Auto Insurance Requirements By State | Do you have to have auto insurance in every state?

Auto insurance requirements by state can be tricky because each state has different requirements. All but two states have minimum liability requirements that all drivers must meet before getting behind the wheel. New Hampshire and Virginia only require you be able to cover the financial liability of a car accident. In many states, the minimum amount of automobile insurance covered by law for bodily injury and liability is $50,000 and $25,000. Auto insurance laws by state vary, though, and auto insurance rates by state will change along with higher state insurance requirements.

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UPDATED: Oct 19, 2021

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