IN PLAIN ENGLISH

Liability covers the other driver in an accident, including injury or property damage you might cause them.

Looking for liability? Click to find the cheapest car insurance rates instantly

Unfortunately shopping for insurance isn’t quite as simple as your weekly grocery store run (we know you’ve got that routine down—ice cream, pizza, gummy bears, repeat). What kind of insurance you need depends on your ride, your financial situation, and other personal factors. At the minimum you'll need liability insurance coverage and we'll explain why.


Liability Insurance

Ever heard the phrase “state minimum”? Though it sounds like a jail sentence, it’s actually a car insurance term. Insurance is regulated state-by-state (rather than by Big Brother/Uncle Sam), but across most states, the laws are very similar: You must carry liability insurance that will protect the other driver in the event of an accident that’s your fault. (To be liable means you are legally responsible.) This type of insurance offers very little in terms of coverage, but it will be your least expensive option.  

You might choose liability insurance if… 

  • You’re a super price-sensitive, budget-minded consumer.
  • You drive a car worth everything to your heart but not so much in terms of actual cheddar.

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FAQs

Does liability insurance cover uninsured motorists?

No, liability insurance pays damages on your behalf in the event of an accident. To protect yourself against drivers with no insurance of their own, you will need to have uninsured motorist coverage.

Does liability insurance cover my medical bills?

Liability insurance would cover the medical bills of the other driver if you were declared at-fault in an accident, and you would be responsible for your own medical bills. If you were not at-fault, you should receive compensation from the driver who was, although this depends on the scope of the driver’s own coverage. To better protect yourself you may want to look into PIP to cover you and your passengers in case of injury and collision insurance to cover damages to your car in the case of an at-fault accident.

Does liability insurance cover hit and run?

The coverage you gain from liability insurance will not help you pay for any damage from things like a hit-and-run, hail damage, or car theft since liability exists only to cover the damages you cause others.

How much does liability insurance cost?

The cost of liability insurance varies widely depending on a number of factors such as age, vehicle, and location. See quotes from hundreds of carriers in seconds at TheZebra.com.

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State-by-State Minimum Liability Coverage Requirements

Minimum liability coverage requirements vary from state to state and are composed of three separate areas of coverage:

  • Bodily Injury: Per Person, which applies to the injuries of one person injured in an accident.
  • Bodily Injury: Per Accident, which applies to all injuries in one accident.
  • Property Damage, which applies to property your vehicle has damaged in an accident.  

For example, 25/50/25 means coverage up to $25,000 per individual injured in an accident, $50,000 for all persons injured in an accident and $25,000 coverage for property damage.

**Disclaimer**: All states, other than New Hampshire, require liability to meet their minimum insurance mandate but some states also require additional coverage (normally Uninsured Motorist or PIP coverage) to be legal.  Our list below only addresses the minimum liability limits for each state but doesn't address any other coverage that may be legally required in your particular state.  



State

 Bodily Injury: Per Person  Bodily Injury: Per Accident  Property Damage 
Alabama25k50k25k
Alaska50k100k25k
Arizona15k30k10k
Arkansas25k50k25k
California15k30k5k
Colorado25k50k15k
Connecticut20k40k10k
Delaware15k30k10k
Florida10k20k10k
Georgia25k50k25k
Hawaii20k40k10k
Idaho25k50k15k
Illinois25k50k20k
Indiana25k50k10k
Iowa20k40k15k
Kansas25k50k10k
Kentucky25k50k10k
Louisiana15k30k25k
Maine50k100k25k
Maryland30k60k15k
Massachusetts20k40k5k
Michigan20k40k10k
Minnesota30k60k10k
Mississippi25k50k25k
Missouri25k50k10k
Montana25k50k10k
Nebraska25k50k25k
Nevada15k30k10k
 New Hampshire 25k50k25k
New Jersey15k30k5k
New Mexico25k50k10k
New York25k50k10k
North Carolina30k60k25k
North Dakota25k50k25k
Ohio25k50k25k
Oklahoma25k50k25k
Oregon25k50k20k
Pennsylvania15k30k5k
Rhode Island25k50k25k
South Carolina25k50k25k
South Dakota25k50k25k
Tennessee25k50k15k
Texas30k60k25k
Utah25k65k15k
Vermont25k50k10k
Virginia25k50k20k
Washington25k50k10k
Washington DC25k50k10k
West Virginia20k40k10k
Wisconsin25k50k10k
Wyoming25k100k20k