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A person's age has nothing to do with how much liability insurance they need to carry. It really depends on how much damage and injuries they plan on doing to someone if they hit them in an accident that is the 59 year old's fault. The actual answer is as much as you can afford because you don't know how much damage you may do in an accident. If the person has assets they need to purchase liability insurance in an amount that at least exceeds the value of their assets. This is not to say that they could not be liable for an amount more than their assets as they could have their wages and income garnished for the rest of their life.
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