Reference
Insurance investigators, SIU staff and claims professionals deciding whether a recorded statement or a recorded call is lawful before they make it.
Whether one participant's consent is enough to record a conversation, or every participant must agree, in each U.S. jurisdiction — with the controlling statute and a dated link to the government text it was read from.
51 of 51 jurisdictions. Jurisdictions appear here only once their statute has been fetched from a published source and verified. A jurisdiction that is absent has not yet been verified and is deliberately not guessed at. Indiana, Mississippi, Tennessee are published from a fixed edition rather than a live source — marked in the table and explained on their own pages.
| Jurisdiction | Whose consent | Statute | Verified |
|---|---|---|---|
| Alabama | One party | Ala. Code §§ 13A-11-30, 13A-11-31 | 2026-09-21 |
| Alaska | One party * | Alaska Stat. § 42.20.310 | 2026-09-21 |
| Arizona | One party | Ariz. Rev. Stat. § 13-3005 | 2026-09-21 |
| Arkansas | One party | Ark. Code Ann. § 5-60-120 | 2026-09-21 |
| California | All parties | Cal. Penal Code § 632 | 2026-09-21 |
| Colorado | One party | Colo. Rev. Stat. § 18-9-303 | 2026-09-21 |
| Connecticut | Depends * | Conn. Gen. Stat. § 52-570d | 2026-09-21 |
| Delaware | One party * | Del. Code Ann. tit. 11, § 2402(c)(4) | 2026-09-21 |
| District of Columbia | One party | D.C. Code § 23-542 | 2026-09-21 |
| Florida | All parties * | Fla. Stat. § 934.03 | 2026-09-21 |
| Georgia | One party * | Ga. Code Ann. § 16-11-66(a) | 2026-09-21 |
| Hawaii | One party | Haw. Rev. Stat. § 803-42(b)(3)(A) | 2026-09-21 |
| Idaho | One party | Idaho Code § 18-6702 | 2026-09-21 |
| Illinois | All parties * | 720 Ill. Comp. Stat. 5/14-2(a) | 2026-09-21 |
| Indiana | One party * | Ind. Code § 35-31.5-2-176 | 2026-09-21 |
| Iowa | One party | Iowa Code § 727.8 | 2026-09-21 |
| Kansas | One party | Kan. Stat. Ann. § 21-6101 | 2026-09-21 |
| Kentucky | One party * | Ky. Rev. Stat. Ann. § 526.010 | 2026-09-21 |
| Louisiana | One party * | La. Stat. Ann. § 15:1303 | 2026-09-21 |
| Maine | One party * | 15 M.R.S. §§ 709(4), 710 | 2026-09-21 |
| Maryland | All parties * | Md. Code Ann., Cts. & Jud. Proc. § 10-402(c)(3) | 2026-09-21 |
| Massachusetts | Tell them * | Mass. Gen. Laws ch. 272, § 99 | 2026-09-21 |
| Michigan | Depends * | Mich. Comp. Laws § 750.539c | 2026-09-21 |
| Minnesota | One party | Minn. Stat. § 626A.02 | 2026-09-21 |
| Mississippi | One party * | Miss. Code Ann. § 41-29-531 | 2026-09-21 |
| Missouri | One party | Mo. Rev. Stat. § 542.402 | 2026-09-21 |
| Montana | Tell them * | Mont. Code Ann. § 45-8-213 | 2026-09-21 |
| Nebraska | One party | Neb. Rev. Stat. § 86-290 | 2026-09-21 |
| Nevada | Depends * | Nev. Rev. Stat. §§ 200.620, 200.650 | 2026-09-21 |
| New Hampshire | All parties * | N.H. Rev. Stat. Ann. § 570-A:2 | 2026-09-21 |
| New Jersey | One party * | N.J. Stat. Ann. § 2A:156A-4 | 2026-09-21 |
| New Mexico | One party * | N.M. Stat. Ann. § 30-12-1 | 2026-09-21 |
| New York | One party * | N.Y. Penal Law §§ 250.00(2), 250.05 | 2026-09-21 |
| North Carolina | One party | N.C. Gen. Stat. § 15A-287 | 2026-09-21 |
| North Dakota | One party | N.D. Cent. Code § 12.1-15-02 | 2026-09-21 |
| Ohio | One party | Ohio Rev. Code § 2933.52 | 2026-09-21 |
| Oklahoma | One party | Okla. Stat. tit. 13, § 176.4(5) | 2026-09-21 |
| Oregon | Depends * | Or. Rev. Stat. § 165.540 | 2026-09-21 |
| Pennsylvania | All parties * | 18 Pa. Cons. Stat. § 5704 | 2026-09-21 |
| Rhode Island | One party | R.I. Gen. Laws § 11-35-21 | 2026-09-21 |
| South Carolina | One party | S.C. Code Ann. § 17-30-30 | 2026-09-21 |
| South Dakota | One party | S.D. Codified Laws § 23A-35A-20 | 2026-09-21 |
| Tennessee | One party * | Tenn. Code Ann. § 39-13-601(b)(5) (2024) | 2026-09-21 |
| Texas | One party | Tex. Penal Code § 16.02 | 2026-09-21 |
| Utah | One party | Utah Code Ann. § 77-23a-4 | 2026-09-21 |
| Vermont | Depends * | No statute — Vt. Const. ch. I, art. 11; State v. Geraw, 2002 VT 3; State v. Brooks, 157 Vt. 490 (1991) | 2026-09-21 |
| Virginia | One party | Va. Code Ann. § 19.2-62 | 2026-09-21 |
| Washington | All parties * | Wash. Rev. Code § 9.73.030 | 2026-09-21 |
| West Virginia | One party | W. Va. Code § 62-1D-3 | 2026-09-21 |
| Wisconsin | One party | Wis. Stat. § 968.31 | 2026-09-21 |
| Wyoming | One party | Wyo. Stat. Ann. § 7-3-702 | 2026-09-21 |
* The one-word answer is not the whole answer here — the rule may turn on the medium, on who is doing the recording, or on whether the recording was secret. Open the jurisdiction before relying on the column. These are the ones that get people into trouble.
The statute is oddly narrow: AS 42.20.310 bans using an eavesdropping device to hear or record an ORAL conversation, and a participant is not eavesdropping. Read it
Criminal eavesdropping is one-party (Conn. Gen. Stat. § 53a-189). The separate civil statute § 52-570d requires, for recording a telephonic communication, the consent of all parties, or prior verbal… Read it
Two Delaware statutes point in opposite directions on the same act. The wiretap chapter, § 2402(c)(4), is plainly one-party. Read it
Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one. See 18 U.S.C. § 2511(2)(d).
Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.
"Recording consent by jurisdiction", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent
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