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it's meant to be completely insignificant both to not raise a fuss from drivers and to not be effective at all
edit: the best liberal way of doing this would be to force drivers to actually face consequences from murdering people. The US is notoriously permissive with vehicular manslaughter charges only making most drivers pay fines, do community service, given probation and/or serve no jail time at all.
With that, vehicles weighing >=4000lbs/1800kg OR engine capacities > 3.0L OR power >250hp should be required to have a minimum $1-2M liability insurance policy. Car registration fees should also scale with these factors like some other countries do.
Best I can do is 25/50/25 for liability