Car insurance
Comparing car insurance? Start with your state's official regulator.
DMV.ai does not sell insurance, provide quotes, or earn money from insurers. Every state has an official insurance department that licenses insurers, handles complaints, and — in many states — publishes free rate-comparison tools. Those official links are below.
New to car insurance? Read plain-language answers on coverage, rates, discounts, and claims
Curious what drivers pay? Compare average costs by state
What these links are
The official insurance regulator for each state and DC. Many publish sample premium comparisons, complaint records, and guides to required coverage.
What DMV.ai does not do
We don't sell policies, show insurer ads, or claim you'll save money. If a comparison tool ever launches here, it will be labeled clearly — today it does not exist.
Nationwide help
The National Association of Insurance Commissioners offers consumer guides for every state. Open NAIC consumer resources
51 states · Links last checked October 2, 2026
- AlabamaAlabama Department of InsuranceMinimum required: 25/50/25 liability
- AlaskaAlaska Division of InsuranceMinimum required: 50/100/25 liability
- ArizonaArizona Department of Insurance and Financial InstitutionsMinimum required: 25/50/15 liability
- ArkansasArkansas Insurance DepartmentMinimum required: not stated yet
- CaliforniaCalifornia Department of InsuranceMinimum required: 30/60/15 liability
- ColoradoColorado Division of InsuranceMinimum required: 25/50/15 liability
- ConnecticutConnecticut Insurance DepartmentMinimum required: 25/50/25 liability
- DelawareDelaware Department of InsuranceMinimum required: 25/50/10 liability
- District of ColumbiaDC Department of Insurance, Securities and BankingMinimum required: 25/50/10 liability
- FloridaFlorida Office of Insurance RegulationMinimum required: $10,000 PIP + $10,000 property damage liability
- GeorgiaGeorgia Office of Commissioner of Insurance and Safety FireMinimum required: 25/50/25 liability
- HawaiiHawaii Insurance DivisionMinimum required: 40/80/20 liability
- IdahoIdaho Department of InsuranceMinimum required: not stated yet
- IllinoisIllinois Department of InsuranceMinimum required: 25/50/20 liability
- IndianaIndiana Department of InsuranceMinimum required: 25/50/25 liability
- IowaIowa Insurance DivisionMinimum required: 20/40/15 liability
- KansasKansas Insurance DepartmentMinimum required: 25/50/25 liability
- KentuckyKentucky Department of InsuranceMinimum required: 25/50/25 liability
- LouisianaLouisiana Department of InsuranceMinimum required: 15/30/25 liability
- MaineMaine Bureau of InsuranceMinimum required: 50/100/25 liability
- MarylandMaryland Insurance AdministrationMinimum required: 30/60/15 liability
- MassachusettsMassachusetts Division of InsuranceMinimum required: not stated yet
- MichiganMichigan Department of Insurance and Financial ServicesMinimum required: see state facts
- MinnesotaMinnesota Department of Commerce — InsuranceMinimum required: not stated yet
- MississippiMississippi Insurance DepartmentMinimum required: 25/50/25 liability
- MissouriMissouri Department of Commerce and InsuranceMinimum required: 25/50/25 liability
- MontanaMontana Commissioner of Securities and InsuranceMinimum required: 25/50/20 liability
- NebraskaNebraska Department of InsuranceMinimum required: 25/50/25 liability
- NevadaNevada Division of InsuranceMinimum required: 25/50/20 liability
- New HampshireNew Hampshire Insurance DepartmentMinimum required: 25/50/25 liability
- New JerseyNew Jersey Department of Banking and InsuranceMinimum required: not stated yet
- New MexicoNew Mexico Office of Superintendent of InsuranceMinimum required: 25/50/10 liability
- New YorkNew York Department of Financial ServicesMinimum required: 25/50/10 liability
- North CarolinaNorth Carolina Department of InsuranceMinimum required: 30/60/25 liability
- North DakotaNorth Dakota Insurance DepartmentMinimum required: 25/50/25 liability
- OhioOhio Department of InsuranceMinimum required: 25/50/25 liability
- OklahomaOklahoma Insurance DepartmentMinimum required: 25/50/25 liability
- OregonOregon Division of Financial RegulationMinimum required: 25/50/20 liability
- PennsylvaniaPennsylvania Insurance DepartmentMinimum required: 15/30/5 liability
- Rhode IslandRhode Island Insurance DivisionMinimum required: not stated yet
- South CarolinaSouth Carolina Department of InsuranceMinimum required: 25/50/25 liability
- South DakotaSouth Dakota Division of InsuranceMinimum required: 25/50/25 liability
- TennesseeTennessee Department of Commerce and InsuranceMinimum required: 25/50/25 liability
- TexasTexas Department of InsuranceMinimum required: 30/60/25 liability
- UtahUtah Insurance DepartmentMinimum required: 30/65/25 liability
- VermontVermont Department of Financial RegulationMinimum required: 25/50/10 liability
- VirginiaVirginia State Corporation Commission — Bureau of InsuranceMinimum required: not stated yet
- WashingtonWashington Office of the Insurance CommissionerMinimum required: 25/50/10 liability
- West VirginiaWest Virginia Offices of the Insurance CommissionerMinimum required: 25/50/25 liability
- WisconsinWisconsin Office of the Commissioner of InsuranceMinimum required: 25/50/10 liability
- WyomingWyoming Department of InsuranceMinimum required: not stated yet
DMV.ai is an independent guidance service and is not affiliated with any government agency or insurer. Insurance requirements, minimum coverage, and rates are set by each state and each insurer — verify current details with the official regulator linked above before buying a policy.