sr22finderMinimum liability limits, compared
“State minimum” is not one number. Across the states on this page it varies by a factor of four for injury to a single person, and every one of those figures has an effective date that most comparison tables leave off.
The same diagram as a table
| State | Form | Shorthand | Amounts | Authority |
|---|---|---|---|---|
| Florida | FR-44 | 100/300/50 | $100,000 per person / $300,000 per accident / $50,000 property damage | Fla. Stat. sec. 324.023 |
| Virginia | FR-44 | 50/100/25 | $50,000 per person / $100,000 per accident / $25,000 property damage | Va. Code sec. 46.2-472(B) |
| California | SR-22 | 30/60/15 | $30,000 per person / $60,000 per accident / $15,000 property damage | Cal. Veh. Code sec. 16430(a) |
| Texas | SR-22 | 30/60/25 | $30,000 per person / $60,000 per accident / $25,000 property damage | Tex. Transp. Code sec. 601.072(a-1) |
| Ohio | SR-22 | 25/50/25 | $25,000 per person / $50,000 per accident / $25,000 property damage | Ohio Rev. Code sec. 4509.51(B)(1)-(3) |
| Arizona | SR-22 | 25/50/15 | $25,000 per person / $50,000 per accident / $15,000 property damage | A.R.S. sec. 28-4009(A)(2)(b) |
| Washington | SR-22 | 25/50/10 | $25,000 per person / $50,000 per accident / $10,000 property damage | RCW 46.29.090(1) |
The table
One row per state whose minimum liability statute has been read directly. The effective date column is the part most tables leave off, and it is the part that goes stale.
| State | Form | Short | Per person | Per crash | Property | Filing period | Effective |
|---|---|---|---|---|---|---|---|
| Florida | FR-44 | 100/300/50 | $100,000 | $300,000 | $50,000 | 3 years | 2024 Florida Statutes, including 2025C |
| Virginia | FR-44 | 50/100/25 | $50,000 | $100,000 | $25,000 | — | policies effective on or after January 1, 2025 |
| California | SR-22 | 30/60/15 | $30,000 | $60,000 | $15,000 | 3 years | in force 2026 |
| Texas | SR-22 | 30/60/25 | $30,000 | $60,000 | $25,000 | 2 years | effective January 1, 2011 |
| Ohio | SR-22 | 25/50/25 | $25,000 | $50,000 | $25,000 | — | effective December 22, 2013 (H.B. 278, 129th G.A.) |
| Arizona | SR-22 | 25/50/15 | $25,000 | $50,000 | $15,000 | — | policies issued or renewed on or after July 1, 2020 |
| Washington | SR-22 | 25/50/10 | $25,000 | $50,000 | $10,000 | 3 years | in force 2026 |
A dash in the filing-period column means this site has not read a statute fixing that state's period and will not guess at one. The limits in the same row have been read.
Three things the table shows that a single national figure cannot
The spread is a multiple, not a margin
Florida requires 4.0 times what Ohio does for injury to one person. Those are both “state minimum” policies. An agency quoting you at the floor is quoting a fundamentally different product depending on which side of a state line you are standing on, and the phrase does not warn you about that.
Two of these are not SR-22 states
Florida and Virginia use the FR-44 for driving-under-the-influence cases. Florida's sits at the top of this table by a wide margin, and that is not a coincidence — the point of the form is to require substantially more cover from a driver in that position. The comparison guide takes it apart.
Property damage is where the floors are worst
Look down the property column rather than the bodily-injury ones. Washington's statutory floor is $10,000; California's is $15,000. Those are numbers from a different era of vehicle prices, and they are what a minimum-limits policy pays when you write off someone else's car. The premium difference between that floor and a limit that would actually cover a modern vehicle is frequently smaller than people assume, and it is one of the few genuinely discretionary decisions in this process.
How these were read
Each figure was read on September 19, 2026 from the section cited in its row. Where the state's own website could not be reached from the build host, the statutory text was read from a published reproduction of that state's code and the state's canonical URL is printed on the state page alongside it, so the two can be compared. The methodology page names which states that applies to and why.
No figure on this page is an average, a synthesis or an estimate. If a state is missing, it is missing because nobody here has read its statute yet.
Common questions
What does 30/60/15 mean?
Thousands of dollars: $30,000 of bodily-injury cover for one person, $60,000 for two or more in the same crash, $15,000 for damage to other people's property.
Which state on this list has the highest minimum?
Florida's FR-44, at $100,000/$300,000/$50,000 — but that applies to DUI cases specifically, not to every Florida driver.
Why are only seven states listed?
Because seven states' minimum liability statutes have been read directly. A table with fifty rows and no sources is the thing this site exists to be an alternative to.
Do these limits change?
Regularly. California moved to 30/60/15 for policies issued or renewed on or after 1 January 2025 and has a further increase written into the statute for 2035; Virginia moved to 50/100/25 on the same date; Arizona moved in 2020. That is why every row carries an effective date.
Does buying above the minimum satisfy the filing?
Yes. The certificate attests that cover is at least equal to the minimum. Buying more satisfies it just as well and protects you considerably better.
Sources cited on this page
- Fla. Stat. sec. 324.023
- Va. Code sec. 46.2-472(B)
- Cal. Veh. Code sec. 16430(a)
- Tex. Transp. Code sec. 601.072(a-1)
- Ohio Rev. Code sec. 4509.51(B)(1)-(3)
- A.R.S. sec. 28-4009(A)(2)(b)
- RCW 46.29.090(1)
Every figure above was read from the source it is attributed to on September 19, 2026. How we check this.