Tools

Liability Coverage Calculator

State minimums are a legal floor, not a safe target. Enter your assets and income to see a coverage level that actually protects you.

Total assets ($)Annual income ($)State minimum per-person BI ($)

Per person (BI)

$250,000

Per accident (BI)

$500,000

Property damage

$100,000

This is a rule-of-thumb estimate, not legal or financial advice. Confirm exact limits and pricing with a licensed agent or your state’s Department of Insurance.