Auto Insurance State Requirements

Alaska is a state with some of the most strict liability insurance laws in the country. The purpose of these laws is to ensure that motorists using the Alaskan roads have enough insurance coverage for injury that might be caused by auto accidents.

Like most other states in the U.S., Arizona uses financial responsibility laws to cover the cost of damages involved in an auto accident.  In most cases, the driver will be asked to present proof of ability to cover the minimum cost of damages caused by the collision.

New motorists sometimes find choosing auto insurance a dizzying experience. And it’s no wonder when you consider the many options, varying state requirements and unique terminology.

California insurance law requires that drivers have sufficent proof of auto insurance if they are driving ANY car whether it be their own or the car of another resident. California residents that own a motor vehicle but don’t actively drive it are still obligated to have auto insurance in the state of California.

Most U.S. states require that drivers maintain certain types of auto insurance coverage by establishing minimum liability limits. Colorado auto insurance law requires limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury.

Connecticut Auto liability insurance protects you from any claims for property damage and/or bodily injury made by others as a result of an accident for which you are at fault. It also offers protection when you’re involved in an accident caused by an uninsured or hit and run driver.

If you plan to drive in Delaware, you need to know what the state required minimums are for one very important reason: It’s illegal to operate a motor vehicle without them. Delaware auto Insurance laws are different

On the crowded roads of Florida, it is important to have the right coverage.  Find out what is required and what additional coverage will best protect you and your family against loss.

The state of Georgia auto insurance laws, follows a Tort system that basically says that someone must be found to be at fault for causing the accident, making the at-fault driver (and their insurance company) responsible for all the damages involved.

Hawaii auto insurance law requires that all vehicles be insured for the entire length of the vehicle registration period and that drivers have a valid Hawaii auto insurance identification card inside the motor vehicle at all times.

To legally operate your motor vehicle in the state of Idaho, drivers must provide valid proof of sufficient financial responsibility in the event of a vehicle accident. In most cases this simply means drivers must maintain continuous liability insurance or pay out-of-pocket.

Illinois' mandatory insurance law is designed to offer some of the best consumer protection in the country. Drivers must always carry a valid Illinois insurance card in the vehicle at all times.

The Indiana official driver's manual explicitly states that driving without sufficient liability insurance on the motor is against Indiana state law.  The operation of a motor vehicle without the rquired insurance coverage is considered a Class A infraction.

Whether you’ve never shopped for auto insurance before or you’ve had coverage for years, the limits, terminology, processes and coverage exclusions are enough to make anyone unsure of what they’re being offered.

Shopping for auto Kansas auto insurance is confusing, a bit intimidating, and time-consuming. And most of us would rather avoid it. But we can’t. I you live in Kansas, you have a little more to understand than motorists in other states.

It is hard to decide what auto insurance coverages are right for you and your family when buying auto insurance in Kentucky. understanding the Kentucky required coverage and most common car insurance is an important first step.

You have enough to think about when you’re moving and you shouldn’t have to know what the auto insurance requirements are in the state you’re moving to. But if you plan on driving in Louisiana, you will need to know.

Everything you need to know in regards to Maine Auto Insurance, including how to find discount insurance rates, state minimums for liability and of course free Main Insurance quotes. 

Get the facts before you buy.  Learn about Maryland's state requirements for liability minimums.  AutoInsurancePlans.com also provides Maryland area information, maps and links.

When it comes to auto insurance, the state of Massachusetts has chosen to follow the “No Fault” system rather than a traditional Tort system. Under a No Fault system, the insurer of the various parties involved in an auto accident pay the bodily injury expenses of the individuals it insures.

Michigan drivers of vehicles, light trucks (non-commercial) and passenger vans, must have no-fault insurance coverage prior ro registering their vehicle. Out of state drivers can not use insurance from other states to meet Michigan insurance requirements.

When it comes to auto insurance, the laws in the state of Minnesota are different than the laws of other states. If you’re shopping for new insurance, or looking for a better-priced policy, make sure you know what Minnesota requires of its residents before you request quotes.

Buying auto insurance in Mississippi doesn’t have to be difficult. In fact, it’ll be a lot easier once you learn what the Magnolia State considers compulsory auto insurance coverage.

Before you shop for Missouri auto insurance quotes, it is extremely important that you know what this state requires. This article is designed to help you do just that.

Like most of the other 50 states, Montana requires owners and operators of vehicles registered in Montana to purchase liability insurance on those vehicles

When it comes to auto insurance, Nebraska state government is just like other state governments: each passes its own rules about the type and amount of auto insurance residents are required to carry. 

Nevada law requires that anyone driving on any of its public roads be financially capable of compensating for any bodily injury and/or property damage that driver causes as a result of a motor vehicle accident.

New Hampshire, the Granite State, truly believes in its motto, “Live free or die.” In other words, it doesn’t like to bog residents down with a lot of regulations. And that’s how it is with auto insurance.

Buying auto insurance in New Jersey can be slightly confusing. It helps  to understand the different types of coverage options and how much protection you need before requesting a New Jersey auto insurance quote.

New Mexico is growing both in terms of its economy and its population. All that growth in people in business is great, but the downside is that more motorists are crowding New Mexico’s public and private roads. To protect yourself, your car and your property, you need auto insurance.

Before you shop for insurance, here’s what’s important to know about New York auto insurance laws.

When it comes to auto insurance coverage in North Carolina, there are only two requirements: Drivers must have Liability and Uninsured/Underinsured Motorist coverage. Take a closer look at both as well as a few optional types of coverage worth considering.

Contrary to what you may think, North Dakota auto insurance requirements are much different than those mandated by the state of South Dakota as well as all other states in the U.S..

If you plan to purchase auto insurance in Ohio, the state has certain requirements that must be met. Even though this state’s requirements are among the lowest, you’ll be driving illegally if you drive without them. This article outlines what’s required for auto insurance and a few optional coverage options.

Oklahoma Auto Insurance information.  For fast answers, about state requirements, read this article where you’ll find an overview of what’s mandated in the state of Oklahoma.

Oregon state law requires drivers to carry a few types of coverage in their auto insurance policies.  Learn exactly what these coverages are before making a decision on which company to purchase your policy.

To drive legally in the Commonwealth of Pennsylvania, drivers must carry certain types of auto insurance coverage at all times. This is required to comply with this state’s Financial Responsibility laws.

If you drive in Rhode Island, the state requires that you have certain types of auto insurance coverage. If you’re caught driving without them, you’ll be subject to penalties.

Auto insurance is something that benefits every South Carolina driver. But in most states, it is not an optional purchase. What confuses many drivers is that auto insurance covers different types of risk depending on the type of coverage you choose.

South Dakota is right below North Dakota and although close and sharing part of the same name, the two states operate differently. One big difference is the way the two states handle auto insurance.

If you plan to shop for new Tennessee auto insurance do some research first. Start by reading this article as it explains in, simple terms, what Tennessee law requires drivers to carry.

Like all of the 50 states, Texas has minimum mandatory auto insurance requirements. Its minimum liability limits are even comparable to that of several states. But when it comes to enforcing state insurance laws, Texas is definitely taking the lead.

Each of the 50 states has its own minimum auto insurance requirements. That can make driving in multiple states and purchasing the right coverage a bit confusing. Do you know what Utah, a “no-fault” state, requires? You will if you take a few minutes to read this.

Vermont has what is called a Maintenance of Financial Responsibility law. The law requires drivers to maintain an acceptable form of financial responsibility in the event they cause an accident. The way most Vermont drivers satisfy this requirement is with auto liability insurance.

Drivers that choose auto insurance must provide proof that the car they register meets Virginia minimum liability limits. Drivers can choose higher liability limits for added protection. However, doing so is considered optional.

In Washington, the insured has to pay the deductible before this insurance takes effect. Also, the insurer will typically not pay to repair the vehicle when repair costs are expected to exceed the car’s value. Instead, the insurer will issue a check to the insured for an amount equal to the vehicle’s blue book value.

In order to complete the West Virginia vehicle registration process, proof of auto insurance is required. West Virginia, like other states, has specific laws regarding mandatory coverage. If you drive but don’t carry state-mandated minimums, you’re breaking the law.

As is the case with most states, Wisconsin has a financial responsibility law. The law is intended to ensure that everyone licensed to operate a motor vehicle in Wisconsin is financially able to cover any damage their operation of a motor vehicle operation may cause.