Almost every state requires drivers to carry liability insurance, usually written as three numbers like 25/50/25 (NerdWallet, 2026). New Hampshire is the only state without a blanket requirement. Several states raised their minimums for 2026, so your old coverage may no longer be enough.
Key Takeaways
- Minimum liability is written as three numbers: injury per person / per accident / property damage.
- The most common minimum is 25/50/25, but limits vary widely by state.
- California raised its minimum to 30/60/15 in 2026 — its first increase since 1967.
- Minimum coverage often isn’t enough to cover a serious accident.
What Do the Three Numbers Mean?
State minimums are written as three numbers, for example 25/50/25. This means your insurance pays up to $25,000 per injured person, $50,000 total per accident, and $25,000 for property damage. The first two cover the other person’s injuries; the third covers their vehicle and property.
How Much Coverage Does Each State Require?
Requirements vary widely. The most common minimum is 25/50/25, but some states differ significantly (MoneyGeek, 2026). Alaska, Maine, and North Carolina sit higher at 50/100/25, while Florida uses a unique $10,000 PIP + $10,000 property damage structure with no required bodily injury coverage.
What Changed for 2026?
Seven states raised their minimums for 2025–2026 — more changes than in the prior decade combined (MoneyGeek, 2026). Key updates:
- California: raised to 30/60/15 (first increase since 1967)
- New Jersey: raised to 35/70/25 on Jan. 1, 2026
- Massachusetts: raised to 25/50/30
- Hawaii: raised to 40/80/20
Is the State Minimum Enough?
Often not. State minimums can be far lower than the real cost of a serious crash, and liability coverage doesn’t pay for damage to your own car. A common recommendation is to carry enough liability insurance to cover your net worth, so a lawsuit can’t reach your savings or home.
Hit by a driver with only minimum coverage? A free attorney review can explain your options.
Frequently Asked Questions
Which state doesn’t require car insurance?
New Hampshire is the only state without a blanket insurance requirement, but drivers must still prove financial responsibility and remain personally liable for any damage they cause. Most drivers there still buy insurance to protect themselves.
What does 25/50/25 mean?
It’s the standard way to write coverage limits: $25,000 for injury to one person, $50,000 total per accident, and $25,000 for property damage. It’s the most common state minimum, though many experts recommend buying more.
Did car insurance minimums change in 2026?
Yes. Several states raised minimums for 2026, including New Jersey (35/70/25) and California (30/60/15). Check your renewal documents to confirm your policy still meets your state’s current requirement.
Conclusion
Car insurance minimums protect other people, not your own car, and they vary widely by state. With several 2026 increases now in effect, confirm your coverage meets your state’s current rule — and consider buying more than the minimum to truly protect your finances.
Related Guides
- No-Fault vs At-Fault States: How Car Accident Claims Differ
- Hit by an Uninsured Driver: What to Do and How to Get Paid
- What Is Comparative Fault in a Car Accident?
Disclaimer: This article is for general informational purposes only and is not legal or insurance advice. Requirements vary by state and change over time. Confirm current rules with your state’s Department of Insurance.