Auto insurance by state: look up car insurance minimums, no fault rules and average premiums for every US state. Free, runs in your browser, no signup.
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Worked example: a 3-car accident at Texas minimums
Texas requires 30/60/25, so enter Texas and the tool returns $30k / $60k / $25k. Now run the numbers on a realistic crash: you rear-end two cars, three people claim injuries of $45,000, $38,000, and $22,000 (total $105,000), and the two vehicles need $18,000 and $9,000 in repairs (total $27,000).
Bodily injury works in two layers. Per person, your $30,000 cap covers less than the $45,000 first claim, so the insurer pays $30,000 there. Per accident, the $60,000 cap applies across all three claimants, and the insurer pays up to that cap: $30,000 + $30,000, then nothing more for the third claimant. That leaves $105,000 - $60,000 = $45,000 in injury costs that become your personal liability, collectable through wage garnishment or a lawsuit judgment.
Property damage fits inside its own cap: $27,000 of repairs is under the $25,000 limit? No, it exceeds it, so the insurer pays $25,000 and you owe the remaining $2,000. Total uninsured exposure for one ordinary commute crash: $45,000 + $2,000 = $47,000. The same crash under the 100/300/100 coverage most agents suggest would leave $0 of the injury bill unpaid, which is why the gap between the two tiers is usually under $20 per month.
Where the legal floor is not what it looks like
Three states break the pattern in ways the tool flags but cannot fully show. Florida's row reads 0/0/10: there is no required bodily injury coverage at all, just $10,000 property damage liability plus $10,000 of personal injury protection, so a Florida driver can legally hit someone and owe their medical bills entirely out of pocket. New Jersey's 0/0/5 is similar, with only a $5,000 property damage floor and PIP instead of bodily injury.
No-fault status changes who pays before the caps even matter. In Michigan (20/40/10 minimums) your own insurer pays your medical bills first regardless of fault, so the liability numbers describe less of the real payment flow than in an at-fault state like Georgia. Kentucky and Pennsylvania are choice states, meaning drivers can opt out of the no-fault system and into traditional tort coverage; two drivers in the same state with identical 25/50/25 policies can have materially different claim outcomes depending on that election. The tool reports the state rule as written; it cannot see which option a specific policy actually selected.
