USACE marinas at Glendo and Boysen reservoirs require $300,000–$500,000 liability. Wyoming's high-altitude lakes stay below 60°F well into summer — cold shock risk is elevated throughout the season.
Nebraska has no state boat insurance mandate, but USACE marina facilities at Lewis and Clark Lake and lenders on Lake McConaughy require $300,000–$500,000 liability. Neb. Rev. Stat. § 37-1254.05 sets the 0.08 BAC threshold for BWI statewide.
Arkansas has no state boat insurance mandate, but USACE marina facilities on Lake Ouachita, Greers Ferry Lake, and Beaver Lake require $300,000–$500,000 liability. Ark. Code Ann. § 27-101-211 sets the 0.08 BAC threshold for BUI statewide.
Vermont has no state boat insurance mandate, but marina slip agreements on Lake Champlain and Vermont's inland lakes require $300,000–$500,000 liability. Boats transiting north into Quebec must comply with Canadian customs reporting — and standard US policies do not automatically cover Canadian waters.
South Dakota has no state boat insurance mandate, but USACE marina facilities on all four Missouri River reservoirs require $300,000–$500,000 liability. Lake Oahe's 231-mile fetch can generate 5–7 foot waves in sustained northwest winds.
Montana has no state boat insurance mandate, but marina slip agreements at Flathead Lake and Fort Peck Reservoir require $300,000–$500,000 liability. Flathead Lake's southern half lies within the Flathead Indian Reservation — tribal permits required for fishing and anchoring.
Iowa has no state boat insurance mandate, but marina slip agreements at the Iowa Great Lakes, USACE reservoir facilities, and Mississippi River marinas require $300,000–$500,000 liability. West Okoboji's summer traffic density and river navigation rules define the coverage landscape.
Mississippi has no state boat insurance mandate, but marina slip agreements at Ross Barnett Reservoir, Gulf Coast facilities, and Mississippi River marinas require $300,000–$500,000 liability. Named-storm deductibles and river barge traffic define the coverage landscape.
New Hampshire requires neither auto insurance nor boat insurance — the only state in the US with no compulsory mandate for either. Marina slip agreements on Lake Winnipesaukee and throughout the lake region require $300,000–$500,000 liability.
North Dakota has no state boat insurance mandate, but USACE marina facilities on Lake Sakakawea and managed facilities on Devils Lake require $300,000–$500,000 liability. Zebra mussel decontamination is mandatory when leaving Sakakawea.
Hawaii has no state boat insurance mandate, but DOBOR harbor agreements at all 22 state small boat harbors require $300,000–$500,000 liability. Inter-island channels like the Kaiwi and Alenuihaha present ocean hazards unlike any mainland US state.
West Virginia has no state boat insurance mandate, but marina agreements at Summersville Lake and Ohio River facilities require $300,000–$500,000 liability, and commercial barge traffic on the Ohio creates significant collision exposure.
Utah has no state boat insurance mandate, but NPS and BOR marina concessions at Lake Powell and Flaming Gorge require $300,000–$500,000 liability. Utah also has the most restrictive BUI limit in the country at .05% BAC.
Rhode Island has no state boat insurance mandate, but marina slip agreements throughout Narragansett Bay, Newport Harbor, and Block Island require $300,000–$500,000 liability.
Connecticut has no state boat insurance mandate, but marina slip agreements throughout Long Island Sound and the Connecticut River require $300,000–$500,000 liability from slip holders.
Massachusetts has no state boat insurance mandate, but marina agreements in Boston Harbor, Cape Cod Bay, and Nantucket Sound require $300,000–$500,000 liability from slip holders.
Oregon has no state boat insurance mandate, but Columbia River and Willamette River marina agreements require $300,000–$500,000 liability, and the Columbia Bar is among the most dangerous crossings in North America.
New Jersey has no state boat insurance mandate, but marina slip agreements on Barnegat Bay, Sandy Hook Bay, and the Delaware River require $300,000–$500,000 liability.
Nevada has no state boat insurance mandate, but NPS concessionaire marinas at Lake Mead and Lake Mojave require $300,000–$500,000 liability from slip holders.
Maine has no state boat insurance mandate, but marina agreements on Casco Bay and Penobscot Bay require $300,000–$500,000 liability for slip holders.
Alaska has no state boat insurance mandate, but marinas at Homer, Seward, and Valdez require $300,000–$500,000 liability for slip holders.
Colorado has no state boat insurance mandate, but marina agreements and Bureau of Reclamation permits at Lake Granby, Dillon Reservoir, and Pueblo Reservoir require $300,000–$500,000 liability. High altitude and cold water create risk factors not present in lower-elevation boating states.
Alabama has no state boat insurance mandate, but marina agreements on Lake Guntersville, Lake Martin, Mobile Bay, and Gulf Shores require $300,000–$500,000 liability. Gulf and ICW operators face open-water conditions that warrant higher limits and offshore towing coverage.
Kentucky has no state boat insurance mandate, but marina slip agreements on Kentucky Lake, Lake Barkley, and Lake Cumberland require $300,000–$500,000 liability. Kentucky's massive houseboat fleet on Lake Cumberland needs specialized coverage beyond standard recreational boat policies.
South Carolina has no state boat insurance mandate, but Lake Murray marinas and Charleston Harbor facilities require $300,000–$500,000 liability through standard slip agreements. ICW operators sharing waterways with commercial barge traffic face elevated liability exposure that the absence of a state law does not eliminate.
Indiana has no state boat insurance mandate, but Lake Michigan marinas in Michigan City and Portage require $300,000–$500,000 liability — consistent with Illinois and Wisconsin shoreline standards. Lake Monroe and Geist Reservoir marina agreements impose the same requirement through standard slip language.
Tennessee has no state boat insurance mandate, but TVA marina permit agreements across Norris, Watts Bar, Chickamauga, and Kentucky Lake require $300,000–$500,000 liability as a standard slip condition. With 184 miles of Kentucky Lake alone, towing coverage limits matter as much as liability limits.
Virginia has no state boat insurance mandate, but Chesapeake Bay and Smith Mountain Lake marina slip agreements require $300,000–$500,000 liability as a standard contractual condition. Hampton Roads boat traffic — overlapping with commercial shipping and Navy vessels — adds liability exposure no recreational boat policy should skip.
Louisiana has no state boat insurance mandate, but Gulf Coast and Lake Pontchartrain marinas require $300,000–$500,000 liability as a standard slip condition. Hurricane deductibles — often percentage-based, not flat — are a Louisiana-specific risk most boaters underestimate.
Wisconsin has no state boat insurance mandate, but Door County and Lake Geneva marinas require $300,000–$500,000 liability as a standard slip condition. Lake Superior's remote open-water exposure — with Coast Guard stations 50+ miles from the Apostle Islands — makes uninsured boating a serious financial gamble.
Missouri has no state boat insurance mandate, but Lake of the Ozarks marinas — serving one of the most heavily trafficked recreational lakes in the US — require $300,000–$500,000 liability. Table Rock Lake Corps concessionaires have similar requirements.
Maryland has no state boat insurance mandate, but Chesapeake Bay marinas in Annapolis and along the Bay require $300,000–$500,000 liability. The Bay's commercial shipping traffic, weather volatility, and dense summer recreational traffic create liability exposure unlike inland lakes.
Arizona has no state boat insurance mandate, but Lake Havasu marinas require $300,000–$500,000 liability and National Park Service concessionaires at Lake Powell require documented coverage from slip holders and houseboat renters.
Pennsylvania has no state boat insurance mandate, but Lake Erie marinas require $300,000–$500,000 liability and Pittsburgh tri-rivers boat clubs require proof of coverage. Financed vessels require hull coverage by lender contract.
Illinois has no state boat insurance mandate, but Chicago Park District harbor slip agreements require $500,000–$1,000,000 liability — far above the inland lake standard. With 600,000+ registered watercraft and Lake Michigan open-water exposure, coverage choices matter.
Minnesota has no state boat insurance mandate, but the DNR registers over 850,000 watercraft and most marina slip contracts require $300,000–$500,000 liability. Lake Superior access requires specific policy confirmation.
Washington has no state boat insurance mandate, but Puget Sound marinas require $300,000–$500,000 liability. Ferry traffic, tidal currents at Tacoma Narrows, and commercial shipping lanes create open-water exposure unlike most inland lake states.
North Carolina has no state boat insurance mandate, but coastal marinas require $300,000–$500,000 liability. Hurricane deductibles, Outer Banks inlet hazards, and the Intracoastal Waterway make NC boating insurance decisions more complex than most states.
Georgia has no state boat insurance mandate, but Lake Lanier marinas — on one of the busiest recreational lakes in the US — require $300,000–$500,000 liability. Coastal boaters near Savannah face additional commercial vessel and hurricane exposure.
Ohio has no state law requiring boat insurance, but most marina slip agreements on Lake Erie and inland reservoirs require $300,000–$500,000 liability. With 700,000+ registered vessels and Lake Erie's open-water hazards, understanding what coverage you actually need matters.
Michigan has no state law requiring boat insurance, but marina contracts on the Great Lakes and 11,000+ inland lakes require $300K–$1M liability. Learn what Michigan boaters actually need.
No state law mandates insurance for retail stores, but commercial leases require $1M GL as a condition of occupancy. Slip-and-fall, product liability, and employee theft are the three most common retail claims.
Massachusetts requires 20/40/5 liability plus mandatory uninsured motorist coverage on every registered motorcycle. PIP does not apply — learn the compulsory coverage rules, penalties, and SDIP rating system.
New York has no state law requiring boat insurance, but marina contracts require $300K–$1M liability and NYC Parks permits require $1M for commercial vessels. Learn what NY boaters actually need.
California has no statewide boat insurance mandate, but most marina slip agreements require $300,000–$500,000 liability and California State Parks marinas require documented coverage. Here's what CA boat owners need to know.
FMCSA requires commercial motor carriers to file proof of financial responsibility ranging from $300,000 for light non-hazmat freight to $5,000,000 for bulk hazardous materials — and authority is suspended the moment the BMC-91 filing lapses.
Texas law does not require boat insurance, but most marina slip agreements require $300,000–$500,000 liability and virtually all marine lenders require hull coverage. Here's what Texas boat owners actually need.
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.
Tow trucks require commercial auto liability ($300K–$750K under FMCSA), on-hook coverage for vehicles in transport, and garage keepers liability for impound operations. Motor club contracts often require $1M.
Florida has no state law requiring boat insurance, but marinas require $300,000–$500,000 liability and lenders require hull coverage. With 900,000+ registered vessels and high accident rates, coverage is essential.
Georgia has no state law requiring homeowners insurance, but mortgage lenders on FHA, VA, and conventional loans require it — typically at replacement cost value with $100,000+ liability coverage.
Washington DC requires 25/50/10 liability coverage plus mandatory uninsured motorist protection. DC has a 19% uninsured driver rate and among the highest average premiums in the country at $1,800–$3,000/year.
Florida requires $10,000 PIP and $10,000 PDL for LSV-classified golf carts on public roads. Standard golf carts under 20 mph have no state insurance mandate — but HOA rules and accident liability make coverage essential.
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.
Interstate movers must carry $750,000 auto liability under FMCSA rules plus a $10,000 surety bond. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
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.
Snowmobile insurance is legally required in MN, ND, NH, NY, and ME for public trail use. Most other states don't mandate it — but riding without liability coverage is a serious financial risk.
The UK does not require travel insurance for entry, but the NHS does not provide free care to US or Canadian visitors. Learn what NHS covers, post-Brexit EHIC rules, and recommended coverage levels.
Personal auto insurance almost always excludes coverage when your car is rented on Turo. Learn how Turo's host protection plans work, what guests need, and when a commercial policy is required.
Grubhub provides $1M contingent liability during active deliveries but has no coverage between orders. Your personal auto policy likely excludes delivery driving — here's what Grubhub drivers actually need.
Wyoming requires 25/50/20 minimum motorcycle liability with no helmet law for adults. Riding in bison country near Yellowstone and Grand Teton makes comprehensive coverage essential — not optional.
South Dakota requires 25/50/25 minimum motorcycle liability with no helmet law for adults. Home to Sturgis Rally (500,000+ riders) and bison-crossing roads — coverage choices have real consequences here.
New Mexico requires 25/50/10 minimum motorcycle liability, universal helmets, and mandatory UM coverage. With a ~21-24% uninsured driver rate and open-range livestock hazards, coverage gaps are costly.
Arkansas requires 25/50/25 minimum motorcycle liability and helmets for all riders. With a ~16-19% uninsured driver rate and the famous Pig Trail through the Ozarks, adequate coverage is essential.
Rhode Island requires 25/50/25 minimum liability, helmets for all riders, and mandatory uninsured motorist coverage. With a 15-17% uninsured driver rate, UM protection is genuinely critical here.
Vermont requires 25/50/10 minimum motorcycle liability with no helmet law for adults. The fall foliage season brings peak traffic on technical mountain roads — collision coverage is worth carrying.
Kansas requires 25/50/10 minimum motorcycle liability — the $10,000 property damage limit is especially low. Motorcycles are excluded from Kansas's no-fault PIP system and helmets are only required under 18.
Nebraska requires 25/50/25 minimum motorcycle liability and helmets for all riders with no age exemptions. Hail storms and deer hazards in the Sandhills make comprehensive coverage a practical necessity.
North Dakota requires 25/50/25 minimum motorcycle liability and has no helmet law for riders 18+. Motorcycles are excluded from the state's no-fault PIP system — wildlife coverage is essential.
Delaware requires 25/50/10 minimum motorcycle liability, universal helmets for all riders, and mandatory UM coverage. Motorcycles are excluded from Delaware's no-fault PIP system.
Mississippi requires 25/50/25 minimum motorcycle liability and enforces a universal helmet law for all riders. With a ~29% uninsured driver rate, UM coverage is especially important.
Lyft provides $1M liability during active rides but leaves a dangerous gap during Period 1 when the app is on with no passenger. Here's what every Lyft driver actually needs.
Montana requires 25/50/10 motorcycle liability — the $10,000 property damage minimum is one of the lowest in the US. Montana has no helmet law for any rider, vast distances from hospitals, and significant elk/deer hazards.
Idaho requires 25/50/15 minimum motorcycle liability coverage and has no helmet law for any rider. Home to the Sawtooth Scenic Byway and Hells Canyon — Idaho's remote canyon routes make collision and comprehensive coverage worth carrying.
Maine requires 50/100/25 motorcycle liability — one of the highest minimums in the US. No adult helmet law, but moose crossings, coastal fog, and frost-heaved roads make comprehensive coverage a practical necessity.
West Virginia requires 25/50/25 motorcycle liability coverage, a universal helmet law for all riders, and includes uninsured motorist coverage by default. Home of the Hatfield-McCoy Trails and New River Gorge riding country.
Utah requires 25/65/15 motorcycle liability coverage with a higher-than-average $65,000 aggregate. Utah is a no-fault state but motorcycles are excluded from PIP — and Utah was the first state to legalize lane filtering.
New Hampshire is the only state without mandatory auto insurance — but motorcycles must carry 25/50/25 liability coverage. No helmet law for adults, but insurance is required for all riders on public roads.
Alaska requires 50/100/25 motorcycle liability coverage — among the highest minimums in the US. No universal helmet law, but remote roads, wildlife hazards, and limited emergency response make comprehensive coverage critical.
Missouri requires 25/50/10 minimum motorcycle liability plus mandatory uninsured motorist coverage included by default. The state's partial helmet law requires helmets only for riders under 26 or in their first endorsement year — not all riders.
Oklahoma requires 25/50/25 minimum motorcycle liability in a pure at-fault state. All riders must wear DOT-certified helmets under Oklahoma's universal helmet law. Comprehensive coverage is critical in Tornado Alley — hail and storm damage are routine events.
Hawaii requires 20/40/10 minimum motorcycle liability — and unlike auto owners, motorcycle riders are excluded from Hawaii's mandatory no-fault PIP coverage. Year-round riding season and island healthcare costs make comprehensive coverage worth considering.
Kentucky requires 25/50/10 minimum motorcycle liability, but the state's choice no-fault system doesn't apply to motorcyclists — riders operate under tort rules with no automatic PIP coverage for their own injuries. Universal helmet law applies to all riders.
Alabama requires 25/50/25 motorcycle liability with a universal helmet law. Alabama's contributory negligence rule means even 1% fault bars your recovery from the other driver — making UM/UIM and MedPay more critical here than in most states.
Connecticut requires 25/50/25 motorcycle liability plus both uninsured AND underinsured motorist coverage — but motorcycles are excluded from CT's no-fault PIP requirement, leaving riders without automatic medical coverage for their own injuries.
Louisiana requires 15/30/25 motorcycle liability — some of the lowest bodily injury minimums in the US. With an 11–14% uninsured driver rate and hurricane exposure, UM coverage and comprehensive are more critical here than in most states.
Iowa requires 20/40/15 motorcycle liability — among the lower minimums in the Midwest. Helmets are required only for riders under 18. UM/UIM is offered but not mandated, and Iowa ranks top 5 nationally for deer-vehicle collisions.
Oregon requires 25/50/20 motorcycle liability, but unlike auto policies, motorcycles are excluded from Oregon's mandatory PIP requirement — riders have no automatic medical coverage for their own injuries. Universal helmet law applies.
South Carolina requires 25/50/25 motorcycle liability plus mandatory uninsured motorist coverage at matching limits. Helmets are required for riders under 21 and those with less than 2 years of licensure — not universally for all riders.
Vermont requires 25/50/10 liability but mandates uninsured AND underinsured motorist coverage at 50/100 — higher than the base liability minimum. One of few US states where required UM/UIM exceeds liability minimums.
Rhode Island requires 25/50/25 liability plus mandatory uninsured motorist coverage at 25/50. It's an at-fault state with no mandatory PIP, and the state's ~15% uninsured driver rate makes UM coverage more than a formality.
North Carolina requires 30/60/25 motorcycle liability plus uninsured motorist coverage that cannot be waived — one of the few states with mandatory UM. A universal helmet law applies to all riders and passengers regardless of age.
New Hampshire is the only US state with no mandatory auto insurance. The Financial Responsibility Law means you're personally liable for all damages after an at-fault accident if you can't pay — license suspended, registration revoked.
Washington requires 25/50/10 motorcycle liability plus uninsured motorist coverage auto-enrolled on every policy — removable only with a written rejection. A universal helmet law applies to all riders and passengers.
Virginia requires 30/60/20 motorcycle liability and eliminated its $500 uninsured vehicle fee in July 2024 — making insurance truly mandatory for all VA riders. FR-44 doubles minimums to 60/120/40 after DUI.
Maryland requires 30/60/15 liability on all motorcycles, enforces a universal helmet law for all riders and passengers regardless of age, and explicitly excludes motorcycles from its mandatory PIP system. With a 14-17% uninsured driver rate, UM coverage is critical.
Nevada requires 25/50/20 liability on all motorcycles and enforces one of the most aggressive real-time insurance verification systems in the US. Helmets are only required for riders under 21 — one of the more permissive thresholds nationally.
Maine requires 50/100/25 liability plus mandatory uninsured motorist coverage you cannot waive — one of the strictest requirements in the US. Maine is an at-fault state with no PIP requirement. Moose collisions are extremely dangerous statewide.
Alaska requires 50/100/25 liability — among the highest minimums in the US — due to remote geography and costly medical evacuations. Driving without insurance is a Class A misdemeanor. Moose collisions are a major hazard statewide.
New Jersey requires 15/30/5 liability on all motorcycles, enforces a universal helmet law, and explicitly excludes motorcycles from its no-fault PIP system. With a $5,000 property damage minimum and 14-16% uninsured driver rate, NJ riders need more than the legal minimum.
Indiana raised its motorcycle insurance minimums in 2022 from 25/50/10 to 25/50/25. With roughly 16% of Indiana drivers uninsured, UM coverage is critical. Helmets are not required for adults. Learn current requirements, penalties, and SR-22 rules.
Wyoming requires 25/50/20 liability for all drivers. The state has some of the highest wildlife-collision rates in the US and is the windiest state in the country. Learn state minimums, penalties, and why comprehensive coverage is practically necessary in WY.
South Dakota requires 25/50/25 liability for all drivers and ranks among the highest states for deer-vehicle collisions. Driving uninsured is a Class 2 misdemeanor. Learn state minimums, SR-22 rules, and why comprehensive coverage is essential in SD.
Minnesota requires 30/60/10 liability on all motorcycles, but riders are explicitly excluded from Minnesota's mandatory no-fault PIP system — meaning your own medical bills are not automatically covered. Learn what this means and why UM coverage is more important for MN riders than for car drivers.
Tennessee requires 25/50/15 liability on all registered motorcycles and enforces a universal helmet law for all riders regardless of age. With roughly 20% of TN drivers uninsured, UM coverage is critical for riders.
Montana requires 25/50/20 liability for all drivers and has one of the highest uninsured motorist rates in the country at 13-16%. Learn state minimums, SR-22 rules, and why comprehensive coverage is essential for Montana's wildlife and extreme weather.
Idaho requires 25/50/15 liability for all drivers. Driving uninsured is a misdemeanor. Learn state minimums, SR-22 rules, why comprehensive coverage matters for Idaho's wildlife and remote roads, and how UM/UIM protects you.
Wisconsin requires 25/50/10 liability plus mandatory uninsured motorist coverage on all motorcycle policies — you cannot waive it. Learn state minimums, Wisconsin's unique UM mandate, deer collision risks, and off-season plate surrender rules.
Colorado requires 25/50/15 liability on all registered motorcycles. Riding uninsured is a Class 1 misdemeanor. Learn state minimums, helmet laws, SR-22 rules, and why MedPay matters when PIP doesn't apply to motorcycles.
Delaware requires 25/50/10 liability plus mandatory PIP of $15,000/$30,000 — making it one of the few states where personal injury protection is compulsory for car owners. Learn minimums, penalties, and why the $10,000 property damage limit is dangerously low.
West Virginia requires 25/50/25 liability for all drivers. Driving uninsured is a misdemeanor with fines up to $5,000. Learn state minimums, UM/UIM rules, SR-22 requirements, and why comprehensive coverage matters in WV.
Nebraska requires 25/50/25 liability for all drivers. Driving without insurance is a Class III misdemeanor — a criminal offense. Learn state minimums, electronic verification, rural driving risks, and SR-22 requirements.
Arizona requires 25/50/15 liability on all motorcycles — limits raised in 2020 from the old 15/30/10. Learn state minimums, monsoon riding risks, MVD enforcement, and why year-round riding makes comprehensive coverage essential.
New York requires 25/50/10 liability plus mandatory SUM (uninsured motorist) coverage on all motorcycle policies. Motorcycles are excluded from NY's no-fault PIP system — learn what that means for riders and why NYC coverage costs so much more.
Pennsylvania requires 15/30/5 motorcycle liability, but unlike car drivers, riders are exempt from the no-fault tort election — meaning all PA motorcyclists automatically have full tort rights to sue for pain and suffering.
Illinois requires 25/50/20 liability on all motorcycles plus mandatory uninsured motorist coverage — one of few states that makes UM compulsory for riders. Learn state minimums, Chicago theft risks, and penalties for riding uninsured.
Mississippi requires 25/50/25 liability for all drivers. With roughly 1 in 4 drivers uninsured — one of the highest rates in the US — learn what coverage actually protects you and the penalties for driving without insurance.
Georgia requires 25/50/25 liability on all motorcycles — the same minimums as for cars. Learn state requirements, the GEICS electronic verification system, uninsured motorist rules, and penalties for riding without coverage.
Michigan requires 20/40/10 motorcycle liability, but here's the catch: motorcycles are excluded from Michigan's no-fault PIP system. Learn what coverage riders actually need and how accident claims work differently than for cars.
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.
Kansas requires 25/50/25 liability plus mandatory PIP and uninsured motorist coverage. As a no-fault state, your PIP pays first regardless of fault. Learn Kansas's $2,000 tort threshold and full requirements.
Texas requires 30/60/25 liability on all motorcycles — the same as for cars. Learn state minimums, the Driver Responsibility Program surcharges for uninsured riders, and SR-22 rules.
Arkansas requires 25/50/25 liability coverage for all drivers. Learn state minimums, penalties for uninsured driving, SR-22 rules, and why tornado and wildlife risks make comprehensive coverage essential.
New Mexico requires 25/50/10 liability plus mandatory uninsured motorist coverage. With 21-24% of drivers uninsured, learn what coverage protects you in one of the nation's highest uninsured-driver states.
California requires 30/60/15 motorcycle liability insurance as of January 2025, up from the old 15/30/5. Learn the new minimums, Proposition 213 penalties, and SR-22 rules for riders.
Oklahoma requires 25/50/25 liability coverage for all drivers. Learn state minimums, penalties for driving uninsured, SR-22 requirements, and why Tornado Alley makes comprehensive coverage essential.
Utah requires 25/65/15 liability coverage plus $3,000 PIP for all drivers. Learn state minimums, the uninsured vehicle fee alternative, SR-22 rules, and penalties for driving without insurance.
Florida does not legally require motorcycle insurance, but riders face full financial liability for at-fault accidents. Learn what coverage Florida motorcyclists should carry and when it becomes required.
Many landlords require renters insurance as a lease condition. Learn what coverage is typically required, average costs, and what renters insurance actually covers.
Alabama requires 25/50/25 liability coverage for all drivers. Learn the minimum requirements, penalties for driving uninsured, and whether state minimums are enough.
Connecticut requires 25/50/25 liability coverage for all drivers. Learn the minimum requirements, uninsured motorist rules, and penalties for driving without insurance.
North Dakota requires 25/50/25 liability coverage. Learn the minimum requirements, UM/UIM rules, penalties for driving uninsured, and whether state minimums are adequate.
Hawaii requires 20/40/10 liability plus PIP coverage. Learn the minimum requirements, no-fault rules, and what happens if you drive uninsured in the Aloha State.
Iowa requires 20/40/15 liability coverage for all drivers. Learn the minimum requirements, penalties for driving uninsured, and whether Iowa's minimums provide adequate protection.
Nevada requires 25/50/20 minimum liability coverage. Learn state requirements, DMV verification, penalties for driving uninsured, and recommended coverage levels.
Louisiana requires 15/30/25 minimum liability coverage. Learn state requirements, the No-Pay No-Play law, penalties for driving uninsured, and why minimums may not be enough.
Jet ski insurance requirements vary by state. Learn which states require PWC coverage, registration rules, minimum liability limits, and recommended coverage levels.
Oregon requires 25/50/20 minimum liability plus mandatory PIP and uninsured motorist coverage. Learn state requirements, penalties, and why minimums may not be enough.
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.
South Carolina requires 25/50/25 minimum liability plus mandatory uninsured motorist coverage. Learn state requirements, penalties, and why minimums may not be enough.
Only a few states require ATV insurance. Learn state-by-state requirements, when liability is mandatory, registration rules, and recommended coverage levels.
Missouri requires 25/50/25 minimum liability plus mandatory uninsured motorist coverage. Learn state requirements, financial responsibility law, penalties, and recommended coverage levels.
Massachusetts requires 20/40/5 liability plus mandatory PIP and uninsured motorist coverage. Learn the state's no-fault rules, compulsory insurance law, and why minimums may not be enough.
Kentucky requires 25/50/25 liability plus $10,000 PIP coverage. Learn the state's unique choice no-fault system, tort options, penalties, 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.
Maryland requires 30/60/15 liability plus mandatory uninsured motorist coverage you cannot waive. Learn state requirements, electronic monitoring, and why minimums may not be enough.
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Minnesota requires 30/60/10 liability plus mandatory PIP and uninsured motorist coverage. Learn the state's no-fault rules and why minimums may not be enough.
Tennessee requires 25/50/15 liability plus $10,000 PIP coverage. Learn state requirements, financial responsibility law, penalties, and recommended coverage levels.
Wisconsin requires 25/50/10 minimum liability plus mandatory uninsured motorist coverage. Learn state requirements, penalties, and why minimums may not be enough.
Colorado requires 25/50/15 minimum liability coverage. Learn state requirements, penalties for driving uninsured, SR-22 rules, and recommended coverage levels.
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.
Only Arkansas requires boat insurance statewide. Learn state-by-state requirements, when lenders and marinas require coverage, and what boat owners actually need.
New Jersey requires 15/30/5 liability plus $15,000 PIP and mandatory UM coverage. Learn the state's no-fault rules, Basic vs. Standard policy options, and why minimums aren't enough.
Schengen visas require €30,000 minimum medical coverage valid across all 27 member states. Learn exact requirements, approved providers, and common visa rejection reasons.
Indiana requires 25/50/25 minimum liability coverage. Learn state requirements, BMV verification, penalties for driving uninsured, and recommended coverage levels.
North Carolina requires 30/60/25 liability plus mandatory uninsured motorist coverage you can't reject. Learn state requirements and the strict verification system.
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.
Uber Black requires commercial livery insurance with $1,000,000+ liability. Learn what coverage you need, costs by market, and how to get licensed.
Washington requires 25/50/10 minimum liability coverage. Learn state requirements, electronic verification, penalties for driving uninsured, and recommended coverage levels.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, DOT filings, owner-operator coverage, and how to get authority.
Arizona requires 25/50/15 minimum liability coverage. Learn state requirements, electronic verification, penalties, and recommended coverage levels.
Pennsylvania requires 15/30/5 liability and a choice between full tort and limited tort. Learn how this unique system works and why minimums are dangerously low.
Illinois requires 25/50/20 liability plus mandatory uninsured motorist coverage. Learn state requirements, penalties, and why UM coverage cannot be waived.
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.
Ohio requires 25/50/25 minimum liability coverage. Learn state requirements, FILS verification, penalties for lapses, and recommended coverage levels.
New York requires 25/50/10 liability plus $50,000 PIP and mandatory uninsured motorist coverage. Learn the state's no-fault rules and why minimums may not be enough.
Ohio requires 25/50/25 minimum liability for motorcycles—same as cars. Learn state requirements, SR-22 rules, seasonal coverage options, and recommended limits.
Georgia requires 25/50/25 minimum liability coverage. Learn state requirements, GEICS verification, penalties for lapses, and recommended coverage levels.
Florida requires PIP and property damage liability—but no bodily injury coverage. Learn the state's no-fault rules, FR-44 requirements, and why minimums leave dangerous gaps.
Texas requires 30/60/25 minimum liability coverage. Learn state requirements, penalties for driving uninsured, SR-22 rules, and recommended coverage levels.
California requires 15/30/5 minimum liability coverage. Learn what the state mandates, penalties for driving uninsured, and why minimums may not be enough.
Instacart requires Full-Service Shoppers to carry valid auto insurance. Instacart provides $1M liability during active batches — but your vehicle, your injuries, and gaps between orders are not covered.
Amazon Flex provides $1M liability during active delivery blocks but won't cover your vehicle. Learn when you're actually protected, when you're not, and the cheapest way to close the gap.
Uber Eats covers $1M liability during active deliveries but does NOT include collision coverage — unlike Uber rideshare. Learn exactly what's required, what gaps exist, and the $15-40/month fix.
DoorDash provides $1M liability during active deliveries — but won't cover your vehicle and leaves a dangerous gap when the app is on with no order. Here's what Dashers actually need.
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This collection features 203 carefully researched guides for minimum-coverage 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.