If you cause an accident which type of insurance will require you to pay the least out f pocket

I believe the answer is: high deductible plan

In high deductible plan, the insurance payer is usually subjected to a lower rate of premium. This type of plan usually suitable people who had large enough saving and exposed to a higher risk of fulfilling clauses mentioned in the contract, since they basically have to pay more during the time of service before their health insurance begins to pay.