It’s generally a good idea to purchase more liability insurance than is required by law. If you have a good driving record, you can qualify for a discount on your insurance. If you have a clean driving record, you can qualify for a discount on your insurance.
It also depends on the individual driver, but generally speaking, the more liability insurance you have, the more money you’ll be able to recoup in the case of an accident. This is because most states have a minimum liability insurance requirement of $30,000. However, if you cause a serious accident, the damage can exceed that amount.