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