Auto Insurance Coverage Recommender
Select your state to see the legal minimum liability requirements alongside commonly recommended coverage levels. Includes framework guidance on comprehensive/collision, uninsured motorist, and umbrella policy decisions. Not a premium estimator — premium varies too much by driver profile to give useful single-number estimates without carrier data.
Your State
Recommended Coverage
Decision Framework
Why not a premium estimator?
Published state-average premiums vary ±50%+ by driver profile (age, credit score, prior claims, ZIP code, coverage limits, vehicle). Any single-number “your premium is $X” estimate without your specific inputs is misleading — you'll compare it to your real quote, find them wildly different, and either overpay because the estimate primed you high or underinsure because it primed you low. Get 3–5 actual quotes from real carriers instead. Progressive, GEICO, State Farm, and USAA (if eligible) are usually good starting points, plus a local independent broker who can quote multiple regional carriers.
Read the 25/50/25 notation
Liability is written as three numbers in thousands: bodily injury per person / bodily injury per accident / property damage per accident. 25/50/25 means $25k max per injured person, $50k max total bodily injury per accident, $25k max property damage per accident. State minimums are legal-to-drive limits, not adequate-to-protect-your-assets limits.
Why 100/300/100 is the common recommendation
A moderately serious accident with hospitalization can easily exceed state minimums; when liability judgment exceeds your policy limits, plaintiffs come after your personal assets. 100/300/100 covers most non-catastrophic scenarios. For net worth above ~$300k, consider even higher limits or an umbrella policy ($1M+ coverage typically $150–$300/yr) that stacks on top of auto and homeowners liability.
Comprehensive + collision decision
Rule of thumb: if your vehicle is worth less than 10× your annual comp+collision premium (plus deductible), drop those coverages. On a $3,000 car with $500/yr comp+collision and $1,000 deductible, you're paying $500/yr to protect against a $2,000 loss — poor economics. On a $30k car those same coverages are usually worth keeping. This calculator suggests based on vehicle value, but the answer depends on your specific quotes.