Car Insurance Coverage Calculator
Find recommended liability limits and whether full coverage is still worth it for your car.
How much liability coverage do I need?
Liability limits protect your savings and future wages if you're found at fault in an accident that injures someone or damages property beyond your policy limit.
Suggested minimum liability limits
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Is full coverage still worth it?
The "10% rule": if what you pay per year for comprehensive + collision coverage is more than about 10% of your car's current market value, many advisors suggest dropping that coverage and self-insuring instead — since the most the insurer would ever pay out is the car's value anyway.
Why state minimums usually aren't enough
Most states set minimum liability requirements far below what a serious accident actually costs — a single injury claim can easily exceed $50,000 in medical bills alone. If a judgment exceeds your policy limit, your personal assets and future wages can be at risk. A common industry guideline is to carry liability limits at least equal to your net worth, with 100/300/100 (meaning $100,000 per person and $300,000 per accident for bodily injury, $100,000 for property damage) as a reasonable floor for most drivers with some savings.
These are general guidelines, not a quote
Actual premiums depend on your driving record, location, vehicle, and insurer — get quotes from a few insurers or an independent agent to compare real numbers for your situation.