Recommended Auto Insurance Limits

These minimum requirements for each state can be found at the state insurance commissioner s website we have included them here for your easy reference just scroll down to your state and check it out.

Recommended auto insurance limits. Here s how they break down. The money will go to the people you hit but it won t cover the people in your car. When looking at your auto insurance coverage limits you may see something like 250 000 500 000 250 000 or 250 500 250 for your liability coverage. State minimum coverage limits are too low to protect the assets of most motorists.

Call us toll free. Unless your income and assets are minimal buy at least 100 000 per person 300 000 per accident. Here s how that breaks down. Find out how much auto insurance do you need which coverage types and liability limits are best for you with auto insurance coverage recommendations from our experts.

Most experts recommend a limit of at least 100 000 300 000 but that may not be enough. The amount of liability coverage you carry should be high enough to protect your assets in the event of an accident. 100 000 per person 300 000 per accident. Liability coverage these policies help cover liability and expenses when you re at fault in and accident.

If you injure someone with your car you could be sued for a lot of money. All your passengers have comprehensive health insurance you shouldn t need this additional coverage. State minimum insurance requirements are the car insurance requirements for each state by law for their residents. Your auto insurance is a collection of different policies that cover you in different ways.

However the limit is likely less. 250 000 of coverage for bodily injury per person 500 000 of coverage for bodily injury per accident. You can expect to meet specific car insurance requirements if you lease a new vehicle or buy one with an auto loan. By requiring an insurance policy with high coverage limits the lender is protecting your car which under the terms of the loan is legally considered their asset until you pay it off.

This is no place for cheap auto insurance. This level of coverage is recommended for those who have an older car few assets.