Insurance requirement guides for state-laws.
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.
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.
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 mandatory PIP and Detroit-area underwriting. Louisiana ranks third despite low minimums — its litigation rate, not its requirements, pushes premiums up.
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.
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.
40+ states have TNC laws setting rideshare insurance minimums. New York City requires $1.5M liability — the highest in the US. Delivery drivers are largely not covered by these laws. Period 1 (app on, no passenger) remains the biggest coverage gap.
Texas, Colorado, and Kansas have no statewide GC license. California requires a Class B exam, a $25,000 bond, and makes unlicensed contracting a misdemeanor. Here's how every state's system compares — and what insurance comes with each.
Most states require workers' comp at 1 employee. Alabama, Mississippi, and Missouri don't require it until 5. Texas is the only state where it's entirely optional — and the only state where non-subscriber employers lose their key legal defenses.
19 states mandate uninsured motorist coverage — you can't legally drive without it. Another 28 require it to be offered but let you reject it in writing. Mississippi has a 29% uninsured driver rate and no UM mandate.
12 states require no-fault PIP coverage — meaning your insurer pays your medical bills first regardless of who caused the accident. Michigan, Florida, and New York are the most complex. Here's how every state compares.
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.
Virginia, Florida, and Massachusetts impose the toughest consequences for uninsured driving — from $5,000 fines to mandatory imprisonment. This ranking compares penalties across all 50 states on fines, suspensions, impoundment, and SR-22 duration.
California, Illinois, and New York offer the strongest insurance protections for rideshare and delivery drivers. This ranking compares TNC law strength, Period 1 minimums, delivery inclusion, and endorsement availability across all states.
Florida, Iowa, and New Jersey require the least from drivers. This ranking compares minimum auto insurance requirements across all states and explains the real-world trade-offs of low mandated minimums.
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.
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.
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.
Workers' comp is required in 49 states. Texas is the only state where it's voluntary. Learn employee thresholds by state, industry rules, penalties for non-compliance, and how premiums are calculated.
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.
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.
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.
Most states don't legally require LLC insurance, but you need it. Learn what general liability and professional liability LLCs should carry, state rules, and industry requirements.
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.
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.
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.
SR-22 is a certificate proving you carry required auto insurance. Learn when it's required, how long you need it, costs, and how to file in your state.
Washington requires 25/50/10 minimum liability coverage. Learn state requirements, electronic verification, penalties for driving uninsured, and recommended coverage levels.
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.
Discover more content by exploring these related tags
This collection features 126 carefully researched guides for state-laws 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.