[lanaius]

Interesting, that's nowhere near the level of insurance (it's significantly higher) than what even non-cut-rate insurers will recommend for most drivers in the states. After changing providers, we pay $1400 for two cars with $100,000/$300,000 (individual/total) injury and $100,000 in property coverage.

[Spooky23]

I think a big difference in the US is that there's usually no fault for personal injury, so the liability is pooled.