Auto Liability Limits — How Much Do You Actually Need (2026)
Auto Liability Limits — How Much Do You Actually Need (2026)
Question: should I get $100K/$300K or $300K/$300K auto liability
PolicyChat Verdict
For your situation (household income ~$100,000, assets ~$250,000), go with $500K/$500K + umbrella policy liability. Yes it’s $8-18/mo more than $100K/$300K, but if you’re sued for more than your limits, your personal assets are on the line.
Estimated cost range: $15–$30/mo
Competitive set evaluated: Geico, Progressive, State Farm, Allstate, USAA
Why this recommendation
PolicyChat methodology: liability limits should be at least 1.5-2× your annual income OR asset value (whichever is higher). Carriers tier liability in standard brackets ($25/$50, $50/$100, $100/$300, $300/$300, $500/$500, $1M+). For most US households, $300K/$300K is the right answer; high-asset households need umbrella beyond that.
Methodology
See our full methodology on liability limits. This recommendation is at confidence tier validated.
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