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Rideshare Insurance

State Insurance Laws & Requirements

Explore minimum auto insurance requirements and rideshare regulations for all 50 U.S. states. Understand liability limits, mandatory coverage types, and legal compliance.

AL

Alabama

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $542/yr
Full Coverage Cost $2,234/yr
Avg. Premium: $1,842/yr
AK

Alaska

Minimum Liability Limits 50/100/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $410/yr
Full Coverage Cost $1,680/yr
Avg. Premium: $1,320/yr
AZ

Arizona

Minimum Liability Limits 25/50/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $478/yr
Full Coverage Cost $1,980/yr
Avg. Premium: $1,560/yr
AR

Arkansas

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $498/yr
Full Coverage Cost $2,040/yr
Avg. Premium: $1,680/yr
CA

California

Minimum Liability Limits 15/30/5 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $640/yr
Full Coverage Cost $2,880/yr
Avg. Premium: $2,240/yr
CO

Colorado

Minimum Liability Limits 25/50/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $560/yr
Full Coverage Cost $2,380/yr
Avg. Premium: $1,920/yr
CT

Connecticut

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $620/yr
Full Coverage Cost $2,560/yr
Avg. Premium: $2,080/yr
DE

Delaware

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $650/yr
Full Coverage Cost $2,680/yr
Avg. Premium: $2,180/yr
FL

Florida

Minimum Liability Limits 10/20/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $820/yr
Full Coverage Cost $3,240/yr
Avg. Premium: $2,680/yr
GA

Georgia

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $580/yr
Full Coverage Cost $2,340/yr
Avg. Premium: $1,920/yr
HI

Hawaii

Minimum Liability Limits 20/40/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $420/yr
Full Coverage Cost $1,720/yr
Avg. Premium: $1,380/yr
ID

Idaho

Minimum Liability Limits 25/50/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $410/yr
Full Coverage Cost $1,660/yr
Avg. Premium: $1,340/yr
IL

Illinois

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $530/yr
Full Coverage Cost $2,180/yr
Avg. Premium: $1,780/yr
IN

Indiana

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $430/yr
Full Coverage Cost $1,740/yr
Avg. Premium: $1,420/yr
IA

Iowa

Minimum Liability Limits 20/40/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $390/yr
Full Coverage Cost $1,580/yr
Avg. Premium: $1,280/yr
KS

Kansas

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $470/yr
Full Coverage Cost $1,920/yr
Avg. Premium: $1,560/yr
KY

Kentucky

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $610/yr
Full Coverage Cost $2,480/yr
Avg. Premium: $2,040/yr
LA

Louisiana

Minimum Liability Limits 15/30/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $880/yr
Full Coverage Cost $3,460/yr
Avg. Premium: $2,840/yr
ME

Maine

Minimum Liability Limits 50/100/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $380/yr
Full Coverage Cost $1,540/yr
Avg. Premium: $1,240/yr
MD

Maryland

Minimum Liability Limits 30/60/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $590/yr
Full Coverage Cost $2,400/yr
Avg. Premium: $1,960/yr
MA

Massachusetts

Minimum Liability Limits 20/40/5 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $500/yr
Full Coverage Cost $2,020/yr
Avg. Premium: $1,640/yr
MI

Michigan

Minimum Liability Limits 50/100/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $860/yr
Full Coverage Cost $3,380/yr
Avg. Premium: $2,780/yr
MN

Minnesota

Minimum Liability Limits 30/60/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $510/yr
Full Coverage Cost $2,060/yr
Avg. Premium: $1,680/yr
MS

Mississippi

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $510/yr
Full Coverage Cost $2,100/yr
Avg. Premium: $1,720/yr
MO

Missouri

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $490/yr
Full Coverage Cost $2,000/yr
Avg. Premium: $1,640/yr
MT

Montana

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $450/yr
Full Coverage Cost $1,820/yr
Avg. Premium: $1,480/yr
NE

Nebraska

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $440/yr
Full Coverage Cost $1,800/yr
Avg. Premium: $1,460/yr
NV

Nevada

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $620/yr
Full Coverage Cost $2,480/yr
Avg. Premium: $2,040/yr
NH

New Hampshire

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $360/yr
Full Coverage Cost $1,480/yr
Avg. Premium: $1,180/yr
NJ

New Jersey

Minimum Liability Limits 15/30/5 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $690/yr
Full Coverage Cost $2,780/yr
Avg. Premium: $2,280/yr
NM

New Mexico

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $470/yr
Full Coverage Cost $1,900/yr
Avg. Premium: $1,540/yr
NY

New York

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $740/yr
Full Coverage Cost $2,960/yr
Avg. Premium: $2,420/yr
NC

North Carolina

Minimum Liability Limits 30/60/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $420/yr
Full Coverage Cost $1,700/yr
Avg. Premium: $1,380/yr
ND

North Dakota

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $380/yr
Full Coverage Cost $1,560/yr
Avg. Premium: $1,260/yr
OH

Ohio

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $380/yr
Full Coverage Cost $1,540/yr
Avg. Premium: $1,240/yr
OK

Oklahoma

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $550/yr
Full Coverage Cost $2,240/yr
Avg. Premium: $1,840/yr
OR

Oregon

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $450/yr
Full Coverage Cost $1,820/yr
Avg. Premium: $1,480/yr
PA

Pennsylvania

Minimum Liability Limits 15/30/5 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $500/yr
Full Coverage Cost $2,020/yr
Avg. Premium: $1,640/yr
RI

Rhode Island

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $630/yr
Full Coverage Cost $2,540/yr
Avg. Premium: $2,080/yr
SC

South Carolina

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $530/yr
Full Coverage Cost $2,180/yr
Avg. Premium: $1,780/yr
SD

South Dakota

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $390/yr
Full Coverage Cost $1,580/yr
Avg. Premium: $1,280/yr
TN

Tennessee

Minimum Liability Limits 25/50/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $470/yr
Full Coverage Cost $1,920/yr
Avg. Premium: $1,560/yr
TX

Texas

Minimum Liability Limits 30/60/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $630/yr
Full Coverage Cost $2,540/yr
Avg. Premium: $2,080/yr
UT

Utah

Minimum Liability Limits 25/65/15 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $470/yr
Full Coverage Cost $1,900/yr
Avg. Premium: $1,540/yr
VT

Vermont

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $360/yr
Full Coverage Cost $1,480/yr
Avg. Premium: $1,180/yr
VA

Virginia

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $430/yr
Full Coverage Cost $1,740/yr
Avg. Premium: $1,420/yr
WA

Washington

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $500/yr
Full Coverage Cost $2,020/yr
Avg. Premium: $1,640/yr
WV

West Virginia

Minimum Liability Limits 25/50/25 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $510/yr
Full Coverage Cost $2,060/yr
Avg. Premium: $1,680/yr
WI

Wisconsin

Minimum Liability Limits 25/50/10 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $410/yr
Full Coverage Cost $1,660/yr
Avg. Premium: $1,340/yr
WY

Wyoming

Minimum Liability Limits 25/50/20 Bodily Injury / Property Damage (in $1,000s)
Min. Coverage Cost $420/yr
Full Coverage Cost $1,700/yr
Avg. Premium: $1,380/yr
This data is for informational purposes only, not a substitute for professional insurance advice. Please consult a licensed insurance agent for specific policy details.

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