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NATIONWIDE AUTO INSURANCE DIRECTORY

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Auto insurance laws, mandatory liability minimums, and average premiums vary dramatically by jurisdiction. Select your state below to explore minimum legal coverage requirements, local rate benchmarks, and side-by-side quotes from licensed carriers.

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Southwest Region

2 State Directories

Texas (TX) →

At-Fault (Tort System)
Mandatory Minimum Limits: 30/60/25 ($30k bodily injury/person, $60k/accident, $25k property damage)
Avg Full Coverage $2,410/yr ($201/mo)
Avg State Minimum $765/yr ($64/mo)
Top Metro Hubs (20 Markets):
Dallas Houston Austin San Antonio Fort Worth Plano Frisco Arlington McKinney Garland +10 more
View Complete Texas Insurance Rates & Guides →

Arizona (AZ) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/15 ($25k bodily injury/person, $50k/accident, $15k property damage)
Avg Full Coverage $2,190/yr ($183/mo)
Avg State Minimum $670/yr ($56/mo)
Top Metro Hubs (2 Markets):
Phoenix Tucson
View Complete Arizona Insurance Rates & Guides →

Southeast Region

3 State Directories

Florida (FL) →

No-Fault (PIP Required)
Mandatory Minimum Limits: $10,000 Personal Injury Protection (PIP) + $10,000 Property Damage Liability (PDL)
Avg Full Coverage $3,180/yr ($265/mo)
Avg State Minimum $1,120/yr ($93/mo)
Top Metro Hubs (19 Markets):
Miami Orlando Tampa Jacksonville St. Petersburg Clearwater Fort Lauderdale Hollywood Boca Raton West Palm Beach +9 more
View Complete Florida Insurance Rates & Guides →

Georgia (GA) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/25 ($25k bodily injury/person, $50k/accident, $25k property damage)
Avg Full Coverage $2,580/yr ($215/mo)
Avg State Minimum $840/yr ($70/mo)
Top Metro Hubs (2 Markets):
Atlanta Savannah
View Complete Georgia Insurance Rates & Guides →

North Carolina (NC) →

At-Fault (Tort System)
Mandatory Minimum Limits: 30/60/25 ($30k bodily injury/person, $60k/accident, $25k property damage)
Avg Full Coverage $1,850/yr ($154/mo)
Avg State Minimum $590/yr ($49/mo)
Top Metro Hubs (2 Markets):
Charlotte Raleigh
View Complete North Carolina Insurance Rates & Guides →

West Region

3 State Directories

California (CA) →

At-Fault (Tort System)
Mandatory Minimum Limits: 15/30/5 ($15k bodily injury/person, $30k/accident, $5k property damage — increasing to 30/60/15 under SB 1107)
Avg Full Coverage $2,690/yr ($224/mo)
Avg State Minimum $780/yr ($65/mo)
Top Metro Hubs (3 Markets):
Los Angeles San Diego Sacramento
View Complete California Insurance Rates & Guides →

Nevada (NV) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/20 ($25k bodily injury/person, $50k/accident, $20k property damage)
Avg Full Coverage $2,850/yr ($238/mo)
Avg State Minimum $960/yr ($80/mo)
Top Metro Hubs (1 Markets):
Las Vegas
View Complete Nevada Insurance Rates & Guides →

Colorado (CO) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/15 ($25k bodily injury/person, $50k/accident, $15k property damage)
Avg Full Coverage $2,640/yr ($220/mo)
Avg State Minimum $690/yr ($58/mo)
Top Metro Hubs (1 Markets):
Denver
View Complete Colorado Insurance Rates & Guides →

Midwest Region

3 State Directories

Illinois (IL) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/20 ($25k bodily injury/person, $50k/accident, $20k property damage)
Avg Full Coverage $2,150/yr ($179/mo)
Avg State Minimum $690/yr ($58/mo)
Top Metro Hubs (1 Markets):
Chicago
View Complete Illinois Insurance Rates & Guides →

Ohio (OH) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/25 ($25k bodily injury/person, $50k/accident, $25k property damage)
Avg Full Coverage $1,620/yr ($135/mo)
Avg State Minimum $510/yr ($43/mo)
Top Metro Hubs (2 Markets):
Columbus Cincinnati
View Complete Ohio Insurance Rates & Guides →

Michigan (MI) →

No-Fault (PIP Required)
Mandatory Minimum Limits: 50/100/10 ($50k bodily injury/person, $100k/accident, $10k property damage out-of-state / $1M PPI inside MI) + PIP Choice
Avg Full Coverage $3,250/yr ($271/mo)
Avg State Minimum $1,180/yr ($98/mo)
Top Metro Hubs (1 Markets):
Detroit
View Complete Michigan Insurance Rates & Guides →

Northeast Region

2 State Directories

New York (NY) →

No-Fault (PIP Required)
Mandatory Minimum Limits: 25/50/10 ($25k bodily injury, $50k/accident, $10k property damage) + $50k PIP
Avg Full Coverage $3,350/yr ($279/mo)
Avg State Minimum $1,290/yr ($108/mo)
Top Metro Hubs (2 Markets):
New York City Buffalo
View Complete New York Insurance Rates & Guides →

Pennsylvania (PA) →

Choice No-Fault
Mandatory Minimum Limits: 15/30/5 ($15k bodily injury, $30k/accident, $5k property damage) + $5,000 First Party Medical
Avg Full Coverage $2,310/yr ($193/mo)
Avg State Minimum $690/yr ($58/mo)
Top Metro Hubs (1 Markets):
Philadelphia
View Complete Pennsylvania Insurance Rates & Guides →

South Region

1 State Directories

Tennessee (TN) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/25 ($25k bodily injury/person, $50k/accident, $25k property damage)
Avg Full Coverage $1,940/yr ($162/mo)
Avg State Minimum $590/yr ($49/mo)
Top Metro Hubs (1 Markets):
Nashville
View Complete Tennessee Insurance Rates & Guides →

Northwest Region

1 State Directories

Washington (WA) →

At-Fault (Tort System)
Mandatory Minimum Limits: 25/50/10 ($25k bodily injury/person, $50k/accident, $10k property damage)
Avg Full Coverage $1,920/yr ($160/mo)
Avg State Minimum $640/yr ($53/mo)
Top Metro Hubs (1 Markets):
Seattle
View Complete Washington Insurance Rates & Guides →