You don't get to choose what you hit.

We are not going to publish a figure, because a limit that suits one household is meaningless for another and a number given to strangers is a recommendation made without any of the facts.

What we will say is how to think about it, which is different from how most people do. The usual approach is to look at what your own car is worth and size the policy around that. The useful approach is to look at what you might hit, because that is what property damage liability actually pays for and you have no control over it. Arkansas's minimum is a legal floor rather than a considered view of modern repair costs, and a single late model luxury vehicle can exceed it several times over. Because Arkansas is an at-fault state, the shortfall does not disappear. The practical step is to have it quoted at several levels, because the difference in price is usually much smaller than people expect and seeing the real numbers makes the decision straightforward.

The policy does not travel and neither should the limit, though for different reasons.

A policy is written under the rules of the state the vehicle is garaged in, so moving means a new policy rather than a change of address, and the sequencing matters. Arrange the new one to begin the day the old one ends, because a gap between them, even a short one caused entirely by the logistics of moving, is visible to carriers afterwards and treated as a lapse in continuous coverage. On the limit, the number you carried elsewhere reflected that state's traffic and your circumstances at the time. Carrying it over unexamined is a decision by default. There is one more thing worth knowing. Your driving record follows you between states, but your insurance history, meaning how long you have been continuously covered and at what limits, does not always transfer as cleanly, which is why a driver with a clean record sometimes gets a quote after relocating that looks higher than expected. Bring documentation from your previous carrier.

Usually much less than people expect, and it is the single most common thing we find that is worth changing.

Liability coverage is priced according to the probability that a claim reaches a given limit, and most claims do not reach the higher bands, so the additional premium for a substantially higher limit is frequently modest. That is the opposite of the intuition most people have, which is that doubling a limit doubles the cost. The result is that a great many households carry limits set years ago, at a level nobody ever revisited, when moving up would cost a small amount annually and remove an exposure with no upper bound. We would rather quote it at two or three levels and let you see the actual difference than tell you what to carry. If the numbers turn out not to justify a change, that is a perfectly good answer too, and at least it will have been a decision.

Start with the local point at the top of this page, then read the policy as two separate halves, because people conflate them constantly.

The first half is liability, and it is sized by what you might damage rather than by what you drive. Property damage liability pays for the other vehicle, and Arkansas's minimum is a legal floor rather than a recommendation, so a modest limit and a late-model luxury vehicle are a bad combination whatever you happen to drive yourself. Bodily injury liability sits alongside it. The second half is uninsured and underinsured motorist plus comprehensive and collision, which is the part that responds to your own losses and scales with what you own and what you could replace. Those two halves genuinely answer different questions, and a policy can be perfectly sensible on one and badly wrong on the other. What each coverage does is set out on our auto insurance page.

No.

A fair number of the reviews we do end with us saying the policy is already right, and that is a perfectly good outcome. We would rather be the agency you call in three years when something has changed than the one that pushed you into moving before there was a reason to. What a review costs you is the time it takes to find your declarations page and a short conversation. What it is worth is knowing where you stand rather than assuming, particularly on the liability side, where the number that matters is the one you would need on the worst day rather than the one that came with the policy. If a different market fits your household better, we will say so and show you why.

Because carriers price the same household very differently, and a single company can only ever offer you its own answer.

Rating turns on drivers, vehicles, mileage, garaging address, coverage history and claims, and each company weighs those on its own filed rules, which is why two quotes built from identical information can be a long way apart. There is a second reason that matters more than price. Raising a liability limit is usually far cheaper than people assume, and the conversation about whether it is worth doing is one a captive agent has less room to have. We place across more than forty carriers, so the same household gets looked at by several sets of rules, and we can tell you plainly when what you already have is competitive, because we have nothing to gain from moving it if it is.