Insurance requirement guides for Minimum Coverage.
Kenya requires most visitors to hold cover meeting a US$50,000 schedule. The High Court upheld the scheme on 5 October and said foreign policies can qualify.
Florida's legal minimum has no bodily injury liability, yet leases ask for $100K/$300K/$50K. A Florida statute protects the leasing company only at those limits.
Spark needs only state-minimum auto insurance in your name, and outside California Walmart's terms give no auto liability while you deliver. Why uploads get rejected.
Zanzibar's USD 44 inbound insurance has been mandatory since 2024; mainland Tanzania added its own on 1 October 2026. Which one you buy depends on where you first arrive.
Relay carriers need $1M auto, $100K cargo, $1M/$2M general liability and 180 days of authority. Federal law asks for $750K and no cargo. US, Canada and UK 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.
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.
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.
Most US visitors to Spain travel visa-free with no legal insurance mandate — only Schengen visa applicants do. The EU rule 2026 headlines got wrong.
Roadie requires only state-minimum personal auto liability and, unlike DoorDash or Grubhub, provides no supplemental company liability policy during gigs at all.
Japan has no blanket entry insurance mandate, but Working Holiday visas commonly require proof of coverage, and a 2026 rule can bar re-entry over unpaid medical debt.
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.
Shipt requires only state-minimum personal auto liability and provides no primary liability coverage of its own — a gap most Shoppers do not realize until a claim is denied.
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.
Most states don't license doulas at all, but 26 states plus D.C. now require $1M/$3M liability insurance to enroll as a Medicaid-reimbursed doula provider.
The Dominican Republic's official entry rules require a passport, a return ticket, and proof of funds — not travel insurance, despite what some booking sites claim.
Argentina's law now requires visitors to declare health insurance, but the declaration is enforceable only once regulated. Public hospitals already charge uninsured non-residents.
New Jersey requires a $1.5 million combined single limit for New Jersey-based intrastate trucks of 26,001 lbs and over, and for autocabs — double the federal $750,000 floor. A $300,000 tier covers medium trucks.
Mainland Ecuador repealed its tourist insurance requirement in August 2018, but Galápagos province still legally requires it under Article 49 of LOREG — even though it's rarely checked at entry. See the coverage recommended for evacuation-scale medical costs.
New Zealand doesn't require travel insurance for tourist entry, and the NZeTA doesn't check for it — but its ACC scheme covers only accidental injury, not illness, evacuation, or repatriation, and the U.S. has no reciprocal healthcare agreement with New Zealand.
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.
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.
Thailand requires no travel insurance for tourist entry, but the O-A and O-X long-stay visas require health cover of at least THB 3,000,000 (USD 100,000) per policy year for the whole stay.
New Mexico has no state boat insurance mandate, but marinas at Elephant Butte Lake and Navajo Lake commonly require liability cover in the slip agreement. Nearly all of the state's boating water is a federal reservoir, not a natural lake.
Idaho has no state boat insurance mandate, but marinas on Lake Pend Oreille, Dworshak and Lucky Peak commonly require liability cover in the slip agreement. BUI is set at 0.08% BAC under Idaho Code 67-7034.
Delaware has no state boat insurance mandate, and neither does neighbouring New Jersey. The slip agreement is what binds you: marinas, including state-run ones, set their own liability requirement.
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 on every vehicle using federal roads, and U.S. and Canadian policies are not sufficient. Travel health insurance is not required to enter, and Original Medicare pays for care in Mexico only in narrow exceptions.
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 boat insurance mandate; marinas set their own slip limits. BUI under K.S.A. 32-1131 is .08 BAC (.02 under 21), and boater education applies to anyone born on or after 1 January 1989 until age 21.
Oklahoma has no state boat insurance mandate, but marinas on its 24 Corps of Engineers reservoirs — including Lake Eufaula and Lake Texoma — commonly require liability cover, at a limit each concession marina sets.
Wyoming has no state boat insurance mandate, but NPS marina facilities at Jackson Lake and marinas at Glendo and Boysen reservoirs commonly require liability cover. 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 marinas at Lewis and Clark Lake and lenders on Lake McConaughy commonly require liability cover. Neb. Rev. Stat. § 37-1254.05 sets the 0.08 BAC threshold for BWI statewide.
Arkansas requires $50,000 of liability per occurrence on every motorboat over 50 hp and every personal watercraft (Ark. Code § 27-101-207). Marinas on Lake Ouachita and Greers Ferry add their own terms.
Vermont has no state boat insurance mandate, but marina slip agreements on Lake Champlain and Vermont's inland lakes commonly require liability cover. 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 marinas on all four Missouri River reservoirs commonly require liability cover. 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 commonly require liability cover. 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 commonly require liability cover. 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 commonly require liability cover. 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 commonly require liability cover.
North Dakota has no state boat insurance mandate, but marinas on Lake Sakakawea and managed facilities on Devils Lake commonly require liability cover. Zebra mussel decontamination is mandatory when leaving Sakakawea.
Hawaii has no state boat insurance mandate, but a DOBOR mooring permit requires at least $500,000 boat liability naming the State, plus salvage, dock damage, pollution and wreck-removal cover. 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 commonly require liability cover, and commercial barge traffic on the Ohio creates significant collision exposure.
Utah requires owners of motorboats over 50 hp and of every personal watercraft to carry 25/50/15 or $65,000 combined (Utah Code § 73-18c-301). Lake Powell and Flaming Gorge marinas add their own terms.
Rhode Island has no state boat insurance mandate, but marina slip agreements throughout Narragansett Bay, Newport Harbor and Block Island commonly require liability cover, at a limit each marina sets.
Connecticut has no state boat insurance mandate, but marina slip agreements throughout Long Island Sound and the Connecticut River commonly require liability cover.
Massachusetts has no state boat insurance mandate, but marina agreements in Boston Harbor, Cape Cod Bay, and Nantucket Sound commonly require liability cover.
Oregon has no state boat insurance mandate, but Columbia River and Willamette River marina agreements commonly require liability cover, 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 commonly require liability cover.
Nevada has no state boat insurance mandate, but concessionaire-run marinas at Lake Mead and Lake Mojave commonly require liability cover.
Maine has no state boat insurance mandate, but marina agreements on Casco Bay and Penobscot Bay commonly require liability cover for slip holders, at a limit each marina sets.
Alaska has no state boat insurance mandate; harbors at Homer, Seward and Valdez set their own moorage terms, which may require liability cover. Cold water and remote Gulf operations make adequate towing coverage essential.
Colorado has no state boat insurance mandate, but marina slip agreements at Lake Granby, Dillon Reservoir, and Pueblo Reservoir commonly require liability cover. 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 commonly require liability cover. 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 commonly require liability cover. 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 commonly require liability cover 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 commonly require liability cover, at a limit each marina sets. Lake Monroe and Geist Reservoir marina agreements impose the same requirement through standard slip language.
Tennessee has no boat insurance mandate and does not title boats; marinas on TVA and Corps lakes set their own slip limits. A first BUI carries at least 48 hours in jail, and Kentucky Lake runs 184 miles.
Virginia has no boat insurance mandate; marinas set their own slip limits. Boater education applies to every operator of a 10 hp+ motorboat or PWC, and a BUI brings a court-ordered ban on operating a boat.
Louisiana has no state boat insurance mandate, but Gulf Coast and Lake Pontchartrain marinas commonly require liability cover as a slip condition. Hurricane deductibles — often percentage-based, not flat — are a Louisiana-specific risk most boaters underestimate.
Wisconsin has no boat insurance mandate; marinas set their own slip limits. The DNR registers every motorized boat and sailboats over 12 feet, boater education applies if born on or after 1 January 1989, and a first BUI is a $150–$300 forfeiture.
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 — commonly require liability cover. Table Rock Lake marinas have similar requirements.
Maryland has no state boat insurance mandate, but Chesapeake Bay marinas in Annapolis and along the Bay commonly require liability cover. 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 commonly require liability cover 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 commonly require liability cover 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 lakefront harbors require mooring permittees to carry at least $300,000 liability per occurrence. 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 commonly require liability cover. Lake Superior access requires specific policy confirmation.
Washington has no state boat insurance mandate, but Puget Sound marinas commonly require liability cover in the slip agreement. 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 commonly require liability cover. 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 — commonly require liability cover. 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 liability cover, at a limit each marina sets. 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 inland lakes commonly require liability cover, at a limit each marina sets. 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.
One change on 1 July 2025 took Massachusetts riders from the lowest property-damage floor in New England to the highest — $5,000 to $30,000 — while PIP still does not apply to them.
New York has no state law requiring boat insurance, but marina contracts require liability cover and NYC Parks sets insurance terms for commercial vessel permits. Learn what NY boaters actually need.
California has no statewide boat insurance mandate, but most marina slip agreements require liability cover, at a limit each marina sets. Here's what CA boat owners need to know about the Boater Card, BUI and lenders.
FMCSA requires financial responsibility from $300,000 for for-hire fleets of small vehicles to $5,000,000 for the riskiest hazmat loads — and a for-hire carrier cannot operate without an accepted BMC-91 filing.
Texas law does not require boat insurance, but most marina slip agreements commonly require liability cover and virtually all marine lenders require hull coverage. Here's what Texas boat owners 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.
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.
Texas sets the requirement by the type of tow, not the truck — $500,000 for an incident management tow, $300,000 for a consent tow, which specifies no on-hook cover at all.
Florida has no state law requiring boat insurance, but marinas commonly require liability cover 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. Fannie Mae calls for replacement-cost coverage with a deductible of no more than 5%.
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 at least $750,000 auto liability under FMCSA rules ($300,000 for a fleet of only small vehicles), plus cargo security. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
Florida, Pennsylvania, and Iowa now require the least from drivers — New Jersey left the group on 1 January 2026, except on the one policy tier excluded from its increase.
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.
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 and UM coverage unless rejected in writing; helmets are required only under 18. With a ~21-24% uninsured driver rate and open-range livestock hazards, coverage gaps are costly.
Arkansas requires 25/50/25 minimum motorcycle liability. Helmets are required for riders under 21, and eye protection for everyone. With a ~16-19% uninsured driver rate and the famous Pig Trail through the Ozarks, adequate coverage matters.
Rhode Island requires 25/50/25 minimum liability and mandatory uninsured motorist coverage. Helmets are required for operators under 21, new riders in their first year, and passengers. With a 15-17% uninsured driver rate, UM protection matters 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 liability and $15,000/$30,000 PIP on motorcycles; owners may exclude only off-highway and no-contact injuries. UM/UIM is included unless rejected in writing, and helmets are required up to age 19.
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 from ride acceptance through drop-off 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, includes UM/UIM unless you reject it in writing, and requires helmets only for riders under 18. 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's motorcycle minimum rose to 30/65/25 in 2025 while the $65,000 aggregate stood still. Riders are excluded from no-fault PIP, and Utah legalised lane filtering first.
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. Helmets are required only for riders under 18. Comprehensive coverage matters in Tornado Alley, where hail and storm damage are routine events.
When Hawaii doubled its car minimum to 40/80/20 in 2026, motorcycles stayed at 20/40/10 — a separate statute the Act never touched. Riders are excluded from PIP too.
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. Helmets are required under 21 and in the first year of licensure.
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 uninsured and underinsured motorist coverage. It has had no PIP for any vehicle since repealing no-fault in 1994, and helmets are required only under 18.
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 riders moved to 50/100/50 on 1 July 2025 alongside drivers, and because UM must match liability, their uninsured-motorist protection doubled automatically.
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, but the rule that puts uninsured motorist cover on car policies does not reach motorcycles — riders have to ask for it. Helmets are required for every rider and passenger.
Virginia requires 50/100/25 motorcycle liability since January 2025, and eliminated its $500 uninsured vehicle fee in July 2024 — making insurance genuinely mandatory for every VA rider.
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.
Motorcycles were swept into New Jersey's 35/70/25 liability increase because the statute covers every motor vehicle — yet riders are still shut out of the no-fault PIP system that cars get.
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 raised motorcycle property-damage liability to $25,000 in 2023 under the same law that covers cars, and enforces a universal helmet law for riders of every age.
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 $75 infraction the first time and a misdemeanor for a second within five years. Learn state minimums, SR-22 rules, and how UM/UIM protects you on Idaho's wildlife-heavy remote roads.
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 on motorcycles and mopeds alike. Riders keep full tort rights even on a limited-tort car policy, and a lapse suspends the registration for 3 months.
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 motorcycle liability must meet the same MCL 500.3009(1) limits as cars ($250,000/$500,000 bodily injury and $10,000 property damage), not the old 20/40/10. Motorcycles are still excluded from no-fault PIP. See what riders actually need.
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, and uninsured motorist coverage is included unless you reject it in writing. 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 moved to 30/65/25 on 1 January 2025, but left the unusual $65,000 per-accident figure exactly where it was — only the per-person and property-damage limits rose.
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.
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 doubled every liability minimum at once on 1 January 2026, from 20/40/10 to 40/80/20 — the first change in about 25 years. PIP did not move, and nor did motorcycles.
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.
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.
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 liability plus uninsured motorist coverage at 25/50/25 on every policy; underinsured cover is optional. Learn the penalties, the lapse fees, 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 raised its minimums on 1 July 2025 for the first time since 1988. Property damage went from $5,000 to $30,000 — a sixfold jump — while PIP did not move at all.
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's property-damage minimum rose to $25,000 in 2023, and contrary to a widely repeated claim the state requires no PIP at all — nothing covers your own injuries.
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.
FMCSA requires $750,000 for for-hire general freight, $1 million for oil and most hazmat, and $5 million for the highest-risk loads and large buses. Learn how the MCS-90 endorsement and the BMC-91 filing work, who is exempt, and the penalties.
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.
New Jersey's Standard policy floor rose to 35/70/25 for policies issued or renewed on or after 1 January 2026 — the second of two increases. The Basic policy was left out of both.
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 jumped to 50/100/50 on 1 July 2025 and is now the only state requiring $50,000 in property damage — plus uninsured motorist cover you cannot reject.
Virginia raised its minimum to 50/100/25 on 1 January 2025, and the $500 UMV fee that once let drivers register a vehicle uninsured was eliminated on 1 July 2024. There is no longer a legal way to drive uninsured.
Uber Black drivers must carry their own commercial insurance. Uber's rideshare insurance does not apply to commercially licensed drivers, and Uber never covers damage to their cars.
Washington requires 25/50/10 liability, and UIM is included unless you reject it in writing. Driving uninsured can cost $550 or more, and an uninsured crash can suspend your license for 3 years.
Interstate for-hire freight needs $750,000 federally. A truck that never leaves its state follows that state's rule instead: $50,000 in Florida, $500,000 in Texas, $1,500,000 in New Jersey.
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 on motorcycles but not on true mopeds. A first lapse means a suspension and a $40 fee, and the BMV can excuse a lapse outside your riding season.
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.
Car couriers must carry their own state-minimum insurance. Uber's delivery policy covers others up to $500,000, half its rideshare limit, and never pays for your car or your injuries.
Car Dashers must carry their own state-minimum insurance. DoorDash covers others up to $1M only from order accepted to drop-off in most states, $250,000 in Kentucky, and never your car.
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This collection features 225 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.
