Compare Auto Insurance Quotes by State
Auto insurance requirements, coverage options, and driving conditions vary from one state to another. Explore the state guides below to review minimum insurance requirements, commonly considered coverage options, and important factors that may affect drivers where they live.
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Browse Auto Insurance Guides by State
Select a state to learn about its minimum auto insurance requirements, coverage considerations, driving conditions, and ways to compare quote options by phone.
Alabama Auto Insurance
Minimum liability limits: 25/50/25
Alabama generally requires motorists to maintain liability coverage with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people, and $25,000 for property damage. Explore Alabama coverage considerations, driving risks, and quote information.
Arizona Auto Insurance
Minimum liability limits: 25/50/15
Arizona generally requires motorists to maintain liability coverage with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people, and $15,000 for property damage. Explore Arizona coverage options, driving conditions, glass protection, and quote information.
Kansas Auto Insurance
Minimum liability limits: 25/50/25
Kansas generally requires 25/50/25 liability coverage along with personal injury protection and uninsured or underinsured motorist coverage. Explore Kansas insurance requirements, no-fault coverage considerations, weather-related driving risks, and quote information.
Kentucky Auto Insurance
Minimum liability limits: 25/50/25
Kentucky generally requires motorists to maintain 25/50/25 liability coverage. Personal injury protection and choice no-fault provisions may also apply. Explore Kentucky insurance requirements, coverage options, driving risks, and quote information.
Connecticut Auto Insurance
Minimum liability limits: 25/50/25
Connecticut generally requires 25/50/25 liability coverage along with 25/50 uninsured and underinsured motorist coverage. Explore Connecticut insurance requirements, optional protection, driving conditions, and information for comparing quote options by phone.
Indiana Auto Insurance
Minimum liability limits: 25/50/25
Indiana generally requires 25/50/25 liability coverage. Newly written policies must also include uninsured and underinsured motorist coverage unless it is rejected in writing. Explore Indiana coverage options, driving risks, and quote information.
Michigan Auto Insurance
Lowest selectable liability limits: 50/100/10
Michigan uses a no-fault insurance system requiring PIP, PPI, and residual liability coverage. Default bodily injury limits are 250/500, although lower limits may be selected. Explore Michigan coverage choices, driving risks, and quote information.
Washington Auto Insurance
Minimum liability limits: 25/50/10
Washington generally requires 25/50/10 liability coverage. Insurers must offer PIP and underinsured motorist protection, which may be rejected in writing. Explore Washington coverage options, regional driving risks, and information for comparing quotes by phone.
State Auto Insurance Requirements at a Glance
The table below provides a basic comparison of the minimum liability limits discussed in the currently available state guides.
| State | Bodily Injury Per Person | Bodily Injury Per Accident | Property Damage | Additional Note |
| Alabama | $25,000 | $50,000 | $25,000 | Minimum liability coverage |
| Arizona | $25,000 | $50,000 | $15,000 | Minimum liability coverage |
| Kansas | $25,000 | $50,000 | $25,000 | PIP and UM/UIM requirements also apply |
| Kentucky | $25,000 | $50,000 | $25,000 | $10,000 PIP and choice no-fault provisions may apply |
| Connecticut | $25,000 | $50,000 | $25,000 | 25/50 UM/UIM coverage also required |
| Indiana | $25,000 | $50,000 | $25,000 | UM/UIM included unless rejected in writing |
| Michigan | $50,000 | $100,000 | $10,000 | Lowest selectable BI limits; default is 250/500. PIP and PPI also required |
| Washington | $25,000 | $50,000 | $10,000 | PIP and UIM offered unless rejected in writing |
Information last reviewed: August 2026. Insurance laws and requirements can change. Review each state guide and its linked official sources for additional details. Minimum coverage may not provide enough protection for every driver or vehicle.
How to Use These State Insurance Guides
Use each state guide to understand the basic requirements where you live, consider coverage beyond the minimum, and prepare for a conversation with a licensed insurance professional.
Review State-Specific Requirements
Begin by understanding the liability limits and any additional coverage your state requires. Each state guide explains the basic requirements in plain language and links to official sources for further review.
Consider Protection Beyond the Minimum
State minimums are only a starting point. Depending on your vehicle, budget, lender, driving habits, and financial situation, you may also want to consider higher liability limits, collision, comprehensive, medical, rental, roadside, or uninsured motorist protection.
Speak With a Licensed Professional
A licensed insurance professional can discuss your vehicle, location, driving history, desired protection, and available quote options. Final prices and eligibility depend on the information provided and the insurance companies available to the agent.
Frequently Asked Questions About State Auto Insurance
Review answers to common questions about state insurance requirements, minimum coverage, moving, and comparing quotes.
For more general information about the quote process, visit our Auto Insurance Quote FAQs.
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