You can buy cheaper auto liability than we quote. We don't sell to the state minimum on purpose — and it's worth understanding why before you chase the lowest number.
Limits like 100/300/100 read as $100,000 bodily injury per person / $300,000 per accident / $100,000 property damage. State-minimum limits are often a fraction of that. They're legal to drive on — and dangerously thin if you actually cause a serious wreck.
One hospital stay blows past a low per-person limit fast. Total someone's newer vehicle and a minimum property-damage limit won't cover it. When the limit runs out, the injured party can come after you — your wages, your savings, your home — for the rest.
It's the point where the coverage actually protects your assets in a real accident, not just satisfies the DMV. The premium difference between state minimum and a real limit is usually far smaller than people expect — often a modest monthly amount for a large jump in protection. See our home & auto page.
Plenty of drivers carry the bare minimum, or nothing. Uninsured/underinsured motorist coverage protects you when the other driver can't pay. We quote it alongside your liability.
One caution: buying the minimum to save a few dollars a month is a bet against your own future income. It's the wrong place to save.
We'll quote state minimum and 100/300/100 side by side and show you the numbers. Usually a small difference for a large jump in protection.
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