Insurance by state.
Legal minimums and what coverage typically costs in every state, plus what business coverage tends to run for a mobile barbershop.
Look up your state.
Search any state, plus D.C., to see its legal minimum and what minimum coverage typically costs there. Tap Details for state notes and links to the official sources. Where no mobile-barber insurance rule is listed, check with your state barber board before operating.
These are the minimum personal auto limits each state requires. A mobile barbershop is a business vehicle, so expect to need commercial auto coverage with higher limits, plus general liability and professional liability. Talk with an insurance agent who writes commercial policies before you buy.
What business coverage tends to cost
National typical figures for a small business. Your price depends on your state, driving record, the vehicle, and the limits you choose.
Source: Insureon median costs for small business policies. Commercial auto figures are for small businesses in general, not mobile barbershops specifically, and a converted motorhome may price higher. The Ownership Guide calculator uses $350 a month for insurance as an example.
| State | Auto minimum* | Typical yearly cost** | State notes |
|---|---|---|---|
| Alabama | 25/50/25 | $600 to $790 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Alaska | 50/100/25 | $660 to $680 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Arizona | 25/50/15 | $680 to $1,080 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Arkansas | 25/50/25 | $640 to $760 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| California | 30/60/15 | $900 to $1,020 | DetailsOther required auto coverage: None listed For approved services outside licensed establishments, the Personal Service Permit requires $1 million liability insurance. This is not necessarily the rule for service inside a licensed mobile unit. |
| Colorado | 25/50/15 | $690 to $1,010 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Connecticut | 25/50/25 | $1,110 to $1,690 | DetailsOther required auto coverage: UM/UIM No mobile-barber insurance rule found. |
| Delaware | 25/50/10 | $1,520 to $1,610 | DetailsOther required auto coverage: PIP No mobile-barber insurance rule found. |
| District of Columbia | 25/50/10 | $920 to $1,210 | DetailsOther required auto coverage: UM/UMPD No mobile-barber insurance rule found. |
| Florida | PIP + PD | $1,220 to $1,760 | DetailsOther required auto coverage: PIP $10k + PD $10k; separate BI rules may apply Florida’s barber board states that no mobile barbershop license is offered. Confirm whether and how your proposed operation could be legally authorized before buying. |
| Georgia | 25/50/25 | $920 to $980 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Hawaii | 40/80/20 | $480 to $600 | DetailsOther required auto coverage: PIP No mobile-barber insurance rule found. |
| Idaho | 25/50/15 | $530 to $580 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Illinois | 25/50/20 | $750 to $800 | DetailsOther required auto coverage: UM; UIM may apply No mobile-barber insurance rule found. |
| Indiana | 25/50/25 | $570 to $700 | DetailsOther required auto coverage: UM/UIM offered; rejection rules No mobile-barber insurance rule found. |
| Iowa | 20/40/15 | $450 to $490 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Kansas | 25/50/25 | $620 to $860 | DetailsOther required auto coverage: PIP; UM/UIM No mobile-barber insurance rule found. |
| Kentucky | 25/50/25 | $600 to $950 | DetailsOther required auto coverage: PIP; election rules No mobile-barber insurance rule found. |
| Louisiana | 15/30/25 | $1,210 to $1,230 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Maine | 50/100/25 | $460 to $560 | DetailsOther required auto coverage: UM/UIM; MedPay No mobile-barber insurance rule found. |
| Maryland | 30/60/15 | $1,150 to $1,430 | DetailsOther required auto coverage: UM/UIM; PIP may be waivable No mobile-barber insurance rule found. |
| Massachusetts | 25/50/30 | $880 to $1,330 | DetailsOther required auto coverage: PIP; UM No mobile-barber insurance rule found. |
| Michigan | 50/100/10* | $1,080 to $1,580 | DetailsOther required auto coverage: Default BI 250/500; PIP; PPI State vehicle coverage includes mandatory PIP, PPI and BI/PD; the default BI limits are $250k/$500k, with lower written elections available. |
| Minnesota | 30/60/10 | $850 to $1,100 | DetailsOther required auto coverage: PIP; UM/UIM Cosmetology-licensed mobile salons require professional liability of at least $25,000 per claim/$50,000 annually per practitioner. Barber-only license rules require separate confirmation. |
| Mississippi | 25/50/25 | $600 to $770 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Missouri | 25/50/25 | $500 to $910 | DetailsOther required auto coverage: UM No mobile-barber insurance rule found. |
| Montana | 25/50/20 | $520 to $620 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Nebraska | 25/50/25 | $450 to $610 | DetailsOther required auto coverage: UM/UIM No mobile-barber insurance rule found. |
| Nevada | 25/50/20 | $1,750 to $1,970 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| New Hampshire | Not generally mandatory | $660 to $670 | DetailsOther required auto coverage: If insured, minimums and UM/MedPay rules apply No mobile-barber insurance rule found. |
| New Jersey | 35/70/25 | $1,570 to $1,640 | DetailsOther required auto coverage: PIP; UM/UIM; higher commercial limits Certain commercial motor vehicles rated 10,001–26,001 lb require $300,000 combined single-limit liability. Confirm whether the Heritage Series qualifies. |
| New Mexico | 25/50/10 | $670 to $850 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| New York | 25/50/10 | $1,270 to $2,550 | DetailsOther required auto coverage: PIP; UM; death-related higher BI requirements No mobile-barber insurance rule found. |
| North Carolina | 50/100/50 | $690 to $720 | DetailsOther required auto coverage: UM/UIM No mobile-barber insurance rule found. |
| North Dakota | 25/50/25 | $460 to $560 | DetailsOther required auto coverage: PIP; UM/UIM No mobile-barber insurance rule found. |
| Ohio | 25/50/25 | $420 to $660 | DetailsOther required auto coverage: None listed Ohio permits some alternatives to a traditional auto policy under its financial-responsibility law. |
| Oklahoma | 25/50/25 | $610 to $710 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Oregon | 25/50/20 | $770 to $1,140 | DetailsOther required auto coverage: PIP; UM No mobile-barber insurance rule found. |
| Pennsylvania | 15/30/5 | $740 to $930 | DetailsOther required auto coverage: First-party medical benefits No mobile-barber insurance rule found. |
| Rhode Island | 25/50/25 | $1,050 to $1,280 | DetailsOther required auto coverage: UM/UIM rules depend on coverage No mobile-barber insurance rule found. |
| South Carolina | 25/50/25 | $830 to $940 | DetailsOther required auto coverage: UM/UMPD No mobile-barber insurance rule found. |
| South Dakota | 25/50/25 | $420 to $490 | DetailsOther required auto coverage: UM/UIM No mobile-barber insurance rule found. |
| Tennessee | 25/50/25 | $660 to $700 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Texas | 30/60/25 | $1,010 to $1,040 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
| Utah | 30/65/25 | $1,010 to $1,220 | DetailsOther required auto coverage: PIP; UM election rules No mobile-barber insurance rule found. |
| Vermont | 25/50/10 | $360 to $480 | DetailsOther required auto coverage: UM/UIM Mobile shops must carry appropriate commercial liability insurance and submit proof when applying. |
| Virginia | 50/100/25 | $690 to $980 | DetailsOther required auto coverage: UM/UIM No mobile-barber insurance rule found. |
| Washington | 25/50/10 | $670 to $940 | DetailsOther required auto coverage: None listed Mobile barber/salon units must certify at least $100,000 public liability (combined bodily injury and property damage). |
| West Virginia | 25/50/25 | $520 to $780 | DetailsOther required auto coverage: UM/UMPD No mobile-barber insurance rule found. |
| Wisconsin | 25/50/10 | $540 to $740 | DetailsOther required auto coverage: UM; MedPay offer/rejection No mobile-barber insurance rule found. |
| Wyoming | 25/50/20 | $330 to $360 | DetailsOther required auto coverage: None listed No mobile-barber insurance rule found. |
*Liability minimums in thousands of dollars: bodily injury per person / bodily injury per accident / property damage. For example, 25/50/25 means $25,000 / $50,000 / $25,000. Laws change, so confirm with the state's insurance department or a licensed agent. This is general information, not legal or insurance advice.
**What a typical driver pays per year for a personal policy with only the state minimum coverage. The range covers two national surveys, CarInsurance.com (October 2026) and ValuePenguin (July 2026). It's a rough guide to how expensive each state is, not a quote, and business coverage for a mobile shop will cost more.