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Vehicle Ownership by State — Car Alpha

Explore state-by-state vehicle ownership requirements including insurance minimums, lemon laws, emissions testing, EV incentives, and registration fees for all 50 US states.

Every state sets its own rules for vehicle ownership, from minimum insurance coverage to emissions testing, lemon law protections, and registration fees. Whether you are buying a new car, moving to a different state, or just want to understand your obligations, use this directory to find authoritative, plain-English summaries for all 50 states.

Alabama

AL
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Alabama details

Alaska

AK
Insurance: 50/100/25
Lemon Law: Yes
Emissions: Not required
View Alaska details

Arizona

AZ
Insurance: 25/50/15
Lemon Law: Yes
Emissions: Required
View Arizona details

Arkansas

AR
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Arkansas details

California

CA
Insurance: 15/30/5
Lemon Law: Yes
Emissions: Required
View California details

Colorado

CO
Insurance: 25/50/15
Lemon Law: Yes
Emissions: Required
View Colorado details

Connecticut

CT
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Connecticut details

Delaware

DE
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Required
View Delaware details

Florida

FL
Insurance: 10/20/10 (PIP required)
Lemon Law: Yes
Emissions: Not required
View Florida details

Georgia

GA
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Georgia details

Hawaii

HI
Insurance: 20/40/10 (PIP required)
Lemon Law: Yes
Emissions: Required
View Hawaii details

Idaho

ID
Insurance: 25/50/15
Lemon Law: Yes
Emissions: Not required
View Idaho details

Illinois

IL
Insurance: 25/50/20
Lemon Law: Yes
Emissions: Required
View Illinois details

Indiana

IN
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Indiana details

Iowa

IA
Insurance: 20/40/15
Lemon Law: Yes
Emissions: Not required
View Iowa details

Kansas

KS
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Kansas details

Kentucky

KY
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Kentucky details

Louisiana

LA
Insurance: 15/30/25
Lemon Law: Yes
Emissions: Not required
View Louisiana details

Maine

ME
Insurance: 50/100/25
Lemon Law: Yes
Emissions: Required
View Maine details

Maryland

MD
Insurance: 30/60/15
Lemon Law: Yes
Emissions: Required
View Maryland details

Massachusetts

MA
Insurance: 20/40/5
Lemon Law: Yes
Emissions: Required
View Massachusetts details

Michigan

MI
Insurance: 50/100/10 (PIP required)
Lemon Law: Yes
Emissions: Not required
View Michigan details

Minnesota

MN
Insurance: 30/60/10
Lemon Law: Yes
Emissions: Required
View Minnesota details

Mississippi

MS
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Mississippi details

Missouri

MO
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Missouri details

Montana

MT
Insurance: 25/50/20
Lemon Law: Yes
Emissions: Not required
View Montana details

Nebraska

NE
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Nebraska details

Nevada

NV
Insurance: 25/50/20
Lemon Law: Yes
Emissions: Required
View Nevada details

New Hampshire

NH
Insurance: 25/50/25 (not mandatory)
Lemon Law: Yes
Emissions: Required
View New Hampshire details

New Jersey

NJ
Insurance: 15/30/5 (PIP required)
Lemon Law: Yes
Emissions: Required
View New Jersey details

New Mexico

NM
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Required
View New Mexico details

New York

NY
Insurance: 25/50/10 (PIP required)
Lemon Law: Yes
Emissions: Required
View New York details

North Carolina

NC
Insurance: 30/60/25
Lemon Law: Yes
Emissions: Required
View North Carolina details

North Dakota

ND
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View North Dakota details

Ohio

OH
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Ohio details

Oklahoma

OK
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View Oklahoma details

Oregon

OR
Insurance: 25/50/20
Lemon Law: Yes
Emissions: Required
View Oregon details

Pennsylvania

PA
Insurance: 15/30/5
Lemon Law: Yes
Emissions: Required
View Pennsylvania details

Rhode Island

RI
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Required
View Rhode Island details

South Carolina

SC
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View South Carolina details

South Dakota

SD
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View South Dakota details

Tennessee

TN
Insurance: 25/50/15
Lemon Law: Yes
Emissions: Required
View Tennessee details

Texas

TX
Insurance: 30/60/25
Lemon Law: Yes
Emissions: Required
View Texas details

Utah

UT
Insurance: 25/65/15
Lemon Law: Yes
Emissions: Required
View Utah details

Vermont

VT
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Required
View Vermont details

Virginia

VA
Insurance: 30/60/20
Lemon Law: Yes
Emissions: Required
View Virginia details

Washington

WA
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Required
View Washington details

West Virginia

WV
Insurance: 25/50/25
Lemon Law: Yes
Emissions: Not required
View West Virginia details

Wisconsin

WI
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Not required
View Wisconsin details

Wyoming

WY
Insurance: 25/50/20
Lemon Law: Yes
Emissions: Not required
View Wyoming details

Washington DC

DC
Insurance: 25/50/10
Lemon Law: Yes
Emissions: Required
View Washington DC details

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