Personal drivers. Prices might be higher than in the US but it's hard to give an exact price or even a range because it varies a lot by vehicle type. I'm paying about 600€/year for a small and older VW. But a bigger car doesn't necessarily need to be more expensive because the parts to repair it could be cheaper or it's less likely to get into expensive accidents due to break assistance.
I'm also covered for accidental damages caused by me outside of my car for up to 100 million € and that costs me only about 70€/year.
I’m paying about $1700/year for $1m coverage for two newer sedans with a combined value of about $40k. You can’t buy more coverage than that in the US without going to an insurance agent. It’s available but as a specialty product aimed at wealthy people. Most car insurance websites won’t quote coverage that exceeds $300k or $500k. The legal minimum, which is what many (most?) people have is like $60k.
I’m sure some of this is due to the differences in our healthcare and legal systems. Ironically, it seems intuitive that Americans should have higher insurance limits than Germans, not the other way around.
This is putting some stuff Uber did in Germany into perspective.
When Uber Pop launched in Germany insurance companies were quick to publicly state that no driver using Uber is insured under their personal policies and they needed to opt into commercial policies that are multiple times more expensive.
Then Uber stepped forward and put out a big anouncemnt that every driver is insured for up to 1 million €. Everybody was like "yeah, okay, that's not nearly enough to be allowed to drive here in Germany". Nobody understood why Uber would make such a dumb statement. Now that you explained how it's handled in the US, I'm not surprised anymore.
People are recommended to have more than the minimum if they own a home, or otherwise have a lot of assets to protect.
Commercial requirements are much higher.
It works different in the states because the person or property being injured also has insurance, which will cover them. Insurance covers you not the person or property being injured.
So if you smash a building with your car, the property owner will collect from their insurance. That insurance company will then sue you, and your insurance will cover you. If you don't have enough insurance, they'll take what they can get, and if you don't have any property or money, they'll give up after that.
I'm also covered for accidental damages caused by me outside of my car for up to 100 million € and that costs me only about 70€/year.