Most drivers carry only their state's minimum liability — and most state minimums haven't been raised in decades. A single ER visit can blow past a $25,000 bodily injury limit before lunch.
Start with liability, not collision
Liability protects everyone except you. If you have any savings or income worth protecting, carry at least 100/300/100 (bodily injury per person / per accident / property damage).
Match collision to your car's value
If the annual collision premium exceeds 10% of your car's value, drop it.
Don't skip uninsured motorist
One in eight U.S. drivers is uninsured. UM/UIM is among the cheapest coverage you can buy and the most likely to save you in a serious crash.
Use our calculator
Our Auto Insurance Estimator walks through every coverage decision and produces a personalized premium estimate by state.