What 100 300 Auto Insurance Means
100 300 auto insurance is a split-limit bodily injury liability policy that covers up to $100,000 for one injured person and up to $300,000 total for all injured people in a single accident. These limits apply only to the other party's medical costs, lost wages, and pain and suffering when you are at fault; they do not pay for your own injuries or vehicle damage.
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How the Split Limit Works
The first number, $100,000, is the per-person cap. If someone incurs $150,000 in bills from a crash you caused, your insurer pays $100,000 and you are responsible for the remaining $50,000. The second number, $300,000, is the per-accident cap that applies regardless of how many people are hurt. If three people each claim $100,000, the total payout maxes out at $300,000.
What This Coverage Does and Does Not Cover
100 300 auto insurance applies to bodily injury liability only. It does not cover property damage to vehicles, fences, or buildings, and it does not reimburse you or your passengers. That is why drivers often pair it with property damage liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
Bodily Injury Liability
Covers the other driver's and passengers' medical treatment, rehabilitation, and related losses when you are legally at fault.
Not Included
Your own medical bills, vehicle repairs, and damage to third-party property all fall outside a 100 300 split limit unless you carry additional coverage.
Why 100 300 Is a Common Choice
Many states require minimum limits well below 100 300, but drivers frequently select this tier because it offers a meaningful step above the base requirement. It provides a reasonable buffer against moderate-to-severe injury claims, while keeping premiums more affordable than a 250 500 or 500 1000 policy. The right limit depends on your state's minimums, your assets, and how much financial exposure you are willing to retain.
Who Should Consider 100 300 Auto Insurance
100 300 auto insurance fits drivers with moderate assets, a clean driving record, and a vehicle that is not financed or leased. If you lease or finance your car, the lender may require higher limits and full coverage. Drivers with significant savings, a home, or other substantial assets often carry higher limits or an umbrella policy for added protection.
Factors That Influence the Cost
- State minimum requirements and tort environment
- Your driving history and claims record
- Annual mileage and usage patterns
- Credit-based insurance score where permitted
- Choice of deductible and supplemental coverages
Because premiums vary widely by insurer and region, comparing quotes with identical limit structures is the most reliable way to price a 100 300 policy accurately.