Auto Liability Insurance
Protect yourself financially from bodily injury and property damage claims. Liability coverage is required in almost every state.
What is Auto Liability Insurance?
Auto liability insurance covers the costs if you're responsible for an accident that causes injuries or property damage to others. It's the foundation of every auto insurance policy and is legally required in nearly every state.
This coverage has two main components: bodily injury liability and property damage liability. Together, they protect you from potentially devastating financial consequences of an at-fault accident.
What Does Liability Coverage Include?
Bodily Injury Liability
Covers medical expenses, lost wages, pain and suffering, and legal fees if you injure someone in an accident. This includes passengers in other vehicles, pedestrians, and cyclists.
Property Damage Liability
Pays for damage to other people's property, including vehicles, buildings, fences, utility poles, and other structures. Also covers legal defense costs if you're sued.
Legal Defense
Covers attorney fees, court costs, and legal expenses if you're sued after an accident, even if the lawsuit is groundless.
Understanding Coverage Limits
Coverage is Expressed as Three Numbers
For example, 100/300/100 means:
- $100,000maximum per person for bodily injury
- $300,000maximum per accident for all injuries
- $100,000maximum for property damage
Important: State Minimums May Not Be Enough
While most states require only 25/50/25 coverage, this is often insufficient. A serious accident can easily exceed these limits, leaving you personally liable for the difference.
Recommended Coverage Amounts
Minimum Recommended
100/300/100
Provides adequate protection for most drivers while keeping premiums reasonable.
Better Protection
250/500/250
Recommended for homeowners and those with significant assets to protect.
Average Cost
State Minimum Coverage
$400-600/year
100/300/100 Coverage
$600-900/year
What coverage level do you need?
Choose the protection that matches your requirements