Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 2, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • The state-mandated minimum liability insurance coverage limits are too low for proper protection, so consider raising them
  • There are several other coverage types you should consider adding to your policy
  • If you increase coverage, your rates will increase, so look for discounts to keep your rates down
  • Comparison shop for car insurance; this will help you get the coverage you need for the best price

Different car insurance coverage limits work by offering various amounts of protection based on the amount of car insurance you purchase. When you choose your auto insurance, you must select a specific amount of coverage for each option.

What are car insurance coverage limits? Coverage limits describe the highest amount of money your car insurance company will pay out in the event of an accident. These coverage limits are defined by the policy you’ve purchased, so understanding your car insurance policy is important.

Read this article to have liability limits explained and learn more about the various auto insurance coverage limits, types of coverage available, etc.

Be sure to enter your ZIP code into our free quote tool to start comparison shopping rates so you have the right coverage type and limits for your needs.

Table of Contents

How Car Insurance Coverage Limits Work

What are coverage limits on car insurance? The limits that you choose are the maximum amount of money per accident that your auto insurance company will pay. What is the difference in limits for insurance? The amount you pay for your coverage.

You can increase your limits by speaking to your insurance agent, which will increase your rates.

What are the recommended insurance coverage limits? Read through the next few sections to have general liability insurance limits, minimum auto insurance liability limits, and additional car insurance liability limits  explained.

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What are the minimum car insurance limits I must carry?

How do you read a liability limit? What does 25K, 50K, 25K mean? Or 25/50/25? If your liability limits are for 25/50/25, this correlates to:

  • $25,000 of bodily injury coverage per person injured in an accident
  • $50,000 of total bodily injury coverage per accident
  • $25,000 for the property damages.

Your rates will be based on the amount of coverage you select. Each state has set a minimum car coverage limit for the amount of liability auto insurance coverage you must carry. Take a look at this table (which we populated with Insurance Information Institute data) to see the minimum liability auto coverage limits in your state.

Minimum Car Insurance Coverage Requirements by State
StateInsurance RequiredMinimum Limits
AlabamaBI & PD liability25/50/25
AlaskaBI & PD liability50/100/25
ArizonaBI & PD liability25/50/15
ArkansasBI & PD liability, PIP25/50/25
CaliforniaBI & PD liability15/30/5
ColoradoBI & PD liability25/50/15
ConnecticutBI & PD liability, UM, UIM25/50/25
DelawareBI & PD liability, PIP25/50/10
D.C.BI & PD liability, UM25/50/10
FloridaPD liability, PIP10/20/10
GeorgiaBI & PD liability25/50/25
HawaiiBI & PD liability, PIP20/40/10
IdahoBI & PD liability25/50/15
IllinoisBI & PD liability, UM, UIM25/50/20
IndianaBI & PD liability25/50/25
IowaBI & PD liability20/40/15
KansasBI & PD liability, PIP25/50/25
KentuckyBI & PD liability, PIP, UM, UIM25/50/25
LouisianaBI & PD liability15/30/25
MaineBI & PD liability, UM, UIM, Medpay50/100/25
MarylandBI & PD Liability, PIP, UM, UIM30/60/15
MassachusettsBI & PD liability, PIP20/40/5
MichiganBI & PD liability, PIP20/40/10
MinnesotaBI & PD liability, PIP, UM, UIM30/60/10
MississippiBI & PD liability25/50/25
MissouriBI & PD liability, UM25/50/25
MontanaBI & PD liability25/50/20
NebraskaBI & PD liability, UM, UIM25/50/25
NevadaBI & PD liability25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD liability, PIP, UM, UIM15/30/5
New MexicoBI & PD liability25/50/10
New YorkBI & PD liability, PIP, UM, UIM25/50/10
North CarolinaBI & PD liability, UM, UIM30/60/25
North DakotaBI & PD liability, PIP, UM, UIM25/50/25
OhioBI & PD liability25/50/25
OklahomaBI & PD liability25/50/25
OregonBI & PD liability, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD liability, PIP15/30/5
Rhode IslandBI & PD liability25/50/25
South CarolinaBI & PD liability, UM25/50/25
South DakotaBI & PD liability, UM, UIM25/50/25
TennesseeBI & PD liability25/50/15
TexasBI & PD liability, PIP30/60/25
UtahBI & PD liability, PIP25/65/15
VermontBI & PD liability, UM, UIM25/50/10
VirginiaBI & PD liability, UM, UIM25/50/20
WashingtonBI & PD liability25/50/10
West VirginiaBI & PD liability, UM, UIM25/50/25
WisconsinBI & PD liability, UM, Medpay25/50/10
WyomingBI & PD liability25/50/20
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For convenience, we summarized and defined the acronyms and abbreviations in the previous table. Take a look.

Minimum Liability Car Insurance Abbreviations
AbbreviationMeaning
BIBodily Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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Typically, those minimum limits are too low to fully protect you. So what auto liability limits should I carry?

The real trick is choosing the right amount of coverage so that the coverage limits are enough to cover all of the costs, from medical care to auto repair, without you having to pay anything out-of-pocket (besides your deductible).

The reason this can be tricky is that there is no real consensus on how much coverage you need to have.

Some insurance agents will recommend you purchase as much coverage as you can afford, while others will suggest specific amounts based on your driving history and the cost of your vehicle.

Many industry experts recommend liability amounts of 100/300/100 to adequately protect you in the event you cause an accident that results in significant bodily harm and property damage.

In addition to liability limits, no-fault states require that you carry personal injury protection (PIP) in a specific amount to pay for your own medical costs in an accident.

Other coverage options like collision and comprehensive can also be purchased, based on your vehicle.

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What types of car insurance coverage are available?

There are a number of base coverage types you can include on your policy, depending on your needs. Read through this section to have basic auto insurance coverage explained.

Liability coverage – There are two types of coverage included in liability.

  • Bodily injury – If you are in an accident and do not have enough insurance to cover the other driver’s medical costs you could be sued.
  •  Property damage – This coverage will pay for repairs or replacing the other car if it is damaged in the accident.

Collision coverage – This coverage is for accidents when colliding with other cars or structures like buildings or poles. It will cover your own vehicle. Take a look at this video for more.

Comprehensive coverage – Comprehensive coverage will pay if your car is damaged by things like hail, fire, or vandalism. Watch this video to learn more.

Uninsured/ underinsured motorist coverage – This will kick in if you are not at fault in an accident, but the offending party does not have enough insurance to cover your damages. It also covers you in a hit and run situation. Take a minute and watch this video to find out more.

Personal injury protection coverage – Personal injury protection coverage is required by some states. This coverage pays for the medical costs of the policyholder. This is a very important coverage to have if the policyholder does not have health insurance. Want to learn more? Watch this video.

As you saw in the previous section, some of this coverage is mandated by law, while other coverage (like collision and comprehensive) is typically voluntary.

The exception to this is if you have a car loan. Most often, lenders require a certain amount of collision and comprehensive coverage be included on your policy under the terms of the loan, as a way to protect their investment until you own the vehicle outright.

What factors should I consider when choosing my car insurance limits?

Wondering how to choose auto insurance coverage limits and amounts? The first thing that you will want to do is to look up the statistics on the average cost of auto accidents in your state.

You can find this information in a number of places but it might be easiest to do a search for accident statistics with your state’s name attached (for example, you can look at accident statistics in New York by going to the New York Department of Motor Vehicles website).

Some sites will break down the costs for different types of accidents, such as accidents with minor injuries, accidents involving multiple vehicles, accidents with serious injuries, and so on.

Once you have found the statistics for your state, choose a level of coverage that will cover the average cost of a serious accident in your area. This will be sufficient for most types of accidents.

If you live in a city with a lot of accidents with serious injuries, you may want to consider increasing your liability coverage.

For collision and comprehensive coverage limits, you want to ensure that you purchase enough coverage limits to cover the full cost of your vehicle.

Collision coverage is the insurance that pays for damages to your vehicle when you cause an accident. Your insurance company will not pay more than the Kelly Blue Book value of your vehicle, so there is no point in carrying more insurance than necessary.

Your comprehensive coverage protects you from costs incurred by damage from natural disasters, vandalism, theft, etc. and the same policy applies, you don’t need any more than the blue book value of your vehicle.

Another thing to consider is your personal financial situation. When you cause an accident, if you live in a tort or at-fault state you can be sued for losses that are incurred in an accident.

There are those individuals who will tell you that if you don’t have a lot of assets to worry about that you shouldn’t be concerned about getting sued.

The truth is that if you are sued and you lose your case (and if you caused the accident, you probably will lose), your future assets could be in jeopardy as well.

If you eventually purchase a house, for example, the people who sued you can petition the court for your home, as well as your car, money you have in the bank, and so on.

You don’t want to risk this; purchase enough liability coverage to cover a serious accident (again, refer to your state’s statistics).

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How do I save money on my coverage?

Purchasing higher levels of coverage means that your insurance rate is going to increase. If you purchase comprehensive and/or collision insurance, then you can save money by increasing your deductible amount.

The key to choosing your deductible is selecting one that you can afford. There are several levels to choose from, but to have a real effect on your premium, you should have at least a $1,000 deductible.

If you are cash poor and can’t afford the $1,000 deductible, it is better to pay a higher rate and keep the lower deductible.

In order to save money on your other liability insurance, you are going to have to depend on discounts offered by your insurance carrier.

The discounts offered vary and some insurance companies offer a myriad of discounts while others only offer a couple of different discount options. Take a look at this table to see what we mean.

Car Insurance Companies Offering Discounts
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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Contact your insurance company to determine whether or not there are any discounts that you aren’t currently getting that you qualify for.

Lastly, you will want to ensure you are getting the best price on your insurance.

What should you be paying for your coverage? It depends on the type, coverage limit, where you live, your driving record, and a number of other factors, but to give you an idea of what you might pay, we’ve summarized average rate data for each state in this table. Take a look.

Average Annual Full Coverage Auto Insurance Rates by State
StatesAverage Annual Full Coverage Rates
Idaho$673.13
Iowa$683.67
Maine$689.12
Wisconsin$716.83
Indiana$728.93
South Dakota$744.28
Vermont$746.79
Ohio$766.66
North Dakota$768.09
North Carolina$768.28
New Hampshire$795.50
Nebraska$805.99
Virginia$836.14
Alabama$837.09
Wyoming$844.33
Missouri$845.39
Kansas$850.79
Utah$852.66
Illinois$854.10
Tennessee$855.56
Minnesota$856.62
Hawaii$858.16
Montana$868.55
Oregon$894.10
Arkansas$900.18
Kentucky$917.49
New Mexico$920.42
South Carolina$936.69
Colorado$939.52
Pennsylvania$950.42
California$951.75
Washington$952.10
Mississippi$957.59
Arizona$961.88
Countrywide$981.77
Oklahoma$985.58
Georgia$991.25
West Virginia$1,032.45
Alaska$1,050.09
Texas$1,066.20
Nevada$1,083.42
Maryland$1,096.37
Massachusetts$1,107.76
Connecticut$1,132.78
Florida$1,208.77
Delaware$1,215.69
Rhode Island$1,257.40
District of Columbia$1,324.39
New York$1,327.82
Louisiana$1,364.17
New Jersey$1,379.20
Michigan$2,611
Average$1,943.80
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Keep in mind these averages are not necessarily reflective of what you’ll pay, but can be used as a baseline to help you gauge whether a quote is fair.

The best way to find affordable coverage is by getting an auto insurance quote. Using a quote tool is an easy way to determine how much your insurance is going to cost you.

Of course, to get the best discounts, you need to get quotes from several companies.

To save time, you should use a free quote tool offered by an independent source, like the one on this page, as opposed to one offered by a company that is biased in its own favor.

These rate quote tools allow you to get the quotes that you need from all of the companies that you want so that you can compare them side-by-side. Plus, this is much faster and easier than visiting individual websites.

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How do I find a car insurance company that meets my needs?

Choosing the right insurance company is just as important as choosing the right per-accident limits. When choosing your insurance company there are some things that you want to consider.

  1. First of all, you want to consider the reputation of the company. You should only consider auto insurance companies that have an excellent reputation for paying claims. If you have an accident, you don’t want to fight with your insurer to get money for repairs.
  2. Second, you want to consider how they treat you as a customer. You can check the Better Business Bureau and your state’s Department of Insurance to see how a company resolves any issues they have.
  3. Third, you should also consider the length of time the company has been in business and their financial security. You can check how an insurance company is doing financially by checking with companies like A.M. Best, Fitch, and Standard & Poor’s.

Once you get a quote, our rate quote device can save your profile (and your quotes) so that you can do the research you need. Once you’re done, come back to your profile, click on the company you have chosen, and finish the process of purchasing your auto insurance.

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The Bottom Line for Car Insurance Coverage Limits

What are insurance coverage limits? In this article we explained that auto insurance coverage limits are the maximum amount a car insurance company will pay per accident.

With this in mind, it follows that it is important to ensure when you purchase your auto insurance policy that you have the right coverage and limits for your unique needs.

Determining the risks you face on the road, how likely you are to get in an accident in your state, and the average cost of an accident in your state can help you determine the normal auto insurance coverage limits you’ll need.

Frequently Asked Questions: Car Insurance Coverage Limits

Still have questions about auto policy coverage limits? Need commercial general liability limits explained? Read these frequently asked questions to learn more.

#1 – What are commercial general liability limits?

To have commercial general liability limits explained, we’ll take a look at commercial liability coverage. Essentially, for commercial liability coverage, the general liability limit refers to the maximum amount of money an insurer will pay out to an insured for a set time period (which will be defined by the terms of the policy).

#2 – What are special limits of liability

Special limits of liability are exactly what they sound like: the maximum amount an insurance company will pay out for special or additional coverage.

This is typically applicable to home and renters insurance rather than the auto liability limits we’ve explained already. Often, special limits of liability can be purchased for jewelry, valuables, etc.

Now that you’ve had car insurance liability limits explained, are you ready to get started? Use your ZIP code to start comparing rates today to make sure you have the coverage types and limits you need for your unique situation.