100/300 car insurance is a common liability coverage level in the US. The numbers represent the maximum amounts (in thousands of dollars) your insurance will pay for injuries to others in an accident you cause. Specifically, $100,000 per person for bodily injury and a total of $300,000 per accident. This coverage is crucial as it protects your personal assets if you're found at fault in a serious crash.
Liability insurance is mandatory in most states, but the minimum required levels are often far lower than 100/300. For example, California's minimum is only 15/30. Choosing 100/300 provides a much stronger financial safety net. If you cause an accident with severe injuries, medical costs can easily exceed low state minimums, leaving you personally responsible for the difference. This coverage only pays for others' injuries and property damage (which requires a separate limit, like 100/300/100); it does not cover your own vehicle or injuries.
This coverage level is often recommended for drivers with moderate assets, such as a home or savings, to protect them from lawsuits. It's a significant step up from basic insurance.
| State | Minimum Bodily Injury Liability (per person/per accident) | Property Damage Liability | Is 100/300 Coverage Recommended? |
|---|
| California | $15,000 / $30,000 | $5,000 | Strongly Recommended |
| Texas | $30,000 / $60,000 | $25,000 | Recommended |
| Florida* | $0 / $0 | $10,000 | Highly Recommended |
| New York | $25,000 / $50,000 | $10,000 | Recommended |
| Ohio | $25,000 / $50,000 | $25,000 | Recommended |
| Illinois | $25,000 / $50,000 | $20,000 | Recommended |
| Pennsylvania | $15,000 / $30,000 | $5,000 | Strongly Recommended |
*Florida does not require BI liability but requires PIP (Personal Injury Protection).
