1-800-771-7758

Liability Auto Insurance Information

State Liability Limits

Any form of financial responsibility must meet certain dollar requirements in order to satisfy state liability insurance limits, or 'minimum liability limits'. These liability limits will vary by state, along with the specific terms of coverage, but when you get free quotes with buy auto insurance now, we take care of the details to make sure you get an affordable auto insurance policy that still meets all of the legal requirements for your state. 

Indiana and Florida for example require a special kind of auto insurance instead of property damage liability coverage. In these states a special coverage sometimes called 'no-faultinsurance provides protection for both the policy holder and other drivers.

In most state's however, liability auto insurance will not provide much if benefit for the policy-holder in the event of an accident. 

The following is a basic list of the minimum insurance requirements for each of the states in the US. 

State

BI

BIT

PD

Arizona

15

30

10

California

15

30

5

Florida

10*

20*

10

Georgia

25

50

25

Illinois

20

40

15

Indiana

 25/50*

 50

 50*

Michigan

20

 40

 10

Missouri

 25

50 

10 

New Mexico

 25

50 

10 

North Carolina

 30

60 

25 

Pennsylvania

 15

30 

South Carolina

 25

50 

25 

Tennessee

 25

50 

15 

Texas

 30

60 

25 

Virginia

 25

50 

20 

Washington

 25

50 

10 

 

Click on any of the state names above to receive free quotes and information on auto insurance details specific to that state. 

Get Affordable Liability Insurance Now

Every state requires drivers to demonstrate- financial responsibility for their vehicles in order to drive them legally in that state.There are several ways to prove that you have established financial responsibility for your vehicle, but in almost every case purchasing liability auto insurance is the most affordable way to demonstrate proof.  

At Buy Auto Insurance Now we can get you an affordable liability insurance policy in as little as ten minutes, and you can print your proof of insurance id cards at home. We carry strong liability policies from the top companies like The GeneralProgressiveTitan, and more.

You may also be required in certain situations to demonstrate future proof of financial responsibility. This type of proof is proven by filing a form SR-22 or Safety Responsibility form may be the result of receiving a ticket for DUI, DWI, or another serious traffic violation. For more information on Safety Responsibility insurance or SR-22 filings visit the SR-22 insurance information page. Click on the button below to get free quotes on affordable liability insurance in any of states in the chart in the right column.

1-800-771-7758 

What Is Covered By Liability Insurance?

Liability insurance only provides insurance benefits to people who suffer bodily injury or property damages as a result of the driving of the policy-holder. The specifics about how much of each type of coverage is required in each state are available in the chart at right.

Most liability auto insurance policies will not provide much if any benefit towards costs which the policy-holder incurs as a result of his/her own driving. so these liability limits refer to the protection which your insurance policy will offer other drivers in the event of an accident:

Bodily Injury Liability

This type of auto insurance pays for medical billshospital costs, and other damages resulting from bodily injury or trauma they have suffered because of an accident with the policy-holder or an approved driver.

Some states may offer bodily injury liability that applies to both other drivers and the policy-holder themselves, but in most states your health insurance is responsible for paying your bodily injuries if you are involved in an accident and you don't have more than liability insurance

Property Damage Liability

This portion of your coverage will cover any property damage sustained by other drivers as a result of your driving. This typically will offer no benefits to the policy-holder for replacement or repair of their own vehicle in the event of an accident, this is necessary to prevent people from using an affordable insurance policy to fraudulently receive property damage benefits.

Instead of property damage insurance some states will require no-fault insurance which works as both property damage liability, and insurance against hit and run accidents. 

Statutory Alternatives To Insurance

In some states there are statutory alternatives to liability insurance. That means that in those states there are things you can do to avoid needing to pay for auto insurance. Most of these methods are limited in some way, and for all intents and purposes- liability auto insurance is the cheapest way to prove financial responsibility for a vehicle either large or small.

  • Self Insurance
  • Certificate Of Surety Bond
  • Certificate Of Deposit

 

In order to qualify as a self-insurer you must have accumulated at least a specific amount of capital (which varies from state to state) in order to offset the risk that authorities are taking in allowing you to assume your own financial risk. The reasoning here is, the authorities want to be sure that you have enough wealth that seizing some of it to pay for an accidental death or injury would be feasible.

The certificates of deposit or surety represent a contract similar to insurance whereby a licensed driver either deposits a cash amount or a bond which equals the required CSL policy limit for their state of residence. A CSL policy is an insurance policy or deposit which is equal to a combined single liability limit which satisfies all financial responsibility requirements. A CSL limit for a state whose financial responsibility limits are 25/50/15 might be as low as $60,000. You may pay this amount out of your own assets, or have a licensed bonding agency issue a security or surety bond for the required CSL amount in order to avoid depositing cash.