How much car insurance do you need?

Each state has laws establishing the minimum levels of car insurance coverage that individuals must have. For example, 50/100/25 means that the limits for bodily injury liability coverage are $50,000 for each person and up to a maximum of $100,000 per car accident. The property damage liability insurance coverage would be $25,000 per car accident.

These laws are unique according the state that you live in. We recommend that you contact your state insurance commisioner to find out the exact amount of car insurance coverage that is required in your state.

State minimums may not cover the cost of a serious accident. When available we generally recommend higher levels of car insurance coverage. You should consult our car insurance Recommended Coverages section to determine the right amount of car insurance coverage for your specific situation. This section will state the required state car insurance minimums for Maryland. It will also tell you the car insurance coverage levels that we recommend.

Avoid over-insuring because of the fact that umbrella and personal medical policies can sometimes substitute for certain types of car insurance protection.