What Is a Good Amount for Bodily Injury Coverage?

Choosing the right level of bodily injury liability coverage can make the difference between full protection and serious financial loss. Here’s how to decide what’s good for you.

1. Why Bodily Injury Coverage Is Essential

Bodily injury liability coverage pays when you’re found legally responsible for injuries to others—commonly in car accidents or property-related incidents. It covers:

• Medical expenses

• Legal defense and court fees

• Settlements or judgments

• Lost wages and pain & suffering (when applicable)

Without adequate limits, you risk paying out of pocket for claims that exceed your policy.

2. What Is a Good Amount for Bodily Injury Coverage?

The right amount depends on your assets, income, and risk exposure. Here’s a general breakdown:

• $100,000 / $300,000 — Meets minimum requirements in many states but may fall short in severe cases

• $250,000 / $500,000 — A balanced level for most drivers, offering strong protection at an affordable price

• $500,000 / $1,000,000 or higher — Ideal if you own property, have significant savings, or want maximum peace of mind

A good amount usually means having at least enough to protect all your assets from lawsuits.

3. What to Consider When Choosing Limits

Ask yourself:

• What are my net assets (home, car, savings, investments)?

• Can I afford to lose them in a lawsuit?

• Do I live in a high-traffic or high-risk area?

• Do I want future-proof protection as costs and claims increase?

If you’re unsure, go with the higher limit. In many cases, the price difference is minimal compared to the added protection.

4. Typical Recommendations

Higher coverage also reduces the chance of needing umbrella insurance as a supplement.

5. Don’t Guess—Get Help

Many people underestimate how costly injury claims can be. Choosing the right amount of coverage shouldn’t be a guess.

Want help determining what’s a good amount for your situation?
With 30+ years of experience and access to nearly 100 carriers, THAgency will compare policies and recommend the perfect coverage limit for your needs. Submit your request today—fast, safe, and with no pressure.