It's generally agreed among insurance professionals that the state minimum policy limits aren't enough. In many cases limits of "100/300/100" are appropriate. In others "250/500/250" may make more sense. This means: $100,000 ($250,000) per person for bodily injury $300,000 ($500,000) per accident for bodily injury $100,000 ($250,000) per accident for property damage The limits most appropriate for you will depend on a number of factors. Because in most areas medical treatment runs within a certain cost range, the limit for covering property damage is the one you may want to take into account. If you live in an area where you feel that even a common accident, that was your fault, would generate property damage of more than $100,000, you may want to consider higher limits. Remember, property damage is the value of the other person's car plus any other property damaged during the accident if you're at fault.