Auto Insurance Coverage Calculator
Find the right liability limits for your situation
Why Coverage Matters
If you cause an accident with damages exceeding your coverage, you're personally liable for the difference. Your home, savings, and even future wages could be at risk.
Assets at Risk
$
$
$
$
$
Current Liability Coverage
Umbrella Policy
Your Vehicle
$
Potentially Underinsured
Your total exposure ($1.0M) exceeds your coverage ($100K) by $900K
Total Assets
$500K
Your Coverage
$100K
Coverage Gap
$900K
Risk vs. Coverage
Recommendations
Liability Coverage
Consider upgrading to at least 500/500/500 coverage
Umbrella Policy Recommended
With $1.0M in total exposure, consider a $1.0M umbrella policy. Typical cost: $150-$300/year for $1M.
Disclaimer: This calculator provides general guidance. Coverage needs depend on state laws, driving history, and personal circumstances. Consult an insurance professional for personalized advice.