Free Reference Guide — YellowBus
State-by-State Insurance
Requirements Guide
Auto, home, health, and life insurance minimum requirements for all 50 states. Updated regularly from state DMV and DOI sources.
Auto liability format:
Bodily Injury / Property Damage (in thousands).
Example: 25/50/25 = $25,000 per person / $50,000 per accident / $25,000 property damage.
State minimums shown are for standard passenger vehicles — commercial vehicles have different requirements.
| State | Auto (BI/PD) | Homeowners | Health Exchange | Life |
|---|---|---|---|---|
| Alabama → | 12/25/10 | $25,000 | Individual mandate (federal) | No state mandate |
| Alaska → | 50/100/25 | $50,000 | State-based exchange | No state mandate |
| Arizona → | 15/30/10 | $25,000 | Special enrollment available | No state mandate |
| Arkansas → | 25/50/25 | $25,000 | Medicaid expansion state | No state mandate |
| California → | 15/30/5 | $20,000 | Covered California marketplace | No state mandate |
| Colorado → | 25/50/15 | $25,000 | Connect for Health Colorado | No state mandate |
| Connecticut → | 25/50/25 | $20,000 | Access Health CT | No state mandate |
| Delaware → | 15/30/10 | $15,000 | State marketplace | No state mandate |
| Florida → | 12/10/5 | N/A for condos/renters | Federal exchange only | No state mandate |
| Georgia → | 25/50/25 | $25,000 | Shoppe/HealthCare.gov | No state mandate |
| Hawaii → | 20/40/10 | $20,000 | State mandate with coverage | No state mandate |
| Idaho → | 25/50/25 | $25,000 | Your Health Idaho | No state mandate |
| Illinois → | 20/40/15 | $25,000 | Get Covered Illinois | No state mandate |
| Indiana → | 25/50/25 | $25,000 | Federal marketplace | No state mandate |
| Iowa → | 20/40/20 | $25,000 | State-based exchange | No state mandate |
| Kansas → | 25/50/25 | $25,000 | HealthCare.gov | No state mandate |
| Kentucky → | 25/50/25 | $25,000 | Kynect (state exchange) | No state mandate |
| Louisiana → | 15/30/25 | $25,000 | Federal marketplace | No state mandate |
| Maine → | 50/100/25 | $25,000 | CoverME.gov | No state mandate |
| Maryland → | 30/60/15 | $20,000 | Maryland Health Connection | No state mandate |
| Massachusetts → | 20/40/20 | $20,000 | State mandate (penalty applies) | No state mandate |
| Michigan → | 20/40/20 | $25,000 | State-based exchange | No state mandate |
| Minnesota → | 30/60/10 | $100,000 | MNsure | No state mandate |
| Mississippi → | 25/50/25 | $25,000 | Federal exchange only | No state mandate |
| Missouri → | 25/50/25 | $25,000 | HealthCare.gov | No state mandate |
| Montana → | 25/50/20 | $25,000 | Federal marketplace | No state mandate |
| Nebraska → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
| Nevada → | 25/50/20 | $25,000 | Nevada Health Link | No state mandate |
| New Hampshire → | 25/50/25 | $25,000 | HealthCare.gov | No state mandate |
| New Jersey → | 15/30/5 | $15,000 | Get Covered NJ | No state mandate |
| New Mexico → | 25/50/10 | $25,000 | BeWellnm | No state mandate |
| New York → | 25/50/10 | $100,000 | NY State of Health | No state mandate |
| North Carolina → | 30/60/25 | $30,000 | HealthCare.gov | No state mandate |
| North Dakota → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
| Ohio → | 25/50/25 | $25,000 | Federal marketplace | No state mandate |
| Oklahoma → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
| Oregon → | 25/50/20 | $25,000 | Oregon Health Insurance Marketplace | No state mandate |
| Pennsylvania → | 15/30/5 | $15,000 | Pennie | No state mandate |
| Rhode Island → | 25/50/25 | $20,000 | State marketplace | No state mandate |
| South Carolina → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
| South Dakota → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
| Tennessee → | 25/50/15 | $25,000 | HealthCare.gov | No state mandate |
| Texas → | 30/60/25 | $25,000 | HealthCare.gov | No state mandate |
| Utah → | 25/65/25 | $25,000 | Take Care Utah | No state mandate |
| Vermont → | 25/50/10 | $25,000 | Vermont Health Connect | No state mandate |
| Virginia → | 30/60/20 | $25,000 | State-based exchange | No state mandate |
| Washington → | 25/50/10 | $25,000 | Washington Healthplanfinder | No state mandate |
| West Virginia → | 20/40/15 | $25,000 | Federal marketplace | No state mandate |
| Wisconsin → | 10/20/5 | $50,000 | HealthCare.gov | No state mandate |
| Wyoming → | 25/50/25 | $25,000 | Federal exchange | No state mandate |
Disclaimer: This guide is for informational purposes only and reflects commonly cited minimum requirements as of the last update. Actual costs, coverage options, and eligibility vary by carrier, driver profile, credit score, and other factors. Minimum coverage may not be sufficient for your situation — consult a licensed insurance agent for personalized recommendations. YellowBus is not an insurance carrier and does not provide coverage.
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