Car Insurance for 18 Year Olds

Change log

Car Insurance Law and Data Updates

Dated changes to the laws and data this site relies on. Law changes are listed on the day they took effect; data entries on the day our tables were rebuilt from the new edition. Every entry links to the source that states it.

  1. Data update ·

    State premium tables rebuilt from NAIC 2019–2023 data

    Our state tables now use the NAIC's 2023 Auto Insurance Database supplement. Countrywide average expenditure per insured vehicle was $1,281.60 in 2023, +14.0% on the year before and +19.2% on 2019. A policy with liability, collision and comprehensive averaged $1,438.46.

    Source: National Association of Insurance Commissioners, 2023 Auto Insurance Database: average premium supplement · See the figures

  2. Data update ·

    Uninsured-driver estimates updated to 2023

    The Insurance Research Council's latest estimate puts uninsured motorists at 15.4% countrywide in 2023, up from 11.6% in 2019. Mississippi is highest at 28.2% and Maine lowest at 5.7%.

    Source: Insurance Information Institute, Facts + Statistics: Uninsured motorists · See the figures

  3. Law change · effective

    New Jersey standard-policy minimum rises to 35/70/25

    For standard policies issued or renewed on or after January 1, 2026, New Jersey's minimum bodily injury liability limits are $35,000 per person and $70,000 per accident. Property damage stays at $25,000. This is the second step of the increase enacted in 2022.

    Source: New Jersey Department of Banking and Insurance, Bulletin 25-06 — auto insurance coverage limits (P.L. 2022, c. 87); New Jersey Department of Banking and Insurance, Standard auto insurance policy vs basic policy

  4. Law change · effective

    Hawaii minimum liability limits rise to 40/80/20

    New and renewal policies effective on or after January 1, 2026 must carry at least $40,000 per person and $80,000 per accident in bodily injury liability and $20,000 in property damage liability.

    Source: Hawaii State Legislature, HRS § 431:10C-301; Hawaii Insurance Division (DCCA), Auto minimum limits FAQs (effective January 1, 2026)

  5. Law change · effective

    North Carolina minimum liability limits rise to 50/100/50

    For policies issued or renewed on or after July 1, 2025, North Carolina's minimum limits went from 30/60/25 to $50,000 per person, $100,000 per accident and $50,000 property damage. Underinsured motorist coverage is now included on every policy.

    Source: North Carolina Department of Insurance, Changes to the rating of automobile insurance policies, effective July 1, 2025; North Carolina General Assembly, N.C. Gen. Stat. § 20-279.21

  6. Law change · effective

    Massachusetts compulsory limits rise to 25/50/30

    For policies issued or renewed on or after July 1, 2025, compulsory bodily injury limits are $25,000 per person and $50,000 per accident, and compulsory property damage is $30,000.

    Source: Massachusetts General Court, Mass. Acts 2024, c. 275; Massachusetts Division of Insurance, Basics of auto insurance

  7. Law change · effective

    California minimum liability limits rise to 30/60/15

    Policies issued or renewed on or after January 1, 2025 must carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $15,000 in property damage liability. The statute schedules a further rise to 50/100/25 on January 1, 2035.

    Source: California Legislative Information, Cal. Veh. Code § 16056

  8. Law change · effective

    Virginia minimum liability limits rise to 50/100/25

    For policies effective on or after January 1, 2025, Virginia requires $50,000 per person and $100,000 per accident in bodily injury liability and $25,000 in property damage liability.

    Source: Virginia Law (LIS), Va. Code § 46.2-472

  9. Law change · effective

    Utah minimum liability limits rise to 30/65/25

    Policies issued or renewed on or after January 1, 2025 must carry at least $30,000 per person, $65,000 per accident and $25,000 property damage, or a $90,000 combined single limit.

    Source: Utah Legislature, Utah Code § 31A-22-304; Utah Insurance Department, Filing an auto claim (third-party)

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