Car Insurance Minimums and Claim Statistics (2026)
By the FindMyAccidentLawyer Data Team · Updated October 19, 2026 · 31 sourced statistics · CSV · JSON · Cite this page
The average paid bodily injury liability claim in the U.S. was $28,278 in 2024, according to Triple-I. An estimated 15.4 percent of motorists were uninsured in 2023. NAIC puts the average auto insurance expenditure at $1,431 per insured vehicle in 2024. State minimum limits are in the table below.
The numbers at a glance
- $28,278In 2024, the average paid U.S. auto liability claim for bodily injury was $28,278, according to Triple-I (ISO data), for all limits combined, excluding Massachusetts and most no-fault states and including loss adjustment expenses. Source
- $6,770The average auto liability claim for property damage was $6,770 in 2024. Source
- 15.4%An estimated 15.4 percent of U.S. motorists were uninsured in 2023. Source
- 28.2%Mississippi had the highest estimated share of uninsured motorists in 2023 at 28.2 percent. Source
- $1,431NAIC reports the countrywide average auto insurance expenditure was $1,431 per insured vehicle in 2024, up 11.71 percent from 2023. Source
- $2,017.97Florida had the highest average auto insurance expenditure of any state in 2024 at $2,018 per insured vehicle. Source
- 53.7%Private insurers paid $182 billion, or 53.7 percent, of all U.S. motor vehicle crash costs in 2019. Source
- $15,000In 2005, the most recent year BJS surveyed, the median award in motor vehicle accident trials in U.S. state courts was $15,000. Source
Minimum car insurance and uninsured drivers by state
Minimum liability limits are shown as bodily injury per person / bodily injury per crash / property damage, in thousands of dollars. So 25/50/25 means $25,000, $50,000 and $25,000. For full injury-law rules in each state, see car accident laws by state.
| State | Minimum liability ($000s) | Fault system | PIP required | Uninsured drivers (2023) |
|---|---|---|---|---|
| Alabama | 25/50/25 | At-fault | No | 16.8% |
| Alaska | 50/100/25 | At-fault | No | 12.5% |
| Arizona | 25/50/15 | At-fault | No | 10.6% |
| Arkansas | 25/50/25 | At-fault | No | 12.1% |
| California | 30/60/15 | At-fault | No | 20.4% |
| Colorado | 25/50/15 | At-fault | No | 19.7% |
| Connecticut | 25/50/25 | At-fault | No | 11.8% |
| Delaware | 25/50/10 | At-fault | Yes | 17.6% |
| District of Columbia | 25/50/10 | Choice | No | 23.1% |
| Florida | No BI required; PD 10 | No-fault | Yes | 20.6% |
| Georgia | 25/50/25 | At-fault | No | 19% |
| Hawaii | 40/80/20 | No-fault | Yes | 9.6% |
| Idaho | 25/50/15 | At-fault | No | 6.4% |
| Illinois | 25/50/20 | At-fault | No | 15.2% |
| Indiana | 25/50/25 | At-fault | No | 14% |
| Iowa | 20/40/15 | At-fault | No | 11.4% |
| Kansas | 25/50/25 | No-fault | Yes | 12% |
| Kentucky | 25/50/25 | Choice | Yes | 14.1% |
| Louisiana | 15/30/25 | At-fault | No | 11.7% |
| Maine | 50/100/25 | At-fault | No | 5.7% |
| Maryland | 30/60/15 | At-fault | Yes | 16.9% |
| Massachusetts | 25/50/30 | No-fault | Yes | 7.9% |
| Michigan | 50/100/10 | No-fault | Yes | 22.3% |
| Minnesota | 30/60/10 | No-fault | Yes | 11.3% |
| Mississippi | 25/50/25 | At-fault | No | 28.2% |
| Missouri | 25/50/25 | At-fault | No | 20.7% |
| Montana | 25/50/20 | At-fault | No | 7.2% |
| Nebraska | 25/50/25 | At-fault | No | 9.5% |
| Nevada | 25/50/20 | At-fault | No | 11.1% |
| New Hampshire | 25/50/25 | At-fault | No | 10% |
| New Jersey | 35/70/25 | Choice | Yes | 14.1% |
| New Mexico | 25/50/10 | At-fault | No | 24.1% |
| New York | 25/50/10 | No-fault | Yes | 8.6% |
| North Carolina | 50/100/50 | At-fault | No | 11.8% |
| North Dakota | 25/50/25 | No-fault | Yes | 10.6% |
| Ohio | 25/50/25 | At-fault | No | 18.5% |
| Oklahoma | 25/50/25 | At-fault | No | 12% |
| Oregon | 25/50/20 | At-fault | Yes | 14.7% |
| Pennsylvania | 15/30/5 | Choice | Yes | 11% |
| Rhode Island | 25/50/25 | At-fault | No | 12.4% |
| South Carolina | 25/50/25 | At-fault | No | 10.3% |
| South Dakota | 25/50/25 | At-fault | No | 9.4% |
| Tennessee | 25/50/15 | At-fault | No | 21.3% |
| Texas | 30/60/25 | At-fault | No | 14.5% |
| Utah | 30/65/25 | No-fault | Yes | 6.2% |
| Vermont | 25/50/10 | At-fault | No | 11.8% |
| Virginia | 50/100/25 | At-fault | No | 12.9% |
| Washington | 25/50/10 | At-fault | No | 19.1% |
| West Virginia | 25/50/25 | At-fault | No | 7.8% |
| Wisconsin | 25/50/10 | At-fault | No | 15.6% |
| Wyoming | 25/50/20 | At-fault | No | 6.7% |
Sources: minimum limits, fault system and PIP from the FindMyAccidentLawyer state law fact base, checked against each state's statute and the III financial responsibility table, re-verified August 18, 2026 (includes 2025 and 2026 increases in CA, MA, NJ, UT and VA). Uninsured rates from the Insurance Research Council via III (2023 data, 2025 study), estimated from the ratio of uninsured motorist claims to bodily injury claims. Florida does not require bodily injury liability coverage.
What is the average car insurance claim?
Triple-I publishes paid-claim averages from ISO, a Verisk Analytics business. Bodily injury and property damage are liability coverages. Collision and comprehensive pay for damage to your own car. For case values, see how much a car accident case is worth.
- $28,2782024
In 2024, the average paid U.S. auto liability claim for bodily injury was $28,278, according to Triple-I (ISO data), for all limits combined, excluding Massachusetts and most no-fault states and including loss adjustment expenses.
- $17,0142015
In 2015, the average paid U.S. auto liability claim for bodily injury was $17,014, according to Triple-I (ISO data), for all limits combined.
- $6,7702024
The average auto liability claim for property damage was $6,770 in 2024.
- $3,6282015
In 2015, the average paid U.S. auto liability claim for property damage was $3,628, according to Triple-I (ISO data), for all limits combined.
- $5,4892024
The average collision insurance claim was $5,489 in 2024.
- $2,3062024
The average comprehensive insurance claim was $2,306 in 2024.
How often do drivers file claims?
Frequency is the number of claims per 100 earned car years. An earned car year is one vehicle insured for one year. Triple-I reports each coverage separately.
- 0.8claims per 100 earned car years2024
In 2024, there were 0.80 bodily injury liability claims per 100 earned car years in the U.S.
- 2.5claims per 100 earned car years2024
In 2024, there were 2.50 property damage liability claims per 100 earned car years in the U.S.
- 4.16claims per 100 earned car years2024
In 2024, there were 4.16 collision claims per 100 earned car years in the U.S.
- 3.95claims per 100 earned car years2024
In 2024, there were 3.95 comprehensive claims per 100 earned car years in the U.S.
How many drivers are uninsured?
The Insurance Research Council estimates uninsured motorists from the ratio of uninsured motorist claims to bodily injury claims. It does not count vehicles directly. The table below lists each state's minimum liability limits beside its uninsured rate. Details are on our state car accident laws page.
- 15.4%2023
An estimated 15.4 percent of U.S. motorists were uninsured in 2023.
- 12.4%2017
An estimated 12.4 percent of U.S. motorists were uninsured in 2017, compared with 15.4 percent in 2023.
- 28.2%2023
Mississippi had the highest estimated share of uninsured motorists in 2023 at 28.2 percent.
- 5.7%2023
Maine had the lowest estimated share of uninsured motorists in 2023 at 5.7 percent.
- 15states2023
In 2023, 15 states and the District of Columbia had uninsured motorist rates above the countrywide rate of 15.4 percent, according to the Insurance Research Council.
- 20.6%2023
Florida's estimated uninsured motorist rate was 20.6 percent in 2023, the seventh highest in the U.S., according to the Insurance Research Council.
Who pays for the cost of car crashes?
NHTSA's latest economic cost study covers 2019 and uses 2019 dollars. It splits costs by who bears them. The settlement statistics page covers payouts in more detail.
- $115.3 billion2019
Property damage losses accounted for $115.3 billion of the $339.8 billion in economic costs of U.S. motor vehicle crashes in 2019.
- $29.5 billion2019
Insurance administration costs from motor vehicle crashes totaled $29.5 billion in 2019, or 8.7 percent of total economic costs.
What do older court data say about car accident trials?
BJS last surveyed state civil trials in 2005, so these figures are old. They cover only cases that reached trial, and most claims settle without one. For current crash totals, see the national overview.
- $15,0002005
In 2005, the most recent year BJS surveyed, the median award in motor vehicle accident trials in U.S. state courts was $15,000.
- 64.3%2005
In 2005, the most recent year BJS surveyed, plaintiffs won 64.3 percent of motor vehicle accident trials in U.S. state courts, compared with 51.6 percent of tort trials overall.
Frequently asked questions
What is the average bodily injury liability claim?
Triple-I reports the average paid U.S. bodily injury liability claim was $28,278 in 2024, using ISO data. The figure covers all limits combined and includes loss adjustment expenses. It excludes Massachusetts and most no-fault states.
How much have claim costs risen since 2015?
The average paid bodily injury claim rose from $17,014 in 2015 to $28,278 in 2024, according to Triple-I. The average property damage claim rose from $3,628 to $6,770. Neither figure is adjusted for inflation.
What is the average property damage liability claim?
Triple-I reports $6,770 for 2024, including loss adjustment expenses. The figure excludes Massachusetts, Michigan and New Jersey. Property damage claims were filed at a rate of 2.50 per 100 earned car years.
What is the average collision claim?
The average collision claim was $5,489 in 2024, based on coverage with a $500 deductible, per Triple-I. The collision claim frequency was 4.16 per 100 earned car years. Massachusetts, Michigan and Puerto Rico are excluded.
What is the average comprehensive claim?
Triple-I reports $2,306 for 2024, excluding wind and water losses. Comprehensive claims came in at 3.95 per 100 earned car years. Triple-I's analysis of NAIC data also shows 80 percent of insured drivers bought comprehensive coverage in 2023, and 77 percent bought collision.
How often do injury claims happen?
In 2024 there were 0.80 bodily injury liability claims per 100 earned car years, according to Triple-I. Property damage liability claims ran 2.50 per 100 earned car years.
What percent of drivers are uninsured?
The Insurance Research Council estimated 15.4 percent of U.S. motorists were uninsured in 2023, up from 12.4 percent in 2017. The estimate comes from the ratio of uninsured motorist claims to bodily injury claims, not a direct count of vehicles.
Which state has the most uninsured drivers?
Mississippi, at an estimated 28.2 percent in 2023. New Mexico (24.1), the District of Columbia (23.1), Michigan (22.3) and Tennessee (21.3) followed. Maine had the lowest rate at 5.7 percent, followed by Utah (6.2), Idaho (6.4), Wyoming (6.7) and Montana (7.2).
How many states are above the national uninsured rate?
The Insurance Research Council found 15 states and the District of Columbia had uninsured motorist rates above the countrywide 15.4 percent in 2023.
Why is Florida's uninsured rate unusual?
Florida's estimated rate was 20.6 percent in 2023, the seventh highest in the U.S. The Insurance Research Council notes that Florida's compulsory auto laws apply to PIP and physical damage but not third-party bodily injury coverage.
What is the average cost of car insurance?
NAIC reports the countrywide average expenditure was $1,431 per insured vehicle in 2024, up 11.71 percent from 2023. It was $1,048 in 2020. NAIC's separate combined average premium for 2024 is higher at $1,612 because it sums per-coverage averages.
Which states have the highest and lowest car insurance costs?
Florida had the highest average expenditure in 2024 at $2,018 per insured vehicle, followed by New York ($1,980.93) and Louisiana ($1,880.42). North Dakota was lowest at $907, then Maine ($934.54) and Hawaii ($934.69). NAIC advises treating direct state comparisons with a high degree of caution.
How much did car insurance prices rise in 2025?
Triple-I's reproduction of Bureau of Labor Statistics data shows the Consumer Price Index cost of motor vehicle insurance for urban consumers rose 6.0 percent in 2025. The source does not say whether that is December over December or an annual average.
Who pays for the cost of car crashes?
NHTSA's 2019 study found private insurers paid $182 billion, or 53.7 percent, of crash costs. Individual victims absorbed $79 billion (23.3 percent), and third parties and others absorbed $49 billion (14.5 percent). About 9 percent came from public revenues.
Can I use these statistics?
Yes. The statistics on this page are free to use under the Creative Commons CC BY 4.0 license. Credit FindMyAccidentLawyer and link back to this page. The underlying figures come from the publishers named in each stat card.
Cite or link to this page
Free to use under CC BY 4.0. Please credit FindMyAccidentLawyer with a link. Updated October 19, 2026.
FindMyAccidentLawyer. (2026, October 19). Car Insurance Minimums and Claim Statistics (2026). https://findmyaccidentlawyer.com/data/car-accident-statistics/insurance-and-claimsMethodology and sources
Claim figures are Triple-I's reproduction of ISO data from Verisk Analytics for 2024, with 2015 shown for comparison and not adjusted for inflation. Exclusions differ by coverage, as noted above. Uninsured estimates come from the Insurance Research Council through Triple-I, and its 2025 study revised the earlier series. Premium figures are NAIC data for 2024. NHTSA cost data are for 2019, and the BJS trial data are from 2005, the latest edition. State minimum limits in the table come from our review of state statutes.
Every number on this page links to the official report it came from. We checked each figure against the source text before publishing, and we recheck the sources every month. The page date changes only when a number changes. Spotted an error? Email profile@findmyaccidentlawyer.com.
- Facts + Statistics: Auto insurance, Insurance Information Institute (Triple-I) (2026)
- Facts + Statistics: Uninsured motorists, Insurance Information Institute (Triple-I), citing Insurance Research Council (2026)
- 2024 Auto Insurance Database Average Premium Supplement, NAIC (2026-09)
- The Economic and Societal Impact of Motor Vehicle Crashes, 2019 (Revised), NHTSA (2023-02)
- Civil Bench and Jury Trials in State Courts, 2005, Bureau of Justice Statistics (2008-10)
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