Choosing the minimum amount of coverage your state requires can save you a few dollars every month, but it can’t protect your financial security in the long run. If the state minimum for Bodily Injury Liability is $15,000, you should have at least $100,000. If your state requires you to have Liability coverage of $30,000 per accident, have at least $300,000. If the state minimum for Property Damage Liability is $5000, have at least $50,000. To protect yourself against Uninsured/Underinsured Motorists, you should have a minimum of $100,000 coverage per person, and $300,000 per occurrence—even if your state doesn’t require it.