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Scroll down for in-depth legal guides across all 50 states
Active (28 states)
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Alabama
At-Fault
SOL 2 years
Negligence Contributory
Min. Insurance 25/50/25
$200-$270 exclusive
Alaska
At-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 50/100/25
$180-$250 exclusive
Arizona
At-Fault
SOL 2 years
Negligence Pure Comparative
Min. Insurance 25/50/15
$280-$350 exclusive
Arkansas
At-Fault
SOL 3 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$180-$250 exclusive
California
At-Fault
SOL 2 years
Negligence Pure Comparative
Min. Insurance 30/60/15
$400-$480 exclusive
Colorado
At-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 25/50/15
$250-$320 exclusive
Connecticut
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$280-$350 exclusive
Delaware
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/10
$240-$310 exclusive
Florida
No-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 0/0/10
$420-$500 exclusive
Georgia
At-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$340-$410 exclusive
Hawaii
No-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 40/80/20
$250-$320 exclusive
Idaho
At-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 25/50/15
$170-$240 exclusive
Illinois
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/20
$350-$420 exclusive
Indiana
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$180-$250 exclusive
Iowa
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 20/40/15
$150-$220 exclusive
Kansas
No-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$190-$260 exclusive
Kentucky
No-Fault
SOL 1 years
Negligence Pure Comparative
Min. Insurance 25/50/25
$220-$290 exclusive
Louisiana
At-Fault
SOL 1 years
Negligence Pure Comparative
Min. Insurance 15/30/25
$250-$320 exclusive
Maine
At-Fault
SOL 6 years
Negligence Modified 50% Bar
Min. Insurance 50/100/25
$170-$240 exclusive
Maryland
At-Fault
SOL 3 years
Negligence Contributory
Min. Insurance 30/60/15
$240-$310 exclusive
Massachusetts
No-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/30
$300-$370 exclusive
Michigan
No-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 50/100/10
$260-$330 exclusive
Minnesota
No-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 30/60/10
$220-$290 exclusive
Mississippi
At-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 25/50/25
$190-$260 exclusive
Missouri
At-Fault
SOL 5 years
Negligence Pure Comparative
Min. Insurance 25/50/25
$190-$260 exclusive
Montana
At-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/20
$160-$230 exclusive
Nebraska
At-Fault
SOL 4 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$150-$220 exclusive
Nevada
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/20
$260-$330 exclusive
New Hampshire
At-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$220-$290 exclusive
New Jersey
No-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 35/70/25
$360-$430 exclusive
New Mexico
At-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 25/50/10
$200-$270 exclusive
New York
No-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 25/50/10
$475-$550 exclusive
North Carolina
At-Fault
SOL 3 years
Negligence Contributory
Min. Insurance 50/100/50
$200-$270 exclusive
North Dakota
No-Fault
SOL 6 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$150-$220 exclusive
Ohio
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$210-$280 exclusive
Oklahoma
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$190-$260 exclusive
Oregon
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 25/50/20
$240-$310 exclusive
Pennsylvania
No-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 15/30/5
$320-$400 exclusive
Rhode Island
At-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 25/50/25
$260-$330 exclusive
South Carolina
At-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$220-$290 exclusive
South Dakota
At-Fault
SOL 2 years
Negligence Pure Comparative
Min. Insurance 25/50/25
$150-$220 exclusive
Tennessee
At-Fault
SOL 1 years
Negligence Modified 51% Bar
Min. Insurance 25/50/25
$230-$300 exclusive
Texas
At-Fault
SOL 2 years
Negligence Modified 51% Bar
Min. Insurance 30/60/25
$380-$460 exclusive
Utah
No-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 30/65/25
$190-$260 exclusive
Vermont
At-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/10
$160-$230 exclusive
Virginia
At-Fault
SOL 2 years
Negligence Contributory
Min. Insurance 50/100/25
$230-$300 exclusive
Washington
At-Fault
SOL 3 years
Negligence Pure Comparative
Min. Insurance 25/50/10
$270-$340 exclusive
West Virginia
At-Fault
SOL 2 years
Negligence Modified 50% Bar
Min. Insurance 25/50/25
$170-$240 exclusive
Wisconsin
At-Fault
SOL 3 years
Negligence Modified 51% Bar
Min. Insurance 25/50/10
$200-$270 exclusive
Wyoming
At-Fault
SOL 4 years
Negligence Modified 51% Bar
Min. Insurance 25/50/20
$150-$220 exclusive

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Legal Framework
Tort System
Negligence Rule
Statute of Limitations
Min. Insurance (BI/PD)
Crash Statistics
Injury Crashes (2022)
Traffic Fatalities (2023)
Per 100K Population
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