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Car insurance across the Southeast.
We serve drivers in Florida, Georgia, Alabama, South Carolina and North Carolina. Pick your state for requirements, rate factors and answers, or enter your ZIP code to skip straight to a quote.
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Minimums, rate factors and FAQs by state.
Florida
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
FL rates & requirements →Georgia
Georgia requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.
GA rates & requirements →Alabama
Alabama requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
AL rates & requirements →South Carolina
South Carolina requires 25/50/25 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage) plus uninsured motorist coverage at the same 25/50/25 limits.
SC rates & requirements →North Carolina
As of July 1, 2025, North Carolina requires minimum liability limits of 50/100/50: $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage.
NC rates & requirements →Minimum coverage at a glance
| State | Bodily injury (per person / accident) | Property damage | Other required | Fault system |
|---|---|---|---|---|
| Florida | Not required for most drivers | $10,000 | $10,000 PIP | No-fault |
| Georgia | $25,000 / $50,000 | $25,000 | — | At-fault |
| Alabama | $25,000 / $50,000 | $25,000 | — | At-fault |
| South Carolina | $25,000 / $50,000 | $25,000 | UM 25/50/25 | At-fault |
| North Carolina | $50,000 / $100,000 | $50,000 | UM/UIM matching limits | At-fault |
Minimums shown are current as of October 2026. North Carolina's limits increased on July 1, 2025. Always confirm with your state's insurance department.
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