Auto Coverage Calculator
How much liability coverage do you actually need? Most people are underinsured by 40%. I built this after seeing too many claims where the policy limit was exhausted in the first 48 hours.
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How This Works
The old rule of thumb says 100/300/100. That's $100K per person, $300K per accident, $100K property damage. But that rule was written in 1995 when the average new car cost $15,000. Today? The average new car is $48,000. Medical costs have tripled. That old rule is dangerously outdated.
Here's what I actually recommend: your liability coverage should equal your total net worth plus 2-3 years of income. Why? Because in a serious accident, plaintiffs' attorneys will sue for everything you have, plus future earnings. I've seen it happen.
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