I ran a quote with my name/address (WA 98110) and my 2003 s-10 with progressive, because they're relatively easy. I don't think they pulled my records, but they did know about my cars from my address, so... Long term driver, no tickets or accidents in 20+ years; 42 year old male.
It's common to have coverage will be reported as single injury/multiple injury/property in thousands. Six months coverage, paid up front.
For state minimum 25/50/10, I've got a quote of $117.
The max separate limit quote is 250/500/100 for $158.
They also quoted a combined single limit (which I think can be used for any mix of injury and property damage?) from 100k for $134 to 500k for $165.
This is just for liability. Uninsured/underinsured coverage is extra (I'd recommend it, but leaving it out for ease of comparison). Comprehensive and collision is extra (and I wouldn't get it on a 20 year old vehicle unless it's a collector's car, but that probably needs specialty insurance).
From this quote (which may not be accurate or representative, more data welcome), it seems like paying about 50% more, takes the coverage from about $60k to about $500k of liability. It doesn't make a lot of sense IMHO to not consider taking the max coverage. If you want more, umbrella policies are available and also not usually very expensive until somewhere around $5-10M of coverage, depending on your insurer.
Yes. I’d like more, but that was the most I could do. I think the minimum is 25 grand. If I get run over by a car, I do not think 25 grand will quite make up that loss to my family.
