Car-insurance requirements and published premium data, for all 51 US jurisdictions
Every figure here comes from a state insurance regulator or the U.S. Bureau of Labor Statistics, with the driver profile it applies to, the date the rates took effect, and a link to the document it came from. No quotes, no rankings, no insurer names.
Index 848.231 (1982-84=100). In August 2026 prices were falling: the weakest 12-month reading since November 2020, after peaking at +22.6% in April 2024.
U.S. Bureau of Labor Statistics · series CUUR0000SETE · the full series and how it is built
Price index for August 2026, released by the Bureau of Labor Statistics on 11 September 2026.
- Jurisdictions
- 51
- With regulator premium data
- 13
- Filed rates behind these pages
- 744,460
- Published distributions
- 18,789
Re-base a premium to a different month
Enter what you paid and the month you paid it. This restates that amount at another month’s published index level. It is arithmetic on the Bureau of Labor Statistics index — it is not a quote, an estimate or a forecast.
At the August 2026 index level
$1,707.70
The BLS motor vehicle insurance index moved −5.13% over this period. A premium of $1,800.00 in August 2025 corresponds to $1,707.70 at the August 2026 index level.
Index 894.075 in August 2025 against 848.231 in August 2026. Series CUUR0000SETE, base 1982-84=100, published by the U.S. Bureau of Labor Statistics.
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What each jurisdiction requires you to carry
Minimum limits, mandated coverages, the fault system and the rating rules, each read from the state’s own statute and corroborated against its insurance department or motor-vehicle agency. 45 jurisdictions carry figures confirmed against primary statute text; 6 rest on a secondary reproduction and show no figure until the primary text is read.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
The same rule across every jurisdiction
Statutory facts are comparable across states in a way premium figures are not, so these tables run all 51 jurisdictions in one view.
- Minimum liability limits by state
- Scheduled minimum-limit increases by state
- No-fault and at-fault states
- Tort thresholds by state
- Credit-based rating by state
- Gender rating by state
- Age rating by state
- Marital-status rating by state
- Occupation and education rating by state
- ZIP code and territory rating by state
Four further topics — personal injury protection amounts, uninsured and underinsured motorist requirements, medical-payments requirements and mandatory-offer and written-rejection rules — are not published yet. The committed statutory dataset carries no field that backs them, and a table assembled from a different field under those headings would be a legal claim we cannot source. They ship when the underlying values do.
How this data works
- Why there is no average car insurance cost
- How published premium data works
- What insurers file with regulators
- Liability only vs full coverage
- Understanding 25 50 25
- No fault and tort thresholds
- What a rate filing is
- Naic data and its lag
- How cpi measures insurance prices
- Why premiums rose 2022 2024
- Why premiums are falling in 2026
- Who regulates car insurance
Tools
- Coverage requirement checker every coverage a jurisdiction requires, with its citation
- Coverage gap calculator what a claim above the statutory limit leaves exposed
- Price index and re-baser restate a premium at another month’s index level
Price index as of August 2026, released 11 September 2026. Statutory records last verified against primary sources on 10 August 2026.