Most states mandate that you carry automobile insurance and have laws outlining the minimum amount of liability coverage you must purchase.
However, those minimum amounts may not be enough, especially if you're in an accident. The cost of a car accident can be much more than the limits required by most states. The Insurance Information Institute recommends that you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).
Auto insurance minimums
|District of Columbia||25/50/5|
What do those three auto liability insurance numbers mean?Perhaps you've wondered about the three numbers that are part of the auto liability insurance that you bought.
- The first number is the bodily injury liability maximum coverage for one individual who's injured in an auto accident.
- The second number is the maximum amount of bodily injury liability coverage per accident.
- The third number represents the maximum amount of property damage liability, and it's per vehicle.