StatewiseFinance

Only New Hampshire skips a minimum insurance requirement entirely, and Florida does not require bodily injury liability at all, two of the more surprising exceptions in a patchwork of 50 different legal minimums.

California's minimum liability requirement doubled and tripled overnight on January 1, 2025, the first change since 1967, and a lot of drivers are still carrying the wrong coverage without realizing it changed.

New York's last-resort insurer is a fraction of the size of California's or Florida's, but New York City just launched something none of those states have: a city-funded program that directly subsidizes premiums for affordable housing, separate from the state system entirely.

Citizens Property Insurance peaked at 1.42 million Florida policies in October 2023 and is expected to fall to around 385,000 by the end of 2025, a 73 percent collapse that reflects one of the fastest insurance market reversals in the country.

TFPA and TWIA are two separate insurers of last resort in Texas, not one program with two names, and homeowners in the 14 coastal counties often need both at once because neither one covers what the other does.

The California FAIR Plan only covers fire, smoke, lightning, and explosion, nothing else, which is why almost every mortgage lender also requires a second policy on top of it, and why only about half of FAIR Plan holders currently carry that second policy.

California Casualty was built specifically for teachers, firefighters, police, and nurses, while Liberty Mutual folds a hero discount into its home and auto bundle in most states but not nine of them, including California itself.