State Minimum vs Recommended Auto Limits
Most state-mandated minimums leave families dangerously underinsured. Pick your state and assets — we’ll show you the gap.
Recommended liability limits
100/300/100
Adjust the inputs above to see your recommendation.
Your state minimum
25/50/25
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
What we recommend for you
100/300/100
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage
Higher limits typically add only a few dollars per month and protect everything you have built from a single serious accident.
State minimums shown are statutory liability requirements as of 2026. Recommended limits are general guidance — your actual coverage needs depend on your driving record, vehicles and overall financial picture.