Total loss thresholds by state
When an insurer must declare your car a total loss: a set percentage of its value, or the total loss formula.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Rules have exceptions; open your state for details and the law it comes from.
| State | Total loss rule |
|---|---|
| Alabama | 75% of actual cash value |
| Alaska | Total loss formula |
| Arizona | Total loss formula |
| Arkansas | 70% of actual cash value |
| California | Total loss formula |
| Colorado | 100% of actual cash value |
| Connecticut | Total loss formula |
| Delaware | Total loss formula |
| District of Columbia | 75% of actual cash value |
| Florida | 80% of actual cash value |
| Georgia | Total loss formula |
| Hawaii | Total loss formula |
| Idaho | Total loss formula |
| Illinois | Total loss formula |
| Indiana | 70% of actual cash value |
| Iowa | 70% of actual cash value |
| Kansas | 75% of actual cash value |
| Kentucky | 75% of actual cash value |
| Louisiana | 75% of actual cash value |
| Maine | Total loss formula |
| Maryland | 75% of actual cash value |
| Massachusetts | Total loss formula |
| Michigan | 75% of actual cash value |
| Minnesota | 80% of actual cash value |
| Mississippi | Total loss formula |
| Missouri | 80% of actual cash value |
| Montana | Total loss formula |
| Nebraska | 75% of actual cash value |
| Nevada | 65% of actual cash value |
| New Hampshire | 75% of actual cash value |
| New Jersey | Total loss formula |
| New Mexico | Total loss formula |
| New York | 75% of actual cash value |
| North Carolina | 75% of actual cash value |
| North Dakota | 75% of actual cash value |
| Ohio | Total loss formula |
| Oklahoma | 60% of actual cash value |
| Oregon | 80% of actual cash value |
| Pennsylvania | Total loss formula |
| Rhode Island Under review | 75% of actual cash value |
| South Carolina | 75% of actual cash value |
| South Dakota | Total loss formula |
| Tennessee | 75% of actual cash value |
| Texas | 100% of actual cash value |
| Utah | Total loss formula |
| Vermont | Total loss formula |
| Virginia | 75% of actual cash value |
| Washington | Total loss formula |
| West Virginia | 75% of actual cash value |
| Wisconsin | 70% of actual cash value |
| Wyoming | 75% of actual cash value |
How we checked this
Thresholds were compared across four 2026 insurance publishers and agree for every state except Rhode Island. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site Single detailed source one detailed table built from statutes or official data Under review sources disagree; read the note and the law.