Property Damage Liability Coverage
Liability coverage ensures your financial responsibility is covered if you are involved in an auto accident. Each state has its own minimum liability coverage requirements. Liability is split into two separate categories: bodily injury and property damage.
Property damage auto insurance covers the costs of damages to the other driver’s vehicle should you be involved in an auto accident. Typically, it also covers the damage done to another vehicle by someone driving your car with your permission.
While, generally, it is another vehicle that would be damaged if you were to be involved in a collision, property damage liability also covers damage done to lamp posts, telephone poles, fences, buildings or other structures you may crash into.
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Property Damage Liability Coverage Requirements
The following table outlines state-by-state property damage liability requirements. Refer to state-specific pages for detailed coverage requirements.
AL - FL | GA - LA | ME - NH | NJ - RI | SC - WY
State |
Property Damage Liability Required? |
Minimum Coverage Amount Required *if purchased |
|
| Alabama |
Yes |
$10,000 |
| Alaska |
Yes |
$25,000 |
| Arizona |
Yes |
$10,000 |
| Arkansas |
Yes |
$25,000 |
| California |
No |
$5,000 |
| Colorado |
Yes |
$15,000 |
| Connecticut |
Yes |
$10,000 |
| Delaware |
Yes |
$10,000 |
| District of Columbia |
Yes |
$10,000 |
| Florida |
Yes |
$10,000 |
| Georgia |
Yes |
$25,000 |
| Hawaii |
Yes |
$10,000 |
| Idaho |
Yes |
$15,000 |
| Illinois |
Yes |
$15,000 |
| Indiana |
Yes |
$10,000 |
| Iowa |
Yes |
$15,000 |
| Kansas |
Yes |
$10,000 |
|
| Kentucky |
Yes |
$10,000 |
| Louisiana |
Yes |
$10,000 |
| Maine |
Yes |
$25,000 |
| Maryland |
Yes |
$15,000 |
| Massachusetts |
Yes |
$5,000 |
| Michigan |
Yes |
$10,000 |
| Minnesota |
Yes |
$10,000 |
| Mississippi |
Yes |
$25,000 |
| Missouri |
Yes |
$10,000 |
| Montana |
Yes |
$10,000 |
| Nebraska |
Yes |
$25,000 |
| Nevada |
Yes |
$10,000 |
| New Hampshire |
No |
$25,000 * |
| New Jersey |
Yes |
$5,000 |
| New Mexico |
Yes |
$10,000 |
| New York |
Yes |
$10,000 |
| North Carolina |
Yes |
$25,000 |
|
| North Dakota |
Yes |
$25,000 |
| Ohio |
Yes |
$7,500 |
| Oklahoma |
Yes |
$10,000 |
| Oregon |
Yes |
$10,000 |
| Pennsylvania |
Yes |
$5,000 |
| Rhode Island |
Yes |
$25,000 |
| South Carolina |
Yes |
$10,000 |
| South Dakota |
Yes |
$25,000 |
| Tennessee |
No |
$10,000 * |
| Texas |
Yes |
$15,000 |
| Utah |
Yes |
$15,000 |
| Vermont |
Yes |
$10,000 |
| Virginia |
Yes |
$20,000 |
| Washington |
Yes |
$10,000 |
| West Virginia |
Yes |
$10,000 |
| Wisconsin |
No |
$10,000 * |
| Wyoming |
Yes |
$20,000 |
|
|
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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