Is 50/100/50 liability insurance enough coverage in Los Angeles?

I'm a 30-year-old man who lives in Los Angeles. I've never had a speeding ticket or gotten into an accident. I currently have 50/100/50 liability insurance, but I'm not sure if that's enough.

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Although you’re well above the 15/30/5 minimum insurance requirement, 50/100/50 coverage may still not be enough for you to be comfortable.
Think about the amount of traffic congestion in Los Angeles, the cost of medical bills, and the amount of high-end and luxury cars in the area. This trifecta of issues can easily mean that your 50/100/50 liability insurance won’t provide enough coverage.
To that degree, most drivers who want peace of mind and protection opt for liability insurance that’s at least 100/300/100. With this amount of coverage, it’s unlikely that you would ever have to pay out of pocket.
Just make sure to shop around for quotes so you’re paying a reasonable amount. You can start looking for quotes with the free Jerry app.”

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