alt Hacker NewsMandated minimum insurance limits are often that low, but it’s quite common to get six-figure property damage liability coverage and mid-six-figure overall liability coverage. (And umbrella policies above that, but someone who needs less than half-million in coverage can readily get that on an ordinary auto policy.)
The parent comment seemed to insinuate that if the risk of injury from taller front-ends was substantially greater, it would be noticeably apparent in insurance premiums. But because of policy limits, that's not necessarily the case, and becomes less likely to be the case as the cost of medical care and damages awards stemming from pertinent types of collisions grow, to the extent they grow faster than typical policy limits.