Wondering how much car insurance you need? Don't guess. Insurance.com's "What Insurance Do Drivers Like You Buy?" tool shows you how your car insurance choices compare to those of similar drivers. Enter your age, state, car type and home and vehicle ownership status to discover the most popular coverage combinations.
If you have no savings or a house. We recommend you purchase at least $25,000 per person/$50,000 per accident bodily injury coverage and at least $25,000 for property damage. Some states require less -- but less will rarely cover all the bills. California, for example, requires just $5,000 for property damage liability, and most cars are valued higher than that. You're responsible for anything left over.
Have a house, a car, some savings? The lowest tier of liability insurance is by far the most expensive; you'll find that moving up to 50/100 bodily injury coverage costs only a few dollars more a month.
Have investments, teen drivers and other assets? Buy the highest limits available from your carrier, usually $250,000 per person/$500,000 per accident or $500,000 CSL (Combined Single Limit). Consider an umbrella liability policy on top of that if your net worth exceeds the highest available liability limits.
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