State insurance department directory

For each state and Washington, D.C., we list the official insurance regulator, its consumer complaint page, and its agent and company license lookup. Every link is checked by hand against the regulator’s own website, and the directory shows the date links were last checked. State websites move often, so we recheck the directory every quarter.

Some states use shared systems run by the National Association of Insurance Commissioners (NAIC) or Sircon for complaints or license lookups; in those cases we link to the tool the state itself points consumers to.

Minimum car insurance by state

Each state’s minimum car insurance record comes from the state statute or the state insurance or motor vehicle department page, and shows:

• Bodily injury liability per person and per accident, and property damage liability.
• Whether personal injury protection (PIP) is required, and whether the state is a no-fault state.
• Whether uninsured motorist coverage is required, or must be offered and can be rejected in writing.
• The statute citation and the source page.

A record appears on a state page only after a named reviewer has checked it against the cited source, and the page shows the review date. Legislatures change these limits, so always confirm with your state or your insurer before relying on them.

What we don’t publish

• Insurance company rankings or star ratings.
• Average premium or cost estimates without a named, sourced dataset.
• Financial strength ratings we aren’t licensed to display. We link to the rating agency instead.

If we add rankings, cost estimates, or complaint comparisons in the future, we’ll publish the method here first.