Coverage calculator
State minimums are a legal floor, not a recommendation. This estimates a more realistic liability limit based on what you'd actually stand to lose in a bad claim.
Your recommendation will appear here.
Why this matters
If you cause an accident and the damages exceed your liability limit, you are personally responsible for the difference — and that can include wage garnishment or a lien against your home in many states. Coverage this thin is rarely worth the premium savings once you have real assets to protect.