Why State Minimum Liability Limits Are Almost Always Too Low
January 28, 2025 · 6 min read
Florida's 10/20/10 minimum was set in 1971. A modern emergency room visit can exceed those limits in a single ambulance ride.
What "25/50/25" actually means
$25,000 bodily injury per person, $50,000 total per accident, $25,000 property damage.
What we recommend
For most middle-income households: 100/300/100 minimum. Pair with an umbrella policy if your net worth exceeds your liability limits.