Car insurance coverage calculator
Liability limits exist to protect your assets. Do yours?
Most people set their liability limits once, at whatever the quote defaulted to, and never revisit them while their assets grow.
This compares the two directly: what you'd have at risk in a serious at-fault claim, against the limit that stands between it and a judgment.
Liability exposure
- Assets above your liability limit
- $90,000
- Total assets entered
- $190,000
- Your bodily injury limit
- $100,000
- Your property damage limit
- $50,000
- Income also at risk?
- Possibly
A serious at-fault claim above $100,000 could reach the remaining $90,000.
Home equity $120,000 + savings $45,000 + other $25,000
Per person. A single serious injury claim can exceed six figures quickly.
Worth checking against the cost of replacing a modern vehicle plus any structure you might hit.
Some states allow future wages to be garnished to satisfy a judgment. Asset totals understate the exposure where that applies.
A rough exposure check, not legal advice. Asset protection rules, garnishment, and exemptions vary by state. If the gap is large, ask a licensed professional about higher limits or an umbrella policy.
Why liability is the limit that matters
Collision and comprehensive protect a car worth a known amount. Liability protects everything you own against a number nobody can predict.
If a claim exceeds your limit, the difference can come from you — which is why state minimums, set by legislation rather than by your circumstances, are a floor rather than a recommendation.
Assets understate the exposure
Some states allow future wages to be garnished to satisfy a judgment, so the figure at risk isn't limited to what you hold today. Protections and exemptions vary considerably by state — confirm yours.
If the gap is large
Raising limits is often cheaper than people expect, because severe claims are rare. An umbrella policy sitting above your auto and home limits is the other route. Both are worth pricing before assuming you can't afford them.
Turn this into a real number
A calculator works with the figures you give it. A licensed insurance professional can tell you what’s actually available to you and what it would cost.
This tool performs arithmetic on the figures you enter. It does not estimate premiums, predict approval, or account for your state’s rules. Quote My Policy LLC is a licensed insurance producer.