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.
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
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
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)
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
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
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
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.
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)
Subscribe to changes through the RSS feed. Found something we missed? Tell us.