How much Liability coverage do I need?
Every state has their own minimums for Liability. So the least (and cheapest) amount of coverage you need depends on where you live. Learn your state minimums. While you don’t need to carry more than your state minimum, you should consider how much risk you’re willing to accept if you’re in an accident.
Choosing your coverage
When customizing your Liability coverage in the app, you choose a limit. The limit is the maximum amount Root will pay out per accident, no matter how many people are injured or how much property is damaged. You will pay for any costs above and beyond your limits.
Your Bodily Injury limits consist of the maximum amount Root will pay per person and the maximum amount Root will pay per accident. For example, for a limit of $25,000/$50,000, Root would cover up to $25,000 for each injured person and up to $50,000 total per accident. You would pay for any costs above those limits. Your Property Damage limit is the maximum amount Root will pay per accident to repair or replace property damage (often the other parties’ cars). For example, if you choose a $25,000 limit, Root would pay up to that amount. You would pay for any costs above and beyond your limit.
How much does Liability insurance cost?
The cost of Liability coverage depends on the limits you choose.
Higher limits will raise your monthly or 6-month insurance rate, but you’ll have more coverage if you ever cause an accident. That lowers your chances of having to pay anything out of pocket.
Lower limits will give you a lower rate, but you will have less coverage. If you ever cause an accident, you would be responsible for any costs above your limit.