Property Damage Liability Coverage
Property damage liability coverage is a basic auto insurance option that helps you if you’re at fault in an accident. This coverage is the minimum auto insurance required in most states. How much property damage car insurance you need varies by state, but property damage liability coverage per accident limits are commonly 25/50/25.
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UPDATED: Aug 31, 2021
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- Property damage liability is part of most auto policies and can be sold as standalone insurance
- This type of coverage helps you pay for damages to another’s car or property
- Property damage liability coverage is required in most states
If you drive a car, you’re more than likely in need of property damage liability coverage — or maybe you already have it and don’t understand why. Driver’s may find that property damage liability car insurance is beneficial in the event of an accident they’ve caused.
This guide will help you better understand property damage liability insurance costs and learn about auto insurance coverages available in your area. While most states require property damage liability coverage as baseline insurance, it’s a fundamental part of most car insurance packages.
If you are ready to compare local property damage liability insurance rates, use our free tool. Enter your ZIP code below to get fast, free liability insurance quotes.
What is property damage liability auto insurance?
Property damage liability coverage pays for the damage you or someone driving your car may cause to another’s property. Generally, this insurance covers vehicles. However, this property damage liability can be used to cover damage to any structure you hit with your car.
Other uses for property damage coverage:
- Fixing damages to a house or business
- Legal fees
- Loss in income
- Recurring expenses from the damages
Since this coverage doesn’t cover damages to your vehicle/property, drivers don’t file claims against their policy. Instead, your insurance company will work with the other policy on a claim against you.
Keep reading to learn more about how to buy property damage liability insurance that fits your needs.
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How much are property damage liability insurance rates?
Property damage liability insurance costs are lower than some policy types: While it is a basic policy, it still needs to be strong enough to cover the damages of another’s property so you don’t have to.
Below is a table to compare liability insurance rates to more extensive policies:
|Coverage Type||Average Annual|
Auto Insurance Rates
Auto Insurance Rates
Do you need liability car insurance? In most cases, yes. Bodily injury and property damage liability insurance rates and limits vary by state.
What are property damage liability coverage limits?
In most states, property damage liability and bodily injury coverage are often lumped together in the general term “liability.” Bodily injury liability insurance helps to cover medical costs if the other driver is hurt.
How much property damage auto insurance do I need? State liability car insurance limits come in various percentages, though drivers can purchase higher limits than what is required.
The most common liability limit is 25/50/25, which means $25,000 for bodily injury coverage, $50,000 for bodily injury, and $25,000 worth of property damage coverage per accident.
Check out the table below to see what liability coverage is required in your state and how much you are required to purchase in order to be a legal driver:
|State||Insurance required||Minimum liability limits|
|Alabama||BI & PD Liab||25/50/25|
|Alaska||BI & PD Liab||50/100/25|
|Arizona||BI & PD Liab||15/30/10|
|Arkansas||BI & PD Liab, PIP||25/50/25|
|California||BI & PD Liab||15/30/5|
|Colorado||BI & PD Liab||25/50/15|
|Connecticut||BI & PD Liab, UM, UIM||25/50/20|
|Delaware||BI & PD Liab, PIP||25/50/10|
|District of Columbia||BI & PD Liab, UM||25/50/10|
|Florida||PD Liab, PIP||10/20/10|
|Georgia||BI & PD Liab||25/50/25|
|Hawaii||BI & PD Liab, PIP||20/40/10|
|Idaho||BI & PD Liab||25/50/15|
|Illinois||BI & PD Liab, UM, UIM||25/50/20|
|Indiana||BI & PD Liab||25/50/25|
|Iowa||BI & PD Liab||20/40/15|
|Kansas||BI & PD Liab, PIP||25/50/25|
|Kentucky||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Louisiana||BI & PD Liab||15/30/25|
|Maine||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|Maryland||BI & PD Liab, PIP, UM, UIM||30/60/15|
|Massachusetts||BI & PD Liab, PIP||20/40/5|
|Michigan||BI & PD Liab, PIP||20/40/10|
|Minnesota||BI & PD Liab, PIP, UM, UIM||30/60/10|
|Mississippi||BI & PD Liab||25/50/25|
|Missouri||BI & PD Liab, UM||25/50/25|
|Montana||BI & PD Liab||25/50/20|
|Nebraska||BI & PD Liab, UM, UIM||25/50/25|
|Nevada||BI & PD Liab||25/50/20|
|New Hampshire||FR only||25/50/25|
|New Jersey||BI & PD Liab, PIP, UM, UIM||15/30/5|
|New Mexico||BI & PD Liab||25/50/10|
|New York||BI & PD Liab, PIP, UM, UIM||25/50/10|
|North Carolina||BI & PD Liab, UM, UIM||30/60/25|
|North Dakota||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Ohio||BI & PD Liab||25/50/25|
|Oklahoma||BI & PD Liab||25/50/25|
|Oregon||BI & PD Liab, PIP, UM, UIM||25/50/20|
|Pennsylvania||BI & PD Liab, PIP||15/30/5|
|Rhode Island||BI & PD Liab||25/50/25|
|South Carolina||BI & PD Liab, UM, UIM||25/50/25|
|South Dakota||BI & PD Liab, UM, UIM||25/50/25|
|Tennessee||BI & PD Liab||25/50/15|
|Texas||BI & PD Liab, PIP||30/60/25|
|Utah||BI & PD Liab, PIP||25/65/15|
|Vermont||BI & PD Liab, UM, UIM||25/50/10|
|Virginia||BI & PD Liab, UM, UIM||25/50/20|
|Washington||BI & PD Liab||25/50/10|
|West Virginia||BI & PD Liab, UM, UIM||25/50/25|
|Wisconsin||BI & PD Liab, UM, Medpay||25/50/10|
|Wyoming||BI & PD Liab||25/50/20|
Another way to interpret the table above is to break it down by how much the insurance company will cover. Below is a list of average payouts that each state may apply to a property damage liability coverage insurance company:
|District of Columbia||$10,000|
For example, let’s say you have a $10,000 limit and cause property damage that exceeds insurance coverage. Instead of having to pay out of pocket to cover what insurance doesn’t, you can save yourself the hassle and purchase a higher limit ahead of time.
Should I buy property damage liability coverage?
In case you’re involved in an at-fault car accident, property damage liability coverage only serves the other driver. This type of insurance is more affordable than comprehensive auto insurance policies with far less coverage.
In most states, property damage liability and bodily injury auto insurance policies are required in order to drive a car legally.
Use our free tool to compare auto insurance companies near you. Enter your ZIP code for affordable property damage liability coverage quotes.