License renewal, insurance and points by state
Practical rules after you get your license: renewal, change of address, insurance, points and crash reports.
Updated October 20, 2026
Rules by state
| State | License valid for | Report a new address within | Minimum liability insurance | Points that can suspend your license | Crash must be reported if damage is |
|---|---|---|---|---|---|
| Alabama | 4 years | 30 days | — | — | — |
| Alaska | — | 30 days | $50/$100/$25 (thousand) | 12 points in 12 months | $2,000 |
| Arizona | — | 10 days | $25/$50/$15 (thousand) | — | — |
| California | — | — | $30/$60/$15 (thousand) | 4 points in 12 months | $1,000 |
| Colorado | — | 30 days | $25/$50/$15 (thousand) | 12 points in 12 months | — |
| Delaware | 8 years | 30 days | — | — | — |
| District of Columbia | — | 60 days | — | — | — |
| Georgia | 8 years | 60 days | — | — | — |
| Hawaii | — | 30 days | $20/$40/$10 (thousand) | — | $3,000 |
| Idaho | — | 30 days | — | — | — |
| Illinois | 4 years | 10 days | — | — | — |
| Indiana | 6 years | 30 days | $25/$50/$25 (thousand) | — | — |
| Kentucky | — | 10 days | $25/$50/$25 (thousand) | 12 points in 24 months | — |
| Louisiana | 6 years | 10 days | — | — | — |
| Maine | 6 years | 30 days | — | — | $2,000 |
| Massachusetts | 5 years | — | — | — | — |
| Michigan | 4 years | — | — | 12 points in 24 months | — |
| Minnesota | 4 years | 30 days | — | — | $1,000 |
| Mississippi | — | — | $25/$50/$25 (thousand) | — | $500 |
| Missouri | 6 years | — | — | — | — |
| Montana | — | 10 days | — | — | — |
| Nebraska | — | 60 days | $25/$50/$25 (thousand) | 12 points in 24 months | — |
| Nevada | — | 30 days | — | 12 points in 12 months | — |
| New Hampshire | 5 years | — | — | — | $1,000 |
| New Jersey | 4 years | 7 days | — | 12 points in 24 months | $500 |
| New York | — | — | — | 11 points in 24 months | $1,000 |
| North Carolina | — | 60 days | — | — | — |
| North Dakota | — | 10 days | — | — | $4,000 |
| Ohio | — | — | $25/$50/$25 (thousand) | 12 points in 24 months | — |
| Oklahoma | — | 10 days | $25/$50/$25 (thousand) | 10 points in 60 months | — |
| Oregon | — | — | $25/$50/$20 (thousand) | — | $2,500 |
| Pennsylvania | — | 15 days | — | — | — |
| Rhode Island | 5 years | — | — | — | — |
| Tennessee | 8 years | 10 days | — | — | — |
| Texas | 8 years | 30 days | $30/$60/$25 (thousand) | — | — |
| Utah | — | 10 days | — | — | — |
| Vermont | — | 30 days | — | — | — |
| Virginia | — | — | — | 18 points in 12 months | — |
| Washington | — | 10 days | $25/$50/$10 (thousand) | — | — |
| West Virginia | 5 years | 20 days | $25/$50/$25 (thousand) | — | $1,000 |
| Wisconsin | 8 years | — | — | 12 points in 12 months | $1,000 |
| Wyoming | — | 10 days | — | — | $1,000 |
States in the table: 42. A dash means we have not confirmed that rule in the handbook yet; states with no confirmed rules are not listed.
Reading the insurance column
Liability limits are written as three numbers in thousands of dollars: injury to one person / injury to everyone in one crash / property damage. For example, 25/50/25 means $25,000 / $50,000 / $25,000.
Where these numbers come from
Each value is the answer to a question in our state practice tests, and each of those questions is backed by a verbatim quote from the state's official driver handbook. Laws change: confirm with your state's handbook (linked on each state page) before you rely on a number.
Questions
$25,000 for injury to one person, $50,000 for all injuries in one crash, and $25,000 for property damage.