State & City Guides

Arizona requires 25/50/15 liability coverage. See 2026 minimums, average premiums, and why GEICO is the cheapest major carrier for minimum coverage.

Colorado requires 25/50/15 liability coverage. See 2026 minimums, average premiums, and why GEICO leads on price for minimum coverage.

Massachusetts requires 20/40/5 liability plus $8,000 PIP — but the real story is territory: Brockton drivers can pay $115+ more a month than Leverett drivers for the same coverage.

New Jersey raised its bodily injury minimums to 35/70/25 effective January 2026, and offers a unique Basic Policy with no bodily injury liability at all.

Washington requires 25/50/10 liability coverage. See 2026 minimums, average premiums, and the cheapest carrier for minimum coverage.

Illinois requires 25/50/20 liability plus mandatory uninsured motorist coverage. See 2026 minimums and average rates for Illinois drivers.

Michigan's 2019 no-fault reform gave drivers PIP coverage tiers — from $50,000 up to unlimited. See what's required and what Michigan drivers pay in 2026.

North Carolina raised its minimum liability limits to 50/100/50 as of July 2025. See what changed, what it costs, and why NC premiums still run below average.

Ohio requires 25/50/25 liability coverage. See 2026 minimums, average cost, and the cheapest carrier for minimum coverage in Ohio.

Pennsylvania lets drivers choose full-tort or limited-tort coverage — a decision that affects your right to sue after an accident. See 2026 minimums and average cost.

Virginia raised its minimums to 50/100/25 and eliminated the old $500 uninsured motorist fee option. See what's required and what it costs in 2026.

Georgia requires 25/50/25 liability coverage. See 2026 minimums, average premiums, and the cheapest options for high-risk Georgia drivers.

New York requires 25/50/10 liability plus $50,000 in no-fault PIP coverage. See what that means and what New York drivers pay in 2026.

Florida requires $10,000 PIP and $10,000 property damage liability, not bodily injury liability for basic registration. Here's what that covers and what it costs in 2026.

Texas requires 30/60/25 liability coverage. See 2026 minimum limits, average annual premiums, and the cheapest carriers for Texas drivers.

California requires 30/60/15 liability coverage as of 2025. Here's what that means, what it costs in 2026, and seven verified ways to lower your premium.

Car insurance minimums and average premiums vary by thousands of dollars a year between states. See 2026 minimum liability limits and average costs for 16 states, from California to Colorado.