Auto Statutes by State

State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some state require Uninsured Motorist (UM) and some states require Uninsured and Underinsured Motorist (UM/UIM). Is it a Personal Injury Protection state (aka, No-Fault); or are you allowed to exclude a driver?

By: Chris Boggs
February 13, 2017

State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some states require Uninsured Motorist (UM) and some states require Uninsured and Underinsured Motorist (UM/UIM). Is it a Personal Injury Protection state (aka, No-Fault) or are you allowed to exclude a driver? Check out the chart below for state-specific details.

Click here to download the Auto Statues by State table.

Compulsory – No option other than purchasing an insurance policy or, in some states, being a qualified self-insurer.

Financial Responsibility – Proof of Financial Responsibility can be in the form of an auto liability insurance policy, an indemnity bond issued by a licensed surety, or by depositing a specified amount of money with the state.

Driver Exclusion: This information applies to liability coverage only. Several states allow the exclusion of drivers from certain physical damage coverage. Review each statute for specifics. Statute shown if such exclusion is specifically allowed by statute. If such grant is the result of a court case, the word “Court” is used. Unique limitations may apply when such exclusion is granted by a court case.

Statutory allowance of the Driver Exclusion applies to only personal auto policies in some states; these include (but may not be limited to): Kentucky, Maine, Missouri, Nevada, New Jersey, and Utah.

Disclaimer: This reference sheet is not to be construed as nor is this legal advice or legal interpretation of each state’s general statute. Consult with counsel to assure compliance with individual state statutes.

Last Updated: March 24, 2023

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