i wouldnt do the state minimum. if someone was to sue you, you want to have a good amount of coverage. minimum i would go with would 50/100/50. its not much more than 10/20/10. it will pay out for you if you are at fault up ro $50k per person, $100k per accident, $50k for property damage. id hate to only have $10k in property damage and hit a lexus or a benz. $50k will cover most cars on the roads these days.