Tools
Compare car insurance minimums between two states
Pick where you live now and where you are going. The higher number on each line is what satisfies both.
Moving? Compare two states' minimum car insurance
California: 30/60/15, no-fault or at-fault status not verified. official page, read 2026-11-02.
Texas: 30/60/25, no-fault or at-fault status not verified. official page, read 2026-11-02.
Limits that meet both: $30,000 / $60,000 / $25,000
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A move across a state line can leave a policy short even when its owner changed nothing, because the three numbers do not rise together. Montana asks for $20,000 of property cover and Texas for $25,000, while Montana's $25,000 per person is below Texas's $30,000. So the figure that meets both is not the higher of two policies: it is the higher number on each separate line. This tool takes the two states you choose and builds that combination from limits we read on official pages on November 2, 2026 or November 3, 2026, showing each state's source. When either state could not be read, it refuses to give a combined figure and names the state to ask. It compares legal floors, not prices, because we publish no quote or premium. 38 of 51 jurisdictions are read so far.
Official pages read by Radif Partners · Editorial policy · Method and sources
How to read the comparison
Each line of a minimum works on its own. Take a move from Georgia at 25/50/25 to California at 30/60/15: the policy that meets both is 30/60/25, a combination neither state asks for, because Georgia pushes the property line and California pushes the injury lines. Buying only to California's numbers would be legal after the move and short before it, at least on property.
What changes besides the numbers
Limits are the part that can be compared cleanly. Other required cover cannot be read from three numbers. Oregon requires personal injury protection of $15,000 per person and uninsured motorist cover at 25/50, North Dakota requires $30,000 per person of basic no-fault cover, and Maine adds $2,000 of medical payments and $500 for towing and storage. Each state page lists what we read and marks the rest not verified.
A lapse during the move
Nevada's DMV says even a one-day lapse suspends the registration, and Maryland charges $200 per vehicle from the first day of a lapse. Those two rules are why dates matter when you change policies across states. We did not read an equivalent rule for every state, so check the two you are dealing with.
Limits used here come from the table on the home page, each with its source and reading date. A figure can change after we read it, and a change in law reaches this page only when we read that state again.