Minimum car insurance by state

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Uninsured and underinsured motorist coverage (UM/UIM) must be included in the same amounts (50/100/25), unless you reject it in writing.

25/50/15 (policies issued or renewed since July 1, 2020)

Not required.

Not confirmed

Insurers must offer uninsured motorist coverage.

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Uninsured/underinsured motorist coverage is included in your policy unless you reject it in writing.

25/50/25 (or $50,000 single limit)

Required.

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Insurers must include uninsured/hit-and-run coverage for injuries and property damage, at least equal to the minimum liability limits, unless you reject it in writing (18 Del. C. § 3902(a)).

25/50/10 now; rises to 50/100/20 on October 1, 2027 (D.C. Law 26-155)

Uninsured motorist coverage is required: $25,000 per person / $50,000 per accident for injuries and $5,000 for property damage (rising to 50/100/20 on Oct. 1, 2027).

No bodily injury liability required for most drivers; $10,000 PIP + $10,000 property damage liability. After a crash with injuries where you were charged with a moving violation, you must have had 10/20/10 bodily injury and property damage coverage or face suspension (FLHSMV).

Uninsured motorist coverage must be included in any policy with bodily injury liability, at the same limits, unless you reject it or pick lower limits in writing.

Not confirmed

Uninsured motorist coverage is available and protects you if an uninsured driver causes a crash that damages your car or injures you or your passengers; the OCI guide says you can purchase it.

40/80/20 (since January 1, 2026; was 20/40/10) plus $10,000 PIP

Uninsured and underinsured motorist coverage must be offered in your bodily injury limits; you can reject it only in writing.

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Uninsured and underinsured motorist coverage for injuries must be included in every policy at least at 25/50, unless you reject it in writing (or by electronic record).

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Uninsured motorist bodily injury coverage of at least $25,000/$50,000 is required.

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Every policy must include uninsured and underinsured motorist coverage, at least equal to your bodily injury liability limits, unless you reject it in writing (IC 27-7-5-2).

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Every auto liability policy must include uninsured, hit-and-run and underinsured motorist coverage, at least at the minimum limits, unless you reject it in writing on a separate sheet.

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Required.

25/50/25 (or a $60,000 single limit) plus $10,000 basic reparation benefits (PIP)

Uninsured motorist coverage must be included unless you reject it in writing.

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Uninsured/underinsured motorist coverage must be included at your bodily injury liability limits, unless you reject it, choose lower limits, or choose economic-only coverage on the state form.

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Uninsured/underinsured motorist coverage is required, at least $50,000/$100,000; on private passenger policies it must equal your bodily injury liability limits unless you reject that in writing on the insurer's form (24-A M.R.S. § 2902; Bureau of Insurance guide).

Not confirmed

Required.

25/50/30 (policies written or renewed on or after July 1, 2025; previously 20/40/5), plus $8,000 PIP

Required: bodily injury caused by an uninsured auto, at least $25,000 per person / $50,000 per accident.

250/500/10 by default; you may choose lower bodily injury limits of 50/100 on a signed form (MCL 500.3009). Plus PIP and $1 million PPI.

Not required.

30/60/10 plus $40,000 PIP

Required: uninsured motorist and underinsured motorist coverage of at least 25/50 each.

Not confirmed

Uninsured/underinsured motorist coverage lets you claim through your own insurer if an uninsured driver hits you; the Insurance Department describes it as coverage you can purchase.

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Uninsured motorist coverage of at least $25,000/$50,000 must be included in every policy (RSMo § 379.203).

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Uninsured motorist coverage must be included in the policy unless you reject it (Montana CSI says you must sign a form to reject it).

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Required: uninsured and underinsured motorist coverage of at least $25,000 per person / $50,000 per accident must be included in every policy.

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Insurers must offer uninsured/underinsured motorist coverage equal to your bodily injury limits, on a form approved by the Commissioner.

New Hampshire
New Hampshire motor vehicle agency

35/70/25 (Standard Policy, for policies issued or renewed on or after Jan. 1, 2026; it was 25/50/25 from 2023 to 2025)

A Standard Policy must include a minimum amount of uninsured/underinsured motorist coverage; you can buy more, up to your liability limits.

Not confirmed

Every policy must include uninsured motorist coverage (which includes underinsured coverage) for bodily injury and property damage, at least the minimum limits, unless the named insured rejects it; the property damage part may have up to a $250 deductible (NMSA § 66-5-301, current text as quoted in 2025 SB 319, which died).

25/50/10 ($50,000/$100,000 if the injury causes death)

Uninsured motorist coverage is required in every policy (protects you and your passengers if hit by an uninsured or hit-and-run driver).

50/100/50 (policies issued or renewed on or after July 1, 2025; previously 30/60/25)

Required: uninsured motorist coverage (bodily injury and property damage).

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Required.

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Optional.

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Uninsured motorist coverage for injuries must be included in every policy at least at 25/50, unless you reject it in writing.

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Uninsured motorist coverage is required, and it must match your bodily injury liability limits unless you choose lower limits in writing (never below the minimums).

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Not required.

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Uninsured motorist coverage for injuries must be included at the same limits as your bodily injury liability.

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Uninsured motorist coverage is required at 25/50/25, including $25,000 for damage to your own property (usually with a $200 deductible).

Not confirmed

Required: uninsured (including hit-and-run) and underinsured motorist coverage equal to your bodily injury limits, up to 100/300 unless you buy more.

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Insurers must offer uninsured/underinsured motorist coverage (injury and property damage) at least at the minimum limits; it is included unless you reject it in writing (Tex. Ins. Code § 1952.101).

30/65/25 (policies issued or renewed since Jan. 1, 2025; or a $90,000 single limit)

Uninsured motorist coverage is included in every policy, equal to the lower of your liability limits or the highest uninsured motorist limits your insurer offers, unless you sign a form rejecting it or choosing lower limits (Utah Code § 31A-22-305(4)).

Not confirmed

Required: uninsured/underinsured/hit-and-run motorist coverage of at least $50,000 per person / $100,000 per accident for injuries, plus up to $10,000 for property damage (with a $150 deductible in some cases).

50/100/25 (policies effective on or after January 1, 2025; 30/60/20 before that)

Required.

Not confirmed

Underinsured motorist coverage (it also covers uninsured, hit-and-run and phantom vehicles) must be included for injuries at the same amount as your liability limits, and for damage to your car, unless you or your spouse reject it in writing (RCW 48.22.030).

Not confirmed

Uninsured motorist coverage is required in every policy, at least 25/50/25 (insurers may exclude the first $300 of property damage).

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Uninsured motorist coverage of $25,000/$50,000 (bodily injury only) is required.

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Uninsured motorist coverage must be included in the policy unless you reject it.