How Much Liability Coverage Do You Need?
Add up what a lawsuit could reach to see a suggested range of liability limits.
Why limits matter
If you cause a serious accident and the damages exceed your liability limits, you can be responsible for the difference. Your savings, home equity and future income may be at risk.
A rule of thumb
A common rule of thumb is to carry liability limits that at least match what you could lose. This calculator turns that idea into a suggested range. An umbrella policy can add protection on top of your auto limits.
See also: what liability coverage is and how much coverage you need.
An estimate for planning, not insurance advice.
FAQs
Is this a recommendation?
No. It is a rule of thumb. A licensed agent can tailor coverage to your situation.
What do liability limits like 100/300/100 mean?
$100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage.
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