Now that you know the bare-bones amounts that you need in order to keep yourself safe, it is a good idea to purchase above the minimum limits. As the saying goes, you get what you pay for, and while you may cover injury liability, if someone else is injured and you are at fault, the minimum liability coverage may not cover their medical expenses. If this happens, it is likely that you will have to pay for their medical costs.
Overall, insurance companies generally recommend that you purchase $100,000/300,000 limits of bodily injury liability. If your personal assets are not that much, ( i.e. you do not own a home or car and do not have much savings), then you do not have many assets to go after and the minimum requirements might actually be the best choice for you, which may also give you a little bit more cash to try to start saving.
On the other hand, if you have significant assets that could be at risk, purchasing a little extra insurance will create some peace of mind that could pay off huge dividends in the event of an accident.
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