Get property damage liability car insurance | finder.com
Property Damage Liability Coverage

Compare property damage liability coverage

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Your car insurance will help you with costs if you’ve damaged other vehicles or property in a car accident.

Liability coverage is one of the basic types of car insurance that’s required in nearly every state. You’ll need liability property damage coverage to protect you from damage you cause in a car accident, otherwise known as costs you’re liable for.

What does liability property damage cover?

If you have property damage liability coverage, your insurer will help you pay costs that result from any damages you cause to someone else’s property. These costs may include:

  • Vehicle repairs
  • Repairs for damage to buildings, houses, fences, etc.
  • Lost income from business closures
  • Legal fees from property damage claims

Property damage liability doesn’t pay for your own car repair costs. For that, you’ll need collision coverage.

Does property damage come with a deductible?

Liability coverage usually doesn’t come with a deductible. For example, if you hit someone’s fence and your insurance covers the cost of repairs, you won’t have to pay out of your own pocket.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare policies with property damage liability

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

Compare up to 4 providers

How property damage liability coverage works

When you buy liability coverage, you can choose a combined single limit or split limit policy.

Combined single limit

A combined single limit policy is written like this: “$300,000 each accident.”

This means you’re protected for $300,000 in the event of bodily injury and property damage costs. If you have to pay for damage to a fence as well as the medical costs of three people, then your policy will cover you. That is, as long as the cost falls within $300,000.

Split limit

A split limit policy for liability coverage might be written like this: 100/300/50.

These numbers are just shorthand for how much your insurance will cover you for:

  • The first number is the individual payment limit per accident for bodily injury. The “25” in our example refers to $25,000. It’s how much your insurance will cover for each person’s bodily injury costs (other than yours). For example, if you’ve injured someone in an accident and their medical bills are $20,000, you’re covered.
  • The second number is the overall payment limit per accident for bodily injury. The “50” refers to $50,000. It’s how much your insurance will cover for the total bodily injury costs in an accident (other than yours). For example, if you’ve injured five people and their medical bills are $20,000 each, you’re on the hook for $100,000. In this case, your policy will cover $50,000, and you’ll need to pay the other $50,000 yourself,
  • The third number is the overall payment limit per accident for property damage. The “15” refers to $15,000. It’s how much your insurance will cover for the total cost of property damage in an accident. (This doesn’t include your own vehicle — instead, you’ll need collision coverage for that.) For example, if you rammed into a barn and it costs $6,000 to repair it, your insurance will cover the expenses.

The three numbers will change to create different policies. Your state will most likely have policy minimums, but otherwise you’re free to choose the right mix for your own needs.

Property damage liability coverage in action

While driving, you lose control of your car and crash into a parked vehicle. Fortunately, you didn’t hit anyone and you aren’t hurt. You do, however, need to pay the repair bill for the damaged vehicle, which comes in at just over $9,000. You have 100/300/50 in liability coverage, so the damage is easily covered by your $50,000 in property damage liability insurance.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Why should I buy property damage liability coverage?

Unless you live in New Hampshire or Virginia, your state will require you to have a specified amount of property damage liability. Even in those states, getting car insurance is much easier than proving your financial responsibility.

Your state will likely have minimums that will cover the typical claim for property damage, which is around $3,000. Costs can increase quickly in multicar accidents, so consider buying a higher amount of coverage.

How much does property damage liability coverage cost?

Drivers typically buy liability coverage, which includes property damage liability insurance and bodily injury liability insurance. A liability-only policy is the cheapest type of car insurance you can buy. As a ballpark, expect it to cost between $500 and $1,000 a year.

The overall cost of liability coverage will vary considerably depending on your age, where you live and your driving history, among other factors.

How do I buy property damage liability coverage?

It’s a standard insurance policy, so nearly all insurers offer property damage liability coverage. When you purchase car insurance online, typically your policy will include property damage at your state’s minimum levels by default. You can choose to raise your coverage maximums if you’d like extra protection.

Bottom line

In all states but Virginia and New Hampshire, you’ll need some amount of property damage liability to drive a vehicle. Your state will likely set a minimum coverage amount, but you can buy more depending on what you feel comfortable with. Compare your options to get the best deal on property damage liability coverage.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about property liability coverage

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site