Glossary term
State minimum
State minimum: The lowest liability limits (and any other coverages) a state requires to register and drive a vehicle. A legal floor, not a recommendation.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Much Liability-Only Car Insurance Costs
Typical liability-only premiums by state and driver, how much cheaper it is than full coverage, and why the saving is smaller than people expect at higher limits.
Guide
Liability Insurance Minimums by State
Every state's minimum liability requirements and the extra coverages some states mandate—PIP, uninsured motorist, MedPay—in one reference table.
Entry
What Happens When an Auto Accident Exceeds Your Liability Limits?
Learn what happens when crash damages exceed your liability insurance limits, how personal liability works, and how to evaluate coverage options.
Entry
Liability-Only Car Insurance for Teen Drivers: When Does It Make Sense?
Evaluate liability-only insurance for teen drivers. Learn how crash risk affects liability limits, asset exposure, and vehicle choices for families.