How much car insurance do I need as a safe, 55-year-old male driver?

In the 30-plus years I've been driving, I've never been in an accident or gotten a ticket. How much car insurance do I really need?

“No matter how safe you are as a driver, you can never have too much car insurance coverage. The general rule is that you should buy as much coverage as you can comfortably afford.
Even the safest drivers get into accidents, and just because you’re a safe driver doesn’t mean that everyone else is.
Some states only require you to have liability insurance. Other states might require you to have personal injury protection (PIP) or uninsured/underinsured motorist coverage.
Your state’s car insurance minimums should be viewed as a starting point for coverage. Add more coverage if you have room in your budget.
For example, for most drivers, liability coverage of 100/300/100 is sufficient. This covers $100,000 per person and $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability.
Comprehensive and collision coverage are optional if you’re not financing or leasing your car, but they can also provide valuable coverage. Consider buying one or both coverages to protect your car from physical damage.”
Emily Richey
Answered on May 31, 2021

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