State requirements checker

THE SHORT ANSWER

The exact numbers come from state statutes and state Department of Insurance publications. We pin each one to the source and record when we last verified it, so you can see what the number is now and when it last changed.

Pick your state

Pick a state from the dropdown above to see its minimum liability limits, PIP and UM / UIM rules, SR-22 or FR-44 details, and verification system. Or browse all 51 jurisdictions at once on the state minimum coverage directory.

This is an estimate, not a quote. The calculator does arithmetic on the numbers you enter; actual rates depend on carrier underwriting.

How we source this

Every row the tool renders traces to one of three source tiers:

State statute (e.g. California Insurance Code § 11580.1b, Texas Transportation Code § 601.072). The authoritative number.
State Department of Insurance consumer page (e.g. California DOI, Florida DFS). The authoritative plain-English summary.
State DMV / Department of Public Safety for verification systems and SR-22 / FR-44 operational detail.

We do not use secondary aggregators as the primary source for any statutory figure. Each citation we display shows the publisher, a direct link, and the ISO date we last verified it.

What we do not store: statutory penalty amounts for driving uninsured. Those move frequently and vary by prior-offense count, so we point to the state DMV / DOI page where the current numbers live rather than cache one that may already be stale.

Common questions

Where do these requirements come from?

Each state’s row comes from our hand-maintained state-legal-facts file for that state, which cites the state statute, state Department of Insurance page, or state DMV page that establishes the figure. The source link and the last-verified date for each row appear beside it.

Why does the penalties row point out to the DMV instead of showing a dollar amount?

Because statutory penalties for uninsured driving (fines, license and registration suspensions, reinstatement fees) move more often than the structural coverage rules and vary by prior offense count. Rather than cache a number that might be wrong six months from now, we link the current state source. That is the same honesty rule the rest of the site follows.

What does the SR-22 or FR-44 toggle do?

When you check it, the tool adds a row showing whether your state uses SR-22, FR-44, or both; the filing duration; and (where applicable) the higher liability limits the filing requires. Only a court order or a DMV letter should put you in SR-22 or FR-44 territory, so leave it unchecked unless you have one.

Why do some states show the UM / UIM row and others do not?

Because the state legal facts file is populated incrementally. States that have a verified UM / UIM entry render the row; states where we have not yet verified that specific statute omit it rather than guess. If a row is missing for your state, click through to the state’s full guide for a longer-form overview or follow the primary source link to the state DOI.

Can I bookmark the result for my state?

Yes. The state and SR-22 toggle both ride on the URL (?state=slug&sr22=1), so a share or a bookmark reproduces the same view.