How Much Does Auto Insurance Cover? 
Most States have a mandatory liability law that means the State prescribes the MINIMUM amount that is required to drive on their highways . This limits varies by State - in Texas , the minimum is $ 30,000 Bodily Injury per person , $ 60,000 Bodily Injury per accident and $ 25,000 Property Damage per accident . You should carry enough liability protection to protect your assets but only YOU can decide what is enough . If I told you $ 100,000 and you were sued for $ 300,000 ... $ 100,000 would NOT be enough . Better to HAVE it and not NEED it than to NEED it and not HAVE it . Other coverages provide protection for your car . In some States , you can by Uninsured Motorist coverage to protect you from an uninsured motorist . Some States -LRB- Michigan comes to mind -RRB- are No Fault states ... and that 's a completely different can of worms . 