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Every state has a minimum coverage requirement for drivers — and meeting that requirement doesn't need to cost a fortune. State minimum policies are designed for drivers who want to stay legal on the road at the lowest possible monthly cost.
Whether you drive an older vehicle, are in between jobs, or simply want the most affordable option available, comparing state minimum quotes from multiple carriers is the fastest way to find your lowest legal rate.
| State | Min. Bodily Injury | Min. Property Damage | Avg. Monthly Premium |
|---|---|---|---|
| California | 15/30k | $5,000 | $42 – $78 |
| Texas | 30/60k | $25,000 | $38 – $72 |
| Florida | N/A (PIP state) | $10,000 | $55 – $95 |
| New York | 25/50k | $10,000 | $65 – $115 |
| Georgia | 25/50k | $25,000 | $40 – $80 |
ⓘ Minimums and premiums vary by state. Check your state's DMV for exact requirements.
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.