Who sets the rules
Each state's Department of Insurance sets minimum liability limits and reviews rate filings. Requirements in one state tell you nothing about the next.
Common additional requirements
Some states require personal injury protection, some require uninsured motorist coverage, and a few allow alternatives to a traditional policy.
Proof of insurance
Most states require proof to register a vehicle or at a traffic stop, and many verify electronically with insurers.
Where to confirm current limits
Check your own state's Department of Insurance website, or ask the licensed agent on your call — they quote to the current requirements for your state.
General educational information, not insurance advice or a quote. Coverage terms, availability and pricing are determined by the insurer and vary by state.
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