How Much Auto Insurance Should I Have? 
I always recommend the highest limits of liability that you can afford . If you have a good insurance score , and a clean driving record , the premium difference between 50/100 -LRB- 50k per person/100k per accident -RRB- and 100/300 will not be much relatively speaking . Also , it is a good idea to have a high limit of liability for property damage , such as $ 100,000 . The national average vehicle liability award in 2008 was $ 326,628 . That said , I always recommend at least 250/500 limits of liability . Additionally , I always recommend having an `` umbrella policy '' to increase your limits of liability . Ask your insurance agent for a quote on a $ 1,000,000 umbrella policy . Be sure to tell your agent of all properties or vehicles titled to you . 