That is only relevant if the person buys coverage for the car. Legally, you only have to buy liability insurance, so you can compensate any other parties you injure or damage.

If you borrow money for the car, the lender might require coverage for the car itself. I pay for $500k bodily injury and $100k property damage liability only coverage for $40 per month per vehicle for 10k miles per year.

I had Geico on the east coast at a similar price ($50), but they were more expensive on the west coast so I switched to Amica.

You're right, I forgot about PL/PD versus total coverage. Thanks!