Coverage gap calculator
A statutory minimum is a floor, not a target. This works out what a claim of a given size would leave above the limits your state actually sets, using the limits read from each state’s own statute.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$17,000
A $42,000 property damage claim against Alabama’s statutory minimum property damage of $25,000 leaves $17,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
The cases where subtraction is the wrong answer
Four situations break a plain claim-minus-limit calculation, and the tool refuses to do the subtraction in each of them rather than printing a number that misleads.
- Florida mandates no bodily-injury cover at all, so there is no limit for a bodily-injury claim to exceed.
- New Hampshire does not require drivers to buy liability insurance, and allows a deposit with the state instead. There is no universal minimum to measure against.
- New York applies a separate and higher limit pair where the accident causes death, so the answer depends on which basis you measure against.
- 3 jurisdictions allow a combined single limit as a statutory alternative, which applies to the whole accident rather than per coverage type. Those appear as a separate basis in the selector.
Related
Questions
- What is a coverage gap?
- A liability limit caps what the policy pays a third party. If the claim against you is larger than the limit, the difference is yours. That difference is the gap.
- Why does one state show no bodily-injury figure at all?
- Because its statute imposes no bodily-injury requirement. 1 jurisdiction of the 45 with confirmed limits is in that position. Showing a zero there would state a requirement of zero cover, which is a different and false claim.
- Does this tell me how much cover to buy?
- No. This site does not recommend coverage levels. It shows what the statutory limit is and what a claim of a given size would leave above it.
Limits are read from each jurisdiction’s own statute text and corroborated against its insurance department or motor-vehicle agency. 45 of 51 jurisdictions are available in the selector; the rest rest on a secondary reproduction and show no figure until the primary text is read. Last verified 10 August 2026.