$50,000 for property damage per accident; In some states, you can buy a policy with one combined limit for injuries and property damage per accident. State requirements. Most states require car owners to buy liability insurance. read more
In Texas, the minimum amount for property damage liability coverage is $25,000. In Nevada, it's $10,000. A limit is the maximum amount your policy will pay for a covered claim. You can choose your liability coverage limits when you buy car insurance, or adjust them later with the help of your agent. read more
While the Insurance Research Council found that the average property damage liability claim was just over $3,000 in 2012, you could easily exceed the minimum required coverage if you damage or total a new, expensive car in an accident. read more