Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jul 14, 2021

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Important facts to know...

  • The numbers located on your declaration page refer to the limits on your insurance policy
  • Each state mandates a minimum amount of insurance that each driver must carry
  • If your car insurance limits are lower than your state’s insurance requirements, you will want to find a new policy by entering your information into a car insurance comparison tool

When you get into a car accident, your insurance coverage covers the damages up to a certain amount.

The cap to the amount is called a policy limit, and it is denoted by a set of three numbers on the declarations page of your auto insurance policy information pamphlet.

Compare quotes for the car insurance coverage you need by entering your zip code in our tool above!

30/50/25: What do those numbers mean?

When you look at your declarations page, you will see three numbers. For example, your declarations page may state 30/50/20. Those numbers are the maximum payout amounts for certain types of damage in accordance with your liability coverage.

  • Bodily Injury for One Person – If one person in the other car is injured, your insurance company will pay up to $30,000 for their medical care.
  • Bodily Injury for More than One Person – If there are two or more people injured in the other car, your insurance company will pay out a maximum of $50,000 for all of the combined medical bills.
  • Property Damage – The last number is the maximum amount that your insurance company will pay to remedy damage you caused to another person’s property while driving your vehicle. In the example, the maximum amount would be $25,000.

When you purchase a car insurance policy, you can usually stipulate the maximum coverage amounts as long as they do not go below your state’s minimum insurance requirements.

However, it is important to understand that buying a minimum insurance policy may leave you underinsured. To find a policy that provides you with adequate insurance amounts at a price you can afford, you can use a comparison tool.

FREE Car Insurance Comparison

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Additional Coverages that May Be on Your Policy

Some states mandate additional coverages, including uninsured and underinsured coverage. This amount typically corresponds to the last number on your insurance policy, but it may be stated elsewhere on your declarations page.

  • Underinsured – The underinsured section of your car insurance, if you have it, pays the remainder of your accident-related expenses if the other driver does not have enough coverage to cover all of the expenses.
  • Uninsured – The uninsured section of your car insurance pays your accident-related expenses if the other driver does not have car insurance.

If you do not have uninsured or underinsured motorists coverage, it may be in your best interest to locate a policy with those types of coverages by using a comparison tool.

The Insurance Information Institute estimates that 12 percent of drivers across the US are uninsured.

What to Do if You Want to Raise Your Policy Limits

If you look at your declarations page and feel that your coverage limits are too low, you can quickly and easily find an affordable insurance policy with higher limits by taking advantage of an auto insurance comparison tool.

Car insurance comparison tools contain a regularly updated database of all the car insurance policies in your area.

When you enter your information and click the submit button, the tool quickly finds all of the policies in your local area that match your criteria.

This allows you to quickly sift through the information and premium amounts to find a policy that you can afford and provides you with adequate car insurance coverage.

Start your comparison search today by entering your zip code below.