The requirements for car insurance vary greatly across the different states in the U.S., but one thing is the same in all of them: motorists want to be protected financially in the event that another driver crashes into them.
The states in the ranking were rated across three categories — liability insurance requirements, other types of insurance required and estimated percent of uninsured drivers — to determine which states pose the most risk to your wallet as a driver, if you are in an accident.
The dollar amounts quoted (in thousands) for liability insurance are for: minimum bodily injury coverage per person/bodily injury coverage per accident/property damage coverage per accident.
The other types of insurance required in certain states are: medical payments coverage (MPC), personal injury protection (PIP), uninsured motorist coverage for bodily injuries (UMBI) and uninsured motorist coverage for property damage (UMPD).
In the ranking below, the most risky five states have an average liability insurance requirement of 20/40/15. Scroll through to see which states are in the top 22 and how they compare.
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