- Suggested bodily injury (per person)
- $100,000
- Suggested bodily injury (per accident)
- $300,000
- Suggested property damage
- $100,000
- Suggested uninsured motorist
- $100,000 / $300,000
- Estimated monthly premium
- $175.00
Liability limits are a rule-of-thumb floor, not legal advice: protect at least what you own. Premium estimate starts from the ~$2,100 US average for full coverage and adjusts for age, car value, deductible and tier.
How the limits are sized
The usual rule is to carry bodily-injury cover at least equal to the assets a lawsuit could reach, and never less than 100/300. Property-damage cover should comfortably replace whatever you might hit — plenty of cars on the road cost more than the $5,000 minimum some states allow. Uninsured motorist cover should mirror the bodily-injury limits because roughly one driver in eight carries no insurance at all.
How the premium estimate works
The starting point is the US average full-coverage premium of about $2,100 a year, adjusted for your age band, vehicle value, chosen deductible and tier. Young drivers can be 2.5× the average; a 20-year-old car on liability-only costs a fraction of it. Your own rate depends on your driving record, credit-based insurance score in most states, garaging address and annual mileage.
Frequently asked questions
Is 100/300 liability cover enough?
It is a sensible floor for most households. If your net worth or future earnings are higher than that, raise the limits and add an umbrella policy — umbrella cover is cheap per million dollars of protection.
When should I drop collision cover?
When the car's market value drops near ten times the annual cost of collision and comprehensive combined, you are paying a lot to protect very little. Running the numbers at your own renewal is the honest test.
Why is uninsured motorist cover so important?
Because you cannot collect from a driver who has nothing. Without it, your own health insurance and savings absorb the cost of an accident that was not your fault.