Where the Minimums Show Up
State liability insurance minimums appear in the "Coverage Limits" section of the policy. The document is divided into two main parts: the front cover and the back page. The front cover lists the primary liability limits as a single line, while the back page breaks them down into sub‑limits for bodily injury per person, bodily injury per accident, and property damage. The numbers are shown in thousands of dollars, e.g. 25/50/25 for a typical 25‑$25‑$50 policy.
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Interpreting the Numbers
The first figure is the limit per person injured in an accident. The second figure is the total limit for all injuries in one accident, regardless of how many people are involved. The third figure is the limit for property damage in a single accident. States mandate minimums such as 25/50/25, 30/60/25, or 40/80/25, but many insurers offer higher limits as optional coverage.
Why the Table Matters
| State | Minimum Liability Limits (Bodily Injury / Property Damage) |
|---|---|
| California | 15/30/5 |
| Texas | 25/50/25 |
| Florida | 10/20/5 |
Finding Your Policy's Limits
Locate the policy number on the front cover and scroll to the "Coverage Limits" page. The numbers will be printed in a bold font. If your policy shows higher figures, you likely purchased a higher‑limit plan or a "recommended" option from the insurer. Always compare the listed limits with your state's minimums to ensure compliance.
Adjusting Your Coverage
Drivers who drive more frequently, carry higher assets, or live in high‑claim areas often choose limits above the state minimums. Contact your agent to discuss adding additional coverage, such as higher bodily injury limits or umbrella policies, which provide protection beyond the statutory caps.