Auto Liability Coverage Minimums

State minimums shown vs recommended; coverage shortfall risk.

Inputs

Result

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How to use this calculator

  • Pick state minimum profile.
  • Enter income + assets.

About this calculator

State minimums are absolute floor. Lawsuit exposure scales with your wealth: high-net-worth defendants attract larger judgments. Rule: BI per accident should at least equal (5× annual income + assets). Or buy umbrella policy (cheap: ~$200-400/yr for $1M coverage). State DOI websites list each state's mandates — most are 25/50/25 or lower (way below modern medical costs).

Frequently asked

What's 25/50/25 mean?+
$25k bodily injury per person / $50k per accident / $25k property damage per accident.
Are state minimums enough?+
Almost never. Single hospital ICU stay can exceed $100k. Most attorneys recommend 100/300/100 minimum.
Umbrella policy?+
$1M umbrella coverage typically $200-400/yr. Requires you carry 250/500 underlying auto + adequate home liability.
No-fault states?+
12 states + DC have some no-fault rules. Affects PIP coverage; doesn't eliminate need for liability.
Uninsured motorist?+
Separate but critical — covers you if hit by uninsured/under-insured driver. Match your liability limits.

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