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2. Compare Auto Quotes

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3. Get Your Quote & Get Covered

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Editorial guide

Independent guidance — not affiliated with any insurance carrierReliablePolicy is an independent lead generation service that connects consumers with licensed insurance agents and carriers. The information on this page is provided for educational and comparison purposes only and does not constitute insurance, financial, or legal advice. Rate figures shown are independent market estimates based on publicly available data.

Legal Minimum

Find the Cheapest Legal Auto Insurance in Your State

Stay road-legal at the lowest possible monthly cost. Compare state minimum quotes from multiple carriers in under 2 minutes.

Meet Your State's Requirement at the Lowest Possible Cost

Every state has a minimum coverage requirement for drivers — and meeting that requirement doesn't have to cost a fortune. State minimum policies are designed for drivers who want to stay legal on the road at the lowest possible monthly cost.

Whether you drive an older vehicle, are between jobs, or simply want the most affordable option available, comparing state minimum quotes from multiple carriers is the fastest way to find your lowest legal rate.

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State Minimum Liability Requirements — Sample States

State	Min. Bodily Injury	Min. Property Damage	Avg. Monthly Premium
California	15/30k	$5,000	$42 – $78
Texas	30/60k	$25,000	$38 – $72
Florida	N/A (PIP state)	$10,000	$55 – $95
New York	25/50k	$10,000	$65 – $115
Georgia	25/50k	$25,000	$40 – $80

Minimums and premiums vary by state. Check your state's DMV for exact requirements.

What to know before you compare

Pros

✓Lowest possible legal monthly premium available
✓Keeps your license and registration in good standing
✓Sufficient for low-value vehicles not worth insuring for full coverage
✓Easy to upgrade later when your budget allows

Considerations

✗Does not cover your own vehicle in an accident
✗Low liability limits may not fully cover a serious accident
✗Personal out-of-pocket exposure if you're found at fault for a major claim
✗Not appropriate for financed or leased vehicles — lenders require more

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Frequently asked questions

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Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.

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