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Property Damage Liability Car Insurance

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 17, 2021

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Key Takeaways

  • Property damage liability is part of liability car insurance
  • The at-fault driver’s property damage liability pays for damage to your vehicle
  • Some states have similar property damage liability requirements

Property damage liability is one of the essential car insurance coverage options for all drivers.

But how much does property damage liability insurance cost? And what do you do when property damage exceeds insurance coverage?

Don’t worry – we’re here to answer your questions and help you find cheap car insurance.

Read through this guide to learn how property damage liability works and how much property damage liability insurance rates cost.

Once you learn everything about property damage liability auto insurance, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.

How does property damage liability car insurance work?

Property damage liability auto insurance covers the damage of someone else’s property when you’re at fault in an accident.

Did you know property damage liability covers various property types? Here’s a list of things that property damage (PD) liability covers:

  • Houses
  • Lamp Posts
  • Offices
  • Stores
  • Trees
  • Vehicles

What your property damage liability policy covers will vary based on your insurance company and your level of coverage. Shop around to find the right policy for your needs.

How much are property damage liability car insurance rates?

According to the National Association of Insurance Commissioners (NAIC), liability auto insurance costs $46 a month on average.

PD liability is included in your liability coverage, but if you increase your liability insurance limits, you could pay up to $30 more for moving to a medium coverage level or $60 more for the highest coverage level.

If you need high-risk car insurance, your rates will increase even more. For example, states like Florida and Virginia demand double the required liability limits for high-risk drivers with FR-44 attached to their insurance policy.

However, many factors determine whether you can find affordable property damage liability car insurance quotes. Compare as many property damage liability auto insurance companies as possible to secure the cheapest rates.

How much property damage liability car insurance do I need?

Property damage liability requirements depend on the state where you live. Each states’ insurance laws vary when it comes to the minimum auto insurance requirements.

Let’s look at a complete list of the minimum PD liability requirements for each state:

Minimum Property Damage Liability Requirements by State
StatesPD Liability Insurance Limits
Alabama$25,000
Alaska$25,000
Arizona$25,000
Arkansas$25,000
California$5,000
Colorado$15,000
Connecticut$20,000
Delaware$10,000
Washington, D.C.$10,000
Florida$10,000
Georgia$25,000
Hawaii$10,000
Idaho$15,000
Illinois$20,000
Indiana$25,000
Iowa$15,000
Kansas$25,000
Kentucky$25,000
Louisiana$25,000
Maine$25,000
Maryland$15,000
Massachusetts$5,000
Michigan$10,000
Minnesota$10,000
Mississippi$25,000
Missouri$25,000
Montana$20,000
Nebraska$25,000
Nevada$20,000
New Hampshire$25,000
New Jersey$5,000
New Mexico$10,000
New York$10,000
North Carolina$25,000
North Dakota$25,000
Ohio$25,000
Oklahoma$25,000
Oregon$20,000
Pennsylvania$5,000
Rhode Island$25,000
South Carolina$25,000
South Dakota$25,000
Tennessee$15,000
Texas$25,000
Utah$15,000
Vermont$10,000
Virginia$20,000
Washington$10,000
West$25,000
Wisconsin$10,000
Wyoming$20,000 
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States like California and New Jersey have low PD liability limits compared to other states. To be absolutely sure that you have enough coverage to protect you in an accident, we recommend buying more than the minimum required for property damage liability auto insurance.

How do I file a property damage liability car insurance claim?

Filing a property damage liability claim is like any other claim, but you’ll be filing a claim with the at-fault driver’s auto insurance company. Contact the at-fault driver’s insurance company and make a claim for your damaged property.

The no-fault driver can file a property damage liability claim with your car insurance company if you’re at fault.

When property damage exceeds insurance coverage, the property owner may take legal action against the at-fault driver to make up the difference in repair cost.

Property Damage Liability Car Insurance: What’s the bottom line?

PD liability is at-fault insurance coverage that’s required for most drivers in the United States. If you want no-fault coverage, you’ll need to purchase collision insurance for property damage coverage for your car.

Before you buy property damage liability car insurance, use our free comparison tool to compare multiple companies near you.

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