Liability coverage car insurance calculator

Liability coverage car insurance calculator

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Year 2021 Vehicle Type Car

Make & Model Acura - ILX 2.4L Cylinders 4

Style 4 Door Sedan State Nationwide

Liability Coverage $707/year

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*While most states require a minimum of 100/300/50 car insurance coverage, we recommend getting a coverage limit of 100/300/100 so that you are fully financially protected. Check out rates for full coverage car insurance here.

Our liability coverage estimator provides insights into car insurance costs based on the make and model of your vehicle, helping you understand the potential expenses associated with insuring your specific automobile.

Liability car insurance is typically broken down into two parts — bodily injury liability and property damage liability. 

• Bodily injury liability covers medical expenses and lost wages if the other person in the accident is injured. 

• Property damage liability covers damages to the other person’s property from an accident. 

Use our calculator & learn how to calculate liability insurance & understand how much liability insurance costs in your state for 50/100/50 coverage. 

Estimate liability coverage car insurance rates by state

The average rate for liability coverage car insurance varies widely by state. Drivers in states like Maine and Ohio pay less than $500 per year for the limit 50/100/50, while the liability insurance rate in New Jersey is $1,120 a year for the same coverage, according to Insure.com data. How much you pay depends on a number of factors, such as your driving record and your vehicle’s make and model. But understanding the average rate in your state can give you a good starting point for estimating your own rates. 

Liability-only coverage is the most basic type of insurance, and it can be an attractive option if you’re on a tight budget. But if you are in an accident and your car is damaged, you will have to pay out of pocket to repair it. For these reasons, it is generally recommended that drivers should purchase 100/300/100 auto insurance limits for added protection.

The table below shows each state’s average annual auto insurance liability coverage rates for the limit 50/100/50.

When it comes to car insurance, liability coverage is the minimum that is required by most states. It provides some financial protection if you’re ever involved in an accident that causes property damage or injuries to another person. 

Methodology:

Insure.com commissioned Quadrant Information Services in 2022 to find out rates in every state for liability-only coverage with limits of 50/100/50. Rates are based on the profile of a 40-year-old male driver with a clean record driving a 2021 Honda Accord.

Laura Longero

Executive Editor

 

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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.