https://driving.rule-hub.com/changes/ Dated changes to car insurance and driver responsibility law in all 50 states and DC, each with the statute or session law behind it. en-us Tue, 20 Oct 2026 00:00:00 GMT https://driving.rule-hub.com/district-of-columbia/minimum-coverage/ district-of-columbia-2027-10-01-minimum-coverage Fri, 01 Oct 2027 00:00:00 GMT Passed, in force from 2027-10-01. The Motor Vehicle Insurance Modernization Amendment Act of 2026 doubles the District's mandatory limits: third-party personal liability from $25,000 / $50,000 to $50,000 / $100,000, and property damage liability from $10,000 to $20,000. Mandatory uninsured motorist coverage moves the same way, from 25/50 and $5,000 of property damage to 50/100 and $20,000. The limits had not moved since the Compulsory/No-Fault Motor Vehicle Insurance Act of 1982 took effect. The act cleared the 30-day period of Congressional review and became effective August 14, 2026, but by its own terms it applies only as of October 1, 2027, so a policy written today still carries 25/50/10. From January 1, 2037 the limits step up again every ten years — $5,000 more per person, $10,000 more per accident and $2,000 more for property damage each time — with the Commissioner publishing notice at least 12 months ahead, and the Commissioner must report to the Council on the effect on premiums by December 31, 2030 and again by December 31, 2032. Source: D.C. Law 26-155 — Motor Vehicle Insurance Modernization Amendment Act of 2026. https://driving.rule-hub.com/district-of-columbia/minimum-coverage/ district-of-columbia-2027-10-01-minimum-coverage Fri, 01 Oct 2027 00:00:00 GMT Passed, in force from 2027-10-01. The same 2026 act adds enhanced underinsured motorist protection to every private passenger policy unless the first named insured signs an affirmative written waiver on a form the Commissioner prescribes, which must explain the coverage's nature, extent, benefit and cost in at least 12-point boldface. Enhanced coverage pays its full limit without being reduced by what the at-fault driver's insurer already paid, unlike the traditional underinsured motorist coverage the District has offered as an option. An insured may not hold both at once, the enhanced limit cannot exceed the policy's uninsured motorist limit, and a policy issued on or after the applicability date may not force an underinsured motorist dispute into binding arbitration. The act also drops the existing carve-out that excused insurers from offering underinsured coverage on motorcycles and motor-driven cycles. Source: D.C. Law 26-155 § 2(a)(6) — new D.C. Code § 31-2406(f-1). https://driving.rule-hub.com/tennessee/no-insurance/ tennessee-2027-07-01-no-insurance Thu, 01 Jul 2027 00:00:00 GMT Passed, in force from 2027-07-01. Public Chapter 1077 (2026, SB 1667) raises the Department of Revenue's coverage failure fee from $25 to $500 and the continued coverage failure fee from $100 to $1,000, adds a $1,500 fee with registration suspension for a repeat lapse within three years, requires proof of insurance valid for at least 30 days at initial registration, and moves insurers to weekly reporting to the verification system. It also caps noneconomic damages at $375,000 ($750,000 if catastrophic) for an uninsured vehicle owner who had received three noncompliance notices in the three years before a crash. The act's new 30-day proof-of-insurance requirement at first registration is itself repealed on June 30, 2029. Source: Tennessee Public Chapter 1077 (2026). https://driving.rule-hub.com/rhode-island/minimum-coverage/ rhode-island-2027-04-01-minimum-coverage Thu, 01 Apr 2027 00:00:00 GMT Passed, in force from 2027-04-01. P.L. 2026, ch. 388 (H 7520 Substitute A) and ch. 389 (S 2633 Substitute A), both enacted June 19, 2026, add a new subsection (c) to R.I. Gen. Laws § 27-7-2.1 requiring every insurer to offer underinsured motorist property damage coverage for private passenger automobiles, and letting it be offered together with uninsured motorist property damage coverage. Buying it stays optional — no insured is obligated to purchase it, and an insured without collision coverage may reject it in writing. The act also splits the old definition of "uninsured motorist" into separate definitions of underinsured motorist bodily injury and underinsured motorist property damage. It takes effect on April 1, 2027; nothing about the 25/50/25 liability minimums changes. Source: Rhode Island General Assembly — Public Law 2026, ch. 388. https://driving.rule-hub.com/iowa/reporting/ iowa-2027-03-01-reporting Mon, 01 Mar 2027 00:00:00 GMT Passed, in force from 2027-03-01. SF 2088 of 2026, signed May 19, 2026, raises the property damage figure in Iowa Code § 321.266(2) from $1,500 to $5,000, and raises the same figure in § 321A.5(1), which is what triggers a suspension when an uninsured driver is in a crash. It also adds a rule that has no counterpart in the old law: if the vehicle carried no financial liability coverage, the crash must be reported whatever the damage and whether or not anyone was hurt. Division II applies from March 1, 2027, or earlier if the DOT director certifies in the Iowa Administrative Bulletin that the new records system is running. Source: 2026 Iowa Acts, SF 2088, Division II (§§ 9, 11, 13) — enrolled text. https://driving.rule-hub.com/louisiana/moving-to/ louisiana-2027-01-01-moving-to Fri, 01 Jan 2027 00:00:00 GMT Passed, in force from 2027-01-01. Act 701 of 2026 (HB 1085) rewrites R.S. 32:1304 so that only commercial vehicles, covered farm vehicles rated over 26,000 pounds and student transportation vehicles must be inspected, plus vehicles registered in the five emissions parishes. A Louisiana Vehicle Identification Program sticker carrying the VIN, capped at $6 a year, replaces the brake tag. The Act already bars any citation for failing to produce or display an inspection certificate between June 30, 2026 and January 1, 2027. For the five emissions parishes the change takes effect only if and when the EPA adopts the state implementation plan amendments submitted by the Department of Environmental Quality; for every other parish it takes effect January 1, 2027. Source: Louisiana State Legislature — Acts 2026, No. 701 (HB 1085), enrolled. https://driving.rule-hub.com/oklahoma/reporting/ oklahoma-2026-11-01-reporting Sun, 01 Nov 2026 00:00:00 GMT Passed, in force from 2026-11-01. HB 4143 (2026) amends 47 O.S. § 10-108 to raise the damage figure that obliges a driver to send a written collision report to the Department of Public Safety from $300 to $3,000, and adds a flat exemption: no report is required where all parties agree to exchange information and there is no injury, no death and no damage to property other than the vehicles. The same act raises the threshold for an investigating officer's own report under 47 O.S. § 40-102 from $500 to $3,000. Until November 1, 2026 the old $300 and $500 figures still govern. The six-month rule is untouched — the driver's report is owed only if the collision has not been settled within six months of the date it happened. Source: Oklahoma Legislature — HB 4143 (2026), enrolled. https://driving.rule-hub.com/florida/reporting/ florida-2026-10-01-reporting Thu, 01 Oct 2026 00:00:00 GMT In force since 2026-10-01. SB 488 (ch. 2026-39), approved April 21, 2026, amended s. 316.065(1) to raise the apparent property damage that obliges a driver to notify law enforcement of a crash from $500 to $2,000. Guides still quoting $500 describe the rule that applies only to crashes before October 1, 2026. Source: Laws of Florida ch. 2026-39 (SB 488). https://driving.rule-hub.com/north-carolina/no-insurance/ north-carolina-2026-10-01-no-insurance Thu, 01 Oct 2026 00:00:00 GMT In force since 2026-10-01. An owner who receives a liability insurance termination notice from NCDMV currently has 10 days from the date printed on the notice to respond. NCDMV states that effective October 1, 2026 the window becomes 30 days. Missing the deadline still means a civil penalty plus revocation of the vehicle's registration. Source: NCDMV. https://driving.rule-hub.com/new-hampshire/moving-to/ new-hampshire-2026-09-30-moving-to Wed, 30 Sep 2026 00:00:00 GMT In force since 2026-09-30. RSA 266:59-b, the statute behind New Hampshire's OBD II emissions test, was repealed by the 2025 budget act (2025, 141:253, XIV). Section 255 of that act set the effective date at September 30, 2026, or earlier if the Department of Environmental Services certified that EPA had approved the related state implementation plan amendment. Because emissions testing was a required element of New Hampshire's federally approved Clean Air Act plan, the state also petitioned EPA under CAA section 176A to be removed from the Ozone Transport Region — the first state to seek complete removal. Source: RSA 266:59-b — Emission Control Equipment (repealed by 2025, 141:253, XIV; effective date set by 2025, 141:255). https://driving.rule-hub.com/alaska/sr-22/ alaska-2026-09-22-sr-22 Tue, 22 Sep 2026 00:00:00 GMT In force since 2026-09-22. Until this year, AS 28.20.330(b) said that a driver suspended for an unsatisfied crash judgment had to keep proof of financial responsibility on file "during the period the person has a license or nonresident's operating privilege" — in practice, forever. SB 239 (ch. 39 SLA 2026), signed June 24, 2026, replaced that with a ladder: one year from the date the judgment is stayed or satisfied for a first suspension, three years for a second, 10 years for a third, and only on a fourth or later suspension does the filing run for as long as the person is licensed. The Act applies to suspensions that happened before as well as after it took effect, and it orders every insurance company doing business in Alaska to notify affected customers within six months. Section 3 carried no effective-date clause, so under AS 01.10.070(b) it took effect at 12:01 a.m. on the ninetieth day after signature, September 22, 2026. The Alaska Statutes text published on akleg.gov still shows the old lifetime wording, so the enrolled bill is the only place the current rule can be read. Source: Enrolled SB 239 (ch. 39 SLA 2026), secs. 3, 5, 6 — Alaska State Legislature. https://driving.rule-hub.com/missouri/moving-to/ missouri-2026-08-28-moving-to Fri, 28 Aug 2026 00:00:00 GMT In force since 2026-08-28. SB 1033 exempts vehicles registered as farm trucks and more than 10 years old from vehicle emissions requirements. The Gateway Vehicle Inspection Program still covers other vehicles registered in St. Louis City and St. Louis, St. Charles and Jefferson counties. Source: Missouri Department of Revenue. https://driving.rule-hub.com/nebraska/reporting/ nebraska-2026-07-18-reporting Sat, 18 Jul 2026 00:00:00 GMT In force since 2026-07-18. LB1126 (2026) raised the apparent-damage figure from one thousand five hundred dollars to two thousand dollars in four places at once, effective July 18, 2026: § 60-699, the driver's duty to report a crash to the Department of Transportation within ten days; § 60-695, the investigating officer's duty to file a report; § 60-507, the Motor Vehicle Safety Responsibility Act suspension the DMV must impose on an operator who gives no proof of financial responsibility after a crash; and § 60-513, the floor on the security deposit the department may demand. The threshold therefore does two jobs, and both moved together — it is the line above which a crash must be reported, and the line above which failing to show coverage costs a Nebraskan the license. The DMV's Accident Suspensions page now prints both numbers side by side, $1,500 for crashes before July 18, 2026 and $2,000 on or after, which is the clearest sign that guides still quoting $1,500 are describing crashes that happened last year. Source: 2026 LB1126, final reading — an act relating to law; to amend sections ... 60-507, 60-513, 60-695 ... and 60-699. https://driving.rule-hub.com/nebraska/sr-22/ nebraska-2026-07-18-sr-22 Sat, 18 Jul 2026 00:00:00 GMT In force since 2026-07-18. LB972 (2026) rewrote § 60-529 into two timed halves. Until July 1, 2027 proof of financial responsibility may still be furnished either by filing the insurer's written certificate with the department or by electronic transmission of that certificate. Beginning July 1, 2027 the written option disappears: proof "shall be furnished by electronic transmission of a certificate by an insurance carrier, duly authorized to do business in this state". The certificate itself keeps the name the statute has used since LB911 (2004) put it there — Nebraska is one of the few states where "SR-22 certificate" appears in the statute book rather than only on agency forms. The practical effect falls on drivers with out-of-state or small carriers: the DMV already refuses faxed and photocopied filings, and after July 1, 2027 a carrier that cannot transmit electronically cannot file at all. The same act also amended § 60-3,167, the uninsured-driving offense, but those edits were stylistic — the Class II misdemeanor, the suspension of license, registration and plates, the ten-day window to produce proof, and the three-year filing period are all unchanged. Source: 2026 LB972, final reading — an act relating to motor vehicles; to amend sections ... 60-3,167 ... and 60-529. https://driving.rule-hub.com/kentucky/minimum-coverage/ kentucky-2026-07-15-minimum-coverage Wed, 15 Jul 2026 00:00:00 GMT In force since 2026-07-15. 2026 Ky. Acts ch. 149 (HB 627), which became law without the Governor's signature on April 14, 2026 and took effect July 15, 2026, rewrote three sections of the Motor Vehicle Reparations Act. KRS 304.39-130 now caps work loss, survivor's economic loss, replacement services loss and survivor's replacement services loss at five hundred dollars ($500) a week, up from the two hundred dollars ($200) set in 1974. Inside the definition of medical expense in KRS 304.39-020, the allowance for funeral, cremation and burial charges rose from $1,000 to $5,000. The same Act capped each medical charge a reparation obligor pays at the workers' compensation fee schedule established under KRS 342.035 — with a floor at the schedule in effect on July 15, 2026 — gave providers 180 days to submit a charge, and barred them from balance billing the insured or reporting the balance to credit bureaus. What did not change is the figure most guides quote: the overall ceiling on basic reparation benefits is still $10,000 per person per accident. Section 7 of the Act limits all of this to basic and added reparation benefits issued or renewed on or after July 15, 2026, so a policy written before that date keeps the old $200 weekly limit until it renews. Source: 2026 Ky. Acts ch. 149 (HB 627) — enrolled text, Legislative Research Commission. https://driving.rule-hub.com/south-dakota/lapse/ south-dakota-2026-07-01-lapse Wed, 01 Jul 2026 00:00:00 GMT In force since 2026-07-01. For forty years SDCL § 32-35-47.1 carried its own number: anyone suspended under the financial responsibility chapter paid "a license fee of fifty dollars" to the Department of Public Safety before reinstatement. Senate Bill 11 of 2026, signed February 13 and effective July 1, deleted that figure and replaced it with a cross-reference to subsection 32-12-47.1(1)(f), the catch-all tier of the general driver license reinstatement schedule. That tier is $75, because Senate Bill 3 of 2025 had already rebuilt § 32-12-47.1 the year before, raising the base reinstatement fee from $50 to $75 and every offense-specific tier with it, and pushing the driver license application fee from $28 to $38 at the same time. The practical effect is that between July 1, 2025 and July 1, 2026 South Dakota charged two different reinstatement fees depending on which statute your suspension came from — $50 under chapter 32-35, $75 under chapter 32-12 — and the 2026 act closed that gap. A driver reinstating after a no-insurance conviction today pays $75 plus the $38 application fee, and the department's published range for all reinstatements is $75 to $225. The same 2026 act also raised the fee for a certified abstract of a driving record under § 32-35-101 from $5 to $7. Source: 2026 Senate Bill 11, enrolled — An Act to increase reinstatement fees and abstract driver record fees (SL 2026, ch 140; signed February 13, 2026). https://driving.rule-hub.com/south-dakota/no-insurance/ south-dakota-2026-07-01-no-insurance Wed, 01 Jul 2026 00:00:00 GMT In force since 2026-07-01. Until July 1, 2026, SDCL § 32-35-122 restricted a driver suspended for failing to maintain financial responsibility to "driving to and from the person's employment and to driving that is required in the person's course of employment" — nothing else. House Bill 1013 of 2026, signed March 3, rewrote the section so the judge must now permit operation of a motor vehicle for employment, child care delivery or pickup, health appointments, or attendance at school, court, probation appointments, 24/7 sobriety testing, counseling programs, treatment, or aftercare. The same act made the parallel change to § 32-12-52.3, the restricted privilege available after a drug conviction committed in a vehicle, so that the two lists now read alike. Two things did not change: the judge's duty to impose a suspension of thirty days to one year on conviction, and the requirement that the driver establish one of the forms of financial responsibility in § 32-35-113 before driving under the restriction and maintain it for the whole restricted period. Guides that still describe a South Dakota no-insurance suspension as work-only are describing the law as it stood before this summer. Source: 2026 House Bill 1013, enrolled — An Act to clarify the purposes permitted for certain offenders to operate a motor vehicle (SL 2026, ch 133; signed March 3, 2026). https://driving.rule-hub.com/vermont/moving-to/ vermont-2026-07-01-moving-to Wed, 01 Jul 2026 00:00:00 GMT In force since 2026-07-01. Act 153 of 2026 (S.326) added 23 V.S.A. § 1260, effective July 1, 2026. A motorcycle on a Vermont highway must have a muffler, and it fails the inspection required by § 1222 if the internal baffles are missing or removed, if the system has a cutout or bypass, if it has been modified to bypass the muffler, if the muffler does not meet 40 C.F.R. § 205.169, or if it is a straight pipe. Where the muffler's position makes the compliance label unreadable, the mechanic must presume it complies. The same act made the only other 2026 change to § 1222, exempting limited-use specialty vehicles registered under § 375 from the OBD portion while leaving them the annual safety and visual emissions check. The Commissioner is directed to amend the Inspection of Motor Vehicles rules (CVR 14-050-022) accordingly. Source: 2025 Acts and Resolves No. 153 (S.326), Secs. 25, 29, 30, 31 — An act relating to miscellaneous amendments to laws relating to motor vehicles. https://driving.rule-hub.com/louisiana/no-insurance/ louisiana-2026-06-09-no-insurance Tue, 09 Jun 2026 00:00:00 GMT In force since 2026-06-09. Act 861 of 2026 (HB 999) amended R.S. 32:863.1(C)(1)(a) and (I)(1) to state that the impoundment, notice of noncompliance and due-process procedures apply to every motor vehicle operated on Louisiana highways, including vehicles registered in another state. Before this, out-of-state drivers who could not show proof received only a notice of noncompliance and a later fine. Source: Louisiana State Legislature — Acts 2026, No. 861 (HB 999), enrolled. https://driving.rule-hub.com/hawaii/moving-to/ hawaii-2026-06-03-moving-to Wed, 03 Jun 2026 00:00:00 GMT In force since 2026-06-03. Act 73 of 2026 (S.B. 2697) amended Haw. Rev. Stat. § 286-61 to add a penalty aimed squarely at vehicles shipped in from the mainland: an owner who fails to register an out-of-state vehicle under § 286-41, § 286-50 or § 286-54 is fined not less than $500 and not more than $1,000 for each violation. Before this the general penalty section had no figure aimed at new arrivals. It took effect on June 3, 2026, so it is too new to appear in most guides. Source: Hawaii Act 73, SLH 2026 (S.B. 2697 SD1 HD2 CD1) — enrolled text. https://driving.rule-hub.com/new-york/at-fault/ new-york-2026-05-26-at-fault Tue, 26 May 2026 00:00:00 GMT In force since 2026-05-26. Part EE of the FY2027 budget bill (S.9008-C, signed as chapter 58 of 2026) added CPLR 1411(b): in a personal injury action subject to Insurance Law article 51 — New York's no-fault motor vehicle framework — a claimant whose culpable conduct is greater than the defendant's now recovers nothing. Pure comparative fault under CPLR 1411(a) survives for everything else. Guides that still describe New York as a flat pure comparative state are describing the law as it stood before May 26, 2026. Source: N.Y. C.P.L.R. § 1411 (NYS Open Legislation). https://driving.rule-hub.com/new-york/at-fault/ new-york-2026-05-26-at-fault Tue, 26 May 2026 00:00:00 GMT In force since 2026-05-26. The same Part EE narrowed the definition of "serious injury" in Insurance Law § 5102(d). The category covering a medically determined non-permanent injury that prevented usual daily activities for 90 of the 180 days after the crash is gone. What remains is death, dismemberment, significant disfigurement, fracture, loss of a fetus, permanent loss of use, permanent consequential limitation, and significant limitation of use. Source: N.Y. Ins. Law § 5102(d) (NYS Open Legislation). https://driving.rule-hub.com/new-york/at-fault/ new-york-2026-05-26-at-fault Tue, 26 May 2026 00:00:00 GMT In force since 2026-05-26. Insurance Law § 5104(a) now directs that the trier of fact shall not decide whether an injury is a serious injury until it has determined who was at fault. New § 5104(d) caps recovery for non-economic loss at $100,000 where the injured person was operating an uninsured vehicle, was driving while impaired and convicted, or was operating the vehicle in the commission of a felony and convicted. Source: N.Y. Ins. Law § 5104 (NYS Open Legislation). https://driving.rule-hub.com/utah/lapse/ utah-2026-05-06-lapse Wed, 06 May 2026 00:00:00 GMT In force since 2026-05-06. H.B. 24 (Laws of Utah 2026, chapter 382) repealed Utah Code § 41-12a-303.2 and folded the offense of failing to carry and display evidence of owner's or operator's security into § 41-12a-302, the no-insurance statute. The repealed section had graded that offense separately: an infraction for a first offense with a fine of not less than $400, and a class C misdemeanor only for a repeat within three years. Under the merged section every violation, including simply not producing proof on an officer's demand, is a class C misdemeanor carrying the same $400 fine floor, with up to $300 waivable if coverage is obtained before sentencing. The affirmative defense that coverage was actually in force survived the merger, as did the rule that an officer may not cite you when the Uninsured Motorist Identification Database shows the vehicle or driver is insured. The bill states its own effective date of May 6, 2026. Source: H.B. 24, Criminal Penalty Amendments, enrolled copy — Laws of Utah 2026, ch. 382. https://driving.rule-hub.com/florida/minimum-coverage/ florida-2026-03-13-minimum-coverage Fri, 13 Mar 2026 00:00:00 GMT In force since 2026-03-13. SB 522 (2026), which would have repealed the Florida Motor Vehicle No-Fault Law and replaced PIP with a bodily injury liability requirement, died in Banking and Insurance on March 13, 2026; the House companion HB 769 died the same day. This is the third failed attempt: SB 54 (2021) passed both chambers and was vetoed on June 29, 2021, and HB 1181 (2025) died in committee. Personal injury protection remains compulsory under s. 627.733. Source: Florida Senate — SB 522 (2026). https://driving.rule-hub.com/wyoming/no-insurance/ wyoming-2026-03-09-no-insurance Mon, 09 Mar 2026 00:00:00 GMT In force since 2026-03-09. Wyoming's legislature meets in general session in odd-numbered years and in a budget session in even-numbered ones, so the 2026 budget session of the Sixty-eighth Legislature, whose last act was assigned a chapter number on March 9, 2026, was the most recent chance for anything here to move. It passed 107 acts. Reading each enrolled act for the sections that matter on this page, nothing touched them. Three acts came near and stopped short: Senate File 79 (Chapter 19), the sales and use tax reorganization, amended § 31-2-201(k) and (o)(ii), which govern dealer temporary permits and not the residency trigger in § 31-2-201(a)(iii); Senate File 107 (Chapter 54) created a new motor vehicle registration and plate issuance system in § 31-2-236 (new) and § 31-1-202 without disturbing what a registrant must certify; and Senate File 95 (Chapter 71) authorized third-party providers of driver license and motor vehicle services, adding § 31-1-205 and amending §§ 31-1-203 and 31-7-114, none of which carries an insurance duty.Under § 8-1-108 a Wyoming act with no stated date takes effect ninety days after the session adjourns; the next general session is in 2027. Source: Senate File 79 (2026), Enrolled Act No. 18, Senate, Chapter 19, Laws of Wyoming 2026 — enrolled bill, read together with the 2026 budget session enrolled acts. https://driving.rule-hub.com/district-of-columbia/sr-22/ district-of-columbia-2026-03-04-sr-22 Wed, 04 Mar 2026 00:00:00 GMT In force since 2026-03-04. The Strengthening Traffic Enforcement, Education, and Responsibility (STEER) Amendment Act of 2024 replaced D.C. Code §§ 50-1301.35, 50-1301.37 and 50-1301.38 with a clean list of triggering offenses — DUI, DUI in a commercial vehicle, operating while impaired, a homicide caused by striking someone with a vehicle, leaving after colliding, aggravated reckless driving, any felony committed using a motor vehicle, and out-of-District equivalents — and spelled out reinstatement for the first time: a full 6-month suspension, proof of financial responsibility, a $100 reinstatement fee, and ignition interlock or intelligent speed assistance enrollment where those apply. It also redefined proof of financial responsibility as simply proof that the vehicle is insured under the Compulsory/No-Fault Motor Vehicle Insurance Act. The act was effective April 20, 2024 but subject to funding; the STEER Clarification Temporary Amendment Act of 2026 made these particular changes apply as of March 4, 2026, with the ignition interlock condition following on January 1, 2027. Source: D.C. Law 25-161 § 3 — STEER Amendment Act of 2024. https://driving.rule-hub.com/new-hampshire/moving-to/ new-hampshire-2026-01-31-moving-to Sat, 31 Jan 2026 00:00:00 GMT In force since 2026-01-31. The 2025 budget act (2025, 141:253) repealed RSA 266:1, 266:1-a, 266:1-b, 266:2 through 266:6 and 266:8, plus the inspection-station provisions in RSA 260:6-a and 260:6-b, ending New Hampshire's periodic motor vehicle inspection program on January 31, 2026. On January 27, 2026 a federal court ordered the state to keep the program running. The Executive Council then declined to extend the inspection vendor's contract, leaving no approved vendor, and on February 13, 2026 the Department of Safety suspended the program until further notice: stations may not issue inspection stickers and no vehicle is required to be inspected. The state has appealed to the First Circuit, so the status can change. Guides that still say New Hampshire requires an annual inspection are describing the law as it stood before 2026. Source: NH DMV — Inspections & Emissions (Vehicle Inspection Program Public Guidance, Feb. 13, 2026). https://driving.rule-hub.com/colorado/minimum-coverage/ colorado-2026-01-01-minimum-coverage Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. House Bill 25-1179 added C.R.S. § 10-4-644. An insurer that issues or renews a Colorado auto policy must include the replacement cost of a child restraint system that was in the vehicle during a crash, and must ask claimants whether one was. It applies to policies issued or renewed, and claims filed, on or after January 1, 2026. The governor signed it on April 17, 2025. Source: Colorado General Assembly — HB25-1179. https://driving.rule-hub.com/hawaii/minimum-coverage/ hawaii-2026-01-01-minimum-coverage Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. Part II of Act 138, Session Laws of Hawaii 2024 (S.B. 2342, S.D. 2, H.D. 3, C.D. 1) amended Haw. Rev. Stat. § 431:10C-301(b) to raise bodily injury liability from $20,000 per person and $40,000 per accident to $40,000 and $80,000, and property damage liability from $10,000 to $20,000. Section 7 of the Act delayed part II to January 1, 2026, while the rest of the Act took effect July 1, 2024. Section 5 told the insurance commissioner to solicit rate filings by January 1, 2025, with filings due July 1, 2025, so that the rates matched the new limits for policies effective on or after January 1, 2026. The legislature's own finding was that the minimums "remained unamended for nearly twenty-five years". Any guide still printing 20/40/10 for Hawaii is quoting the figures that expired at the end of 2025; the Insurance Division's own FAQ now states 40/80/20 and warns drivers their premium may rise around 25 percent. The $10,000 personal injury protection minimum was not changed. Source: Act 138, Session Laws of Hawaii 2024 (S.B. 2342), §§ 3 and 7. https://driving.rule-hub.com/louisiana/at-fault/ louisiana-2026-01-01-at-fault Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. Act 15 of 2025 (HB 431) rewrote La. Civ. Code art. 2323. A claimant whose share of the negligence is 51% or more now recovers nothing; below that, damages are still reduced in proportion to that share. Louisiana had been one of the few pure comparative fault states, where a claimant 90% at fault could still collect 10% of the damages. Source: Louisiana State Legislature — La. Civ. Code art. 2323. https://driving.rule-hub.com/louisiana/lapse/ louisiana-2026-01-01-lapse Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. Act 476 of 2025 (HB 496) rewrote R.S. 22:1284.1, and it cuts both ways. Before the rewrite an insurer could not surcharge for any lapse, and could not use a lapse in setting rates at all. Now the protection reaches only an insured's first lapse of 90 days or less; later lapses may be surcharged, and the clause barring insurers from considering a lapse when setting rates was deleted. The counterweight: once an insured holds continuous coverage for five or more years, the next lapse counts as a first lapse again. The Act also repealed the old carve-out that let insurers surcharge anyway after sending a written notice about surrendering the plate. Source: Louisiana State Legislature — La. R.S. 22:1284.1. https://driving.rule-hub.com/new-jersey/minimum-coverage/ new-jersey-2026-01-01-minimum-coverage Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. The second step of P.L.2022, c.87 raised bodily injury liability minimums to $35,000 per person and $70,000 per accident for Standard policies issued or renewed on or after January 1, 2026. The uninsured/underinsured motorist minimums rose by the same amounts. Property damage stays at $25,000. Guides quoting 25/50/25 describe the 2023–2025 limits. Source: P.L.2022, c.87 (approved August 5, 2022). https://driving.rule-hub.com/oregon/no-insurance/ oregon-2026-01-01-no-insurance Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. SB 840 rewrote ORS 809.417(2). DMV no longer suspends a driver for a full year simply because the driver was in a crash while uninsured. A suspension now follows only if the driver fails to make a financial responsibility filing within 30 days of the crash, and it ends as soon as the filing is made. Guides that still promise a flat one-year suspension are describing the pre-2026 rule. Source: 2025 Or. Laws ch. 415 (SB 840) § 44. https://driving.rule-hub.com/oregon/sr-22/ oregon-2026-01-01-sr-22 Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. SB 840 amended ORS 806.010(4) so that a person convicted of driving uninsured must file and maintain proof of financial responsibility for one year instead of three. The three-year term still applies to DUII filings under ORS 806.075, which also require higher limits of $50,000 / $100,000 / $10,000. Source: 2025 Or. Laws ch. 415 (SB 840) §§ 43, 45. https://driving.rule-hub.com/south-carolina/no-insurance/ south-carolina-2026-01-01-no-insurance Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. Section 56-10-520(D) sets a $600 base fee and lets the Department of Insurance re-set it each year in step with average private passenger auto rates. Order No. 2025-006 put the figure at $700 for calendar 2026. The owner of the uninsured vehicle pays it before any license, registration or plate is reissued; a driver who was not the owner pays $100 instead. Source: South Carolina Department of Insurance, Order No. 2025-006. https://driving.rule-hub.com/south-carolina/at-fault/ south-carolina-2026-01-01-at-fault Thu, 01 Jan 2026 00:00:00 GMT In force since 2026-01-01. 2025 Act No. 42 (H. 3430) rewrote § 15-38-15 for causes of action arising after January 1, 2026. The trier of fact now allocates a percentage of fault to a non-defendant tortfeasor who is properly disclosed, and the carve-out that stripped joint and several protection from conduct "involving the use, sale, or possession of alcohol" was dropped — only wilful, wanton, reckless or intentional conduct, or illicit drug conduct, still triggers full joint and several liability. Source: S.C. Code § 15-38-15 (version effective January 1, 2026). https://driving.rule-hub.com/alabama/minimum-coverage/ alabama-2025-10-01-minimum-coverage Wed, 01 Oct 2025 00:00:00 GMT In force since 2025-10-01. Act 2025-345 (HB 148) tightened the Mandatory Liability Insurance Act for out-of-state vehicles. Until October 1, 2025, § 32-7A-5(a)(11) exempted a vehicle properly registered in another jurisdiction from the chapter altogether. The Act deleted that exemption and put a rule in its place: such a vehicle now satisfies Alabama law by meeting the insurance requirements of the state it is registered in, and may show that state's evidence of insurance at a stop (§§ 32-7A-4(b)(2), 32-7A-6(a)). The practical effect is not a relaxation but the opposite — an out-of-state vehicle that carries no insurance at all is no longer outside the chapter. Source: Alabama Legislature — Act 2025-345 (HB 148), enrolled. https://driving.rule-hub.com/montana/no-insurance/ montana-2025-10-01-no-insurance Wed, 01 Oct 2025 00:00:00 GMT In force since 2025-10-01. Montana's legislature holds a regular session only in odd-numbered years, so the 69th Legislature of 2025 was the most recent opportunity for anything here to move. Two of its acts reached into the mandatory insurance sections, and both were housekeeping. House Bill 43 (Chapter 23, Laws 2025), by request of the Transportation Interim Committee, revised traffic regulation laws for consistency and clarity; its Section 2 amended § 61-6-301 to point the phrase "ways of this state open to the public" at the relocated definition in § 61-8-102 instead of § 61-8-101, leaving the insurance duty otherwise word for word. House Bill 99 (Chapter 47, Laws 2025) reorganized motor vehicle definitions for readability, amending § 61-6-102 and § 61-6-302 among dozens of sections and repealing §§ 61-9-513, 61-9-514 and 61-9-519 as duplicative penalty provisions. Nothing in either act altered what a Montana driver must carry, produce or pay. Neither bill prescribed its own effective date, so under § 1-2-201(1)(a) both took effect October 1, 2025. Worth stating plainly because the dates invite the opposite inference: the minimum limits in § 61-6-103 were last amended in 2015, the penalties in § 61-6-304 in 2017, and the verification system in § 61-6-157 in 2019. The next regular session is in 2027. Source: House Bill 43 (2025), Chapter 23, Laws of Montana 2025 — enrolled bill. https://driving.rule-hub.com/nevada/lapse/ nevada-2025-10-01-lapse Wed, 01 Oct 2025 00:00:00 GMT In force since 2025-10-01. AB 20 (2025) rewrote NRS 485.317 so the DMV sends the request for information about liability coverage by electronic notification when the registered owner has signed up for it, and sends the notice of suspension by electronic notification as well as by certified mail or a delivery-confirmed mail service. The clocks did not change: 15 days to answer the request, then 10 days after the suspension notice before the registration is suspended. The practical effect is that a Nevada lapse notice can now land in an inbox, so guides that tell you to watch the mailbox are incomplete. Source: Nevada AB 20 (2025), enrolled — Chapter 10, Statutes of Nevada 2025. https://driving.rule-hub.com/maine/moving-to/ maine-2025-09-24-moving-to Wed, 24 Sep 2025 00:00:00 GMT In force since 2025-09-24. New residents still have 30 days to apply for a Maine license. Until 2025, failing that duty under 29-A M.R.S. § 1251(1-A) was a Class E crime once 90 days had passed. P.L. 2025, ch. 165 (L.D. 1411) struck the criminal paragraphs from § 1251(1-A), leaving a traffic infraction with a fine of $150 to $500 once the person has been a resident for at least 90 days. It does not clear the deck entirely: § 1251(1)(D) still makes it a Class E crime to drive without a Maine license after more than 90 days of residency, and that paragraph was not touched. Signed May 30, 2025, effective September 24, 2025. Source: P.L. 2025, ch. 165 (L.D. 1411), §1 — chaptered law. https://driving.rule-hub.com/arkansas/minimum-coverage/ arkansas-2025-08-05-minimum-coverage Tue, 05 Aug 2025 00:00:00 GMT In force since 2025-08-05. Act 345 of 2025 (SB276) ran the phrase "or eligible" through the financial responsibility chapter. Arkansas Code § 27-22-104(a)(1)(B) now accepts a policy from an insurance company "authorized or eligible to do business in this state" as the compulsory liability coverage, and §§ 27-19-605, 27-19-712 and 27-19-713 were amended the same way so a surplus lines carrier's policy can also back a bond, a certificate of insurance filed with the Office of Driver Services, and the definition of a motor vehicle liability policy. The Act also widened the definition of "insurer" in the Arkansas Online Insurance Verification System Act (§ 27-22-202(4)) to match. The Governor approved it on March 20, 2025; it carries no emergency clause, so it took effect with the rest of the session's general acts 90 days after the General Assembly adjourned sine die. The governor signed it on 2025.03.20; with no emergency clause it took effect on 2025.08.05, ninety days after the session adjourned. Source: Arkansas State Legislature — Acts 2025, No. 345 (SB276), enrolled. https://driving.rule-hub.com/louisiana/no-insurance/ louisiana-2025-08-01-no-insurance Fri, 01 Aug 2025 00:00:00 GMT In force since 2025-08-01. Act 16 of 2025 (HB 434) amended R.S. 32:866. An owner or operator who fails to carry the required liability security now recovers nothing for the first $100,000 of bodily injury and nothing for the first $100,000 of property damage, up from $15,000 and $25,000. The same figures govern the insurer's subrogation rights, and the $100,000 bodily injury figure also drives the court-costs rule in Subsection C. Guides still quoting $15,000/$25,000 are describing the pre-August 2025 law. Source: Louisiana State Legislature — Acts 2025, No. 16 (HB 434), enrolled. https://driving.rule-hub.com/hawaii/moving-to/ hawaii-2025-07-01-moving-to Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. The Hawaii Department of Transportation raised the periodic motor vehicle inspection fee by 75 cents effective July 1, 2025: $25.75 for automobiles and trucks and $17.75 for motorcycles and trailers. The replacement fee for a lost or destroyed sticker or certificate went from $6.34 to $7.09. HDOT continues to keep $1.70 of each fee for administration and enforcement, the program contractor's share rose from $1.34 to $2.09, and the inspection station keeps the rest. Roughly 1.2 million safety inspections are performed in Hawaii each year at about 500 permitted stations. Because the fee is set by rule under Haw. Rev. Stat. § 286-26(e) rather than by statute, it can move again after a public hearing without any legislation. Source: Hawaii Department of Transportation — Updates to motor vehicle safety inspection fees for 2025. https://driving.rule-hub.com/massachusetts/minimum-coverage/ massachusetts-2025-07-01-minimum-coverage Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. Acts of 2024, chapter 275 raised the compulsory bodily injury limits from $20,000/$40,000 to $25,000/$50,000 and the property damage limit from $5,000 to $30,000, for policies issued or renewed on or after July 1, 2025. Uninsured motorist coverage follows the bodily injury limits, so it rose too. Guides that still quote 20/40/5 for Massachusetts are out of date. Source: Massachusetts General Court — Acts of 2024, Chapter 275. https://driving.rule-hub.com/north-carolina/minimum-coverage/ north-carolina-2025-07-01-minimum-coverage Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. S.L. 2023-133, as amended by S.L. 2024-29, raised the minimum limits for every policy issued or renewed on or after July 1, 2025 — from $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage, to $50,000 / $100,000 / $50,000. Guides that still print 30/60/25 are describing the pre-2025 law. Source: NC Department of Insurance. https://driving.rule-hub.com/north-carolina/minimum-coverage/ north-carolina-2025-07-01-minimum-coverage Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. The same legislation made underinsured motorist bodily injury coverage part of all new or renewed policies, alongside the uninsured motorist coverage North Carolina already required. G.S. 20-279.21(b)(4) now requires UIM in addition to the liability and uninsured motorist coverages, with limits matching the policy's own UM limits unless the insured chooses otherwise. Source: NC Department of Insurance. https://driving.rule-hub.com/pennsylvania/at-fault/ pennsylvania-2025-07-01-at-fault Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. Under 75 Pa.C.S. § 1799.3 a Pennsylvania auto insurer may not cancel, refuse to renew, surcharge, apply a rate penalty or assign driver record points when a policyholder's aggregate claim cost over three years stays under a threshold the Insurance Department sets. Notice 2025-01 raised that threshold from $2,100 to $2,250 effective July 1, 2025. Guides still quoting $2,100 or an older figure are out of date. Source: Pennsylvania Insurance Department Notice 2025-01, 55 Pa.B. 178. https://driving.rule-hub.com/virginia/reporting/ virginia-2025-07-01-reporting Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. HB 2256 (2025 Acts ch. 255) amended § 46.2-373 so an investigating officer must send DMV a written report only when someone is injured or killed or apparent property damage reaches $3,000, up from $1,500. Source: Virginia LIS — 2025 Acts of Assembly ch. 255. https://driving.rule-hub.com/wyoming/reporting/ wyoming-2025-07-01-reporting Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. House Bill 25 of the 2025 general session (Enrolled Act No. 1, Chapter 1, Laws of Wyoming 2025, effective July 1, 2025) rewrote Wyo. Stat. § 31-5-1105 and § 31-5-1106(c). The enrolled bill strikes the words "in property damage to another or others to an apparent extent of at least one thousand dollars ($1,000.00) or" from the driver's immediate-notice duty, and adds a new subsection (b) confining that duty to crashes resulting in injury to or death of any person, or property damage to the extent the vehicle "is so disabled as to prevent its normal and safe operation". The same act replaced the officer's $1,000 trigger in § 31-5-1106(c) with the disabled-vehicle test, and spelled out that a vehicle counts as disabled either at the scene or afterwards, when participants or witnesses tell the officer the vehicle is no longer operable. The practical result is that a Wyoming crash with a few thousand dollars of cosmetic damage and two drivable cars no longer has to be called in at all. The knock-on effect is easy to miss: § 31-9-202(a) starts the division's thirty-day clock to suspend the license and registrations of an uninsured driver or owner from the receipt of the investigating officer's report under §§ 31-5-1106 through 31-5-1108, so narrowing the report narrowed the uninsured-crash suspension along with it. Wyoming's own driver manual has not caught up: the 2021 edition still tells drivers to "contact the police if there is an injury, death or property damage amounting to $1,000 or more." The struck and inserted words were read in the enrolled bill, not in the current section text. Source: House Bill 25 (2025), Enrolled Act No. 1, House of Representatives, Chapter 1, Laws of Wyoming 2025 — enrolled bill. https://driving.rule-hub.com/wyoming/lapse/ wyoming-2025-07-01-lapse Tue, 01 Jul 2025 00:00:00 GMT In force since 2025-07-01. House Bill 23 of the 2025 general session (Enrolled Act No. 14, Chapter 9, Laws of Wyoming 2025, effective July 1, 2025) was Wyoming's move away from physically surrendering plastic. Its Section 1 amended Wyo. Stat. § 31-9-105, which until then was headed "Return of license and registration to division" and required any person "whose license or registration is suspended under this act, or whose policy of insurance or bond, when required under this act, is cancelled or terminated" to "immediately return his license and registration to the division". The enrolled bill struck every reference to the license: the section is now headed "Return of registration to division" and reaches only the registration, and the direction to a peace officer to confiscate now covers only the registration too. Section 2 of the act repealed § 31-7-131 outright, the section that had required a physical license to be surrendered on any cancellation, suspension or revocation and returned at the end of a suspension. The penalty in § 31-9-106(a) — a fine of up to $750 for willfully failing to return — survives, but now attaches only to the registration. What did not change: the $50 reinstatement fee in § 31-7-113(e), which the same act touched only to delete a cross-reference to the repealed § 31-7-131(c), and the ten days of advance notice an insurer owes the division under § 31-9-406 before a certified policy can stop. Source: House Bill 23 (2025), Enrolled Act No. 14, House of Representatives, Chapter 9, Laws of Wyoming 2025 — enrolled bill. https://driving.rule-hub.com/kentucky/lapse/ kentucky-2025-06-27-lapse Fri, 27 Jun 2025 00:00:00 GMT In force since 2025-06-27. 2025 Ky. Acts ch. 39 (HB 390), effective June 27, 2025, rewrote KRS 186A.040 to require the Department of Vehicle Regulation to build an accessible online insurance verification system: operational and open to insurers by October 1, 2026, and accessible to courts, county clerks, prosecutors and law enforcement by January 1, 2027. Until then Kentucky runs on the old monthly reports, and an owner is notified only after the vehicle's VIN has been missing from the database for two consecutive reporting months. On and after January 1, 2027 the trigger becomes seven consecutive days. Either way the notice must state that the registration will be revoked unless proof of insurance reaches the county clerk or the department, or the system confirms coverage, within fourteen days after the date the insurance became invalid — a window the same Act cut from the thirty days the statute used to allow. The same Act extended the $40 registration reinstatement fee in KRS 186.040(8) to revocations under KRS 186A.040(5)(b) and earmarked the Cabinet's half of it for running the new system, and amended KRS 304.39-117 so that from January 1, 2027 the grace window for a newly acquired personal vehicle or a change of carriers shrinks from 45 days to 7. Source: 2025 Ky. Acts ch. 39 (HB 390) — enrolled text, Legislative Research Commission. https://driving.rule-hub.com/kentucky/lapse/ kentucky-2025-06-27-lapse Fri, 27 Jun 2025 00:00:00 GMT In force since 2025-06-27. 2024 Ky. Acts ch. 123 (SB 199), section 23, created the fee on July 15, 2024: the owner of a vehicle whose registration has been canceled pays forty dollars ($40) to the county clerk, who keeps $20 and forwards $20 to the Transportation Cabinet. As written it covered only cancellations under KRS 186.040 itself. 2025 Ky. Acts ch. 39 (HB 390), section 5, effective June 27, 2025, extended it to a registration revoked under KRS 186A.040(5)(b) — the insurance-lapse revocation. Before 2024 a Kentucky owner who lost a registration over a lapse paid nothing administrative to get it back. The fee is separate from, and can be owed on top of, the $40 driver's license relicensing fee in KRS 186.531(8). Source: 2025 Ky. Acts ch. 39 (HB 390), sec. 5 — enrolled text, Legislative Research Commission. https://driving.rule-hub.com/hawaii/moving-to/ hawaii-2025-06-03-moving-to Tue, 03 Jun 2025 00:00:00 GMT In force since 2025-06-03. Act 172, Session Laws of Hawaii 2025 (S.B. 1216, S.D. 1, H.D. 2, C.D. 1), signed by Governor Green on June 3, 2025 and effective on approval, amended Haw. Rev. Stat. § 286-26. The enrolled text underscores new language in subsection (e) requiring a vehicle to adhere to the head lamp requirements and specifications of § 291-25(a) before a certificate of inspection is issued, and rewrites subsection (g) so that the director's rules must, at a minimum, check muffler and exhaust compliance under § 291-24 or § 291-24.5 and include those head lamp specifications. The same Act added two separate consequences: an inspection station that wilfully breaks the muffler-check rule three times in eighteen months can lose its permit (§ 286-211(d)), and repairing or installing a noncompliant muffler or exhaust system became a prohibited practice for repair dealers (§ 437B-11(17)). Older descriptions of Hawaii's safety check as an exhaust-and-equipment inspection are missing the head lamp item. Source: Act 172, Session Laws of Hawaii 2025 (S.B. 1216), §§ 1, 2, 5 and 8. https://driving.rule-hub.com/oklahoma/no-insurance/ oklahoma-2025-05-13-no-insurance Tue, 13 May 2025 00:00:00 GMT In force since 2025-05-13. HB 2215 (2025) struck subparagraph b of 47 O.S. § 7-606(A)(1) with an emergency clause, so the change took effect on approval. From November 1, 2013, when HB 1792 created it, an officer citing an uninsured driver could choose to seize the vehicle's license plate instead of towing the car: the citation served as a temporary plate for ten calendar days, the plate was deposited with the county sheriff or the citing municipal department, and it took verification of coverage plus a $125 administrative fee — split between the sheriff, the citing agency, the Temporary Insurance Premium Pool and the plan administrator — to get the plate back. All of that is gone. Towing under 47 O.S. § 955 is now the officer's only option. A side effect worth knowing: the Oklahoma Temporary Motorist Liability Plan in 47 O.S. §§ 7-621 through 7-628 is still on the books but provides coverage only "when a citation is issued and the vehicle license plate has been seized pursuant to subparagraph b of paragraph 1 of subsection A of Section 7-606" — the very provision this act deleted. Source: Oklahoma Legislature — HB 2215 (2025), enrolled. https://driving.rule-hub.com/georgia/at-fault/ georgia-2025-04-21-at-fault Mon, 21 Apr 2025 00:00:00 GMT In force since 2025-04-21. Senate Bill 68 (2025 Act 9, effective on the Governor's signature) rewrote O.C.G.A. § 40-8-76.1(d). Until then, failure to wear a seat belt could not be considered evidence of negligence at all. It may now be admitted on negligence, comparative negligence, causation, assumption of risk and apportionment of fault, and may be used to reduce a damages award. Guides that still say seat belt use is inadmissible in a Georgia injury case are describing the pre-2025 rule. Non-use still cannot be a basis for cancelling coverage or raising rates. Source: Georgia General Assembly — SB 68 (2025). https://driving.rule-hub.com/ohio/sr-22/ ohio-2025-04-09-sr-22 Wed, 09 Apr 2025 00:00:00 GMT In force since 2025-04-09. H.B. 29 of the 135th General Assembly rewrote ORC 4509.45(D). Proof of financial responsibility is now filed and maintained for one year from the date the registrar imposes the suspension. The old rule ran five years for a class A, B or C suspension and three years for a class D, E or F suspension. Guides that still say "three years for a first offense, five years for a repeat" are describing the pre-April 2025 rule. The BMV notes that a non-compliance added to the record before April 9, 2025 keeps the old three-year or five-year term. Source: Ohio Revised Code § 4509.45. https://driving.rule-hub.com/ohio/no-insurance/ ohio-2025-04-09-no-insurance Wed, 09 Apr 2025 00:00:00 GMT In force since 2025-04-09. H.B. 29 of the 135th General Assembly narrowed the repeat-offense window in ORC 4509.101(A)(2) from five years to one year, so a second no-insurance suspension only escalates to a one-year suspension if it lands within twelve months of the first. The same act deleted division (A)(2)(d), which had suspended the owner's registration and impounded the certificate of registration and license plates, and removed the $50 financial responsibility nonvoluntary compliance fee. It also extended the grace period for producing proof after a ticket from fifteen days to forty-five days. Source: Ohio Revised Code § 4509.101. https://driving.rule-hub.com/california/minimum-coverage/ california-2025-01-01-minimum-coverage Wed, 01 Jan 2025 00:00:00 GMT In force since 2025-01-01. SB 1107, the Protect California Drivers Act, doubled California's minimum liability limits for every policy issued or renewed on or after January 1, 2025: $30,000 per person and $60,000 per accident for bodily injury or death, and $15,000 for property damage. The old 15/30/5 figures had stood since 1967 and still appear in a great many guides; under Veh. Code § 16056 they now apply only to policies written before 2025. The same act schedules a further increase to 50/100/25 on January 1, 2035. Source: Cal. Veh. Code § 16056 (Stats. 2022, Ch. 717 — SB 1107). https://driving.rule-hub.com/california/sr-22/ california-2025-01-01-sr-22 Wed, 01 Jan 2025 00:00:00 GMT In force since 2025-01-01. SB 1107 also rewrote Veh. Code § 16430, the definition that governs what an SR 22 has to certify. From January 1, 2025 a driver filing proof after a suspension must show at least $30,000/$60,000 bodily injury and $15,000 property damage coverage, not the old $15,000/$30,000/$5,000. The three-year filing period itself is unchanged. Source: Cal. Veh. Code § 16430 (Stats. 2022, Ch. 717 — SB 1107).