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Bodily Injury/Death Liability Insurance

Purchase affordable liability insurance online today

Illustration of a car driving down a road next to a green field.

What is Bodily Injury/Death Liability Insurance?

Bodily injury and/or death liability insurance is the portion of your state-required car insurance that kicks in to help pay for expenses related to injuries – and even death – after a car wreck. Most states require a two-fold insurance policy that covers property damage and bodily injury and/or death. Liability insurance is the most common type of car insurance. Bodily injury/death liability insurance pays for a variety of items that fall under the category of injury and death, including:

  • All medical-related expenses from the ambulance to the ER to ongoing care to medical equipment, such as crutches
  • Loss of income if the affected party is unable to work
  • Legal expenses in case a lawsuit is filed against you
  • Funeral expenses

Man grabbing his injured knee

If you live in an at-fault state, the insurance company of the driver who is determined to be at fault in the accident will be on the hook for these costs up to policy limits. If you live in a no-fault state, each driver’s insurance will pay for their own medical expenses, regardless of who is at fault, up to policy limits.

How Much Does Bodily Injury/Death Cost?

On average, the bodily injury/death portion of liability insurance costs around $600 per year. Your cost will most likely be different from this average since car insurance policy costs are based on factors specific to you, such as your past driving history, your age and where you live. For example, states that see more litigation resulting from car wrecks tend to have higher liability insurance costs. Besides that, it’s always a good idea to do comparison shopping for car insurance to make sure you are getting the best price.

Why Do I See the Bodily Injury Portion of my Insurance as 25/50?

This represents the amount of coverage you will have per person and per accident. What that means is that your insurance company will provide $25,000 for medical costs per person for each accident and $50,000 total, per accident (minus your deductible). Every state sets their own minimum amount of state required coverage drivers must carry. See the table below to find out how much your state requires.

With medical costs today, many people choose to purchase more than the state-required liability coverage in order to be better protected.

What is the Difference Between Bodily Injury/Death Liability and Personal Injury Protection (PIP) or Medical Payment Insurance (MedPay)?

Bodily injury/death liability is required car insurance in every state except two (New Hampshire and Florida). In some states, additional medical coverage protection is required or optional in the form of PIP or No Fault Insurance and MedPay. These two forms of medical insurance cover you and your passengers, regardless of who is at fault. This can be a real bonus to your finances if there is a bad car wreck.

What are State-Required Minimum Levels of Bodily Injury/Death Liability Insurance?

All states except New Hampshire require car insurance before residents can legally drive. This required auto insurance consists of bodily injury, property damage and, in some cases, additional required coverages. Here’s a look at the amount of bodily injury coverage each state requires its driving residents to carry.

State Minimum Bodily Injury Liability
Alabama $25,000/$50,000
Alaska $50,000/$100,000
Arizona $25,000/$50,000
Arkansas $25,000/$50,000
California $15,000/$30,000
Colorado $25,000/$50,000
Connecticut $25,000/$50,000
Delaware $25,000/$50,000
Georgia $25,000/$50,000
Hawaii $20,000/$40,000
Idaho $25,000/$50,000
Illinois $25,000/$50,000
Indiana $25,000/$50,000
Iowa $20,000/$40,000
Kansas $25,000/$50,000
Kentucky $25,000/$50,000
Louisiana $15,000/$30,000
Maine $50,000/$100,000
Maryland $30,000/$60,000
Massachusetts $20,000/$40,000
Michigan $50,000/$100,000
Minnesota $170,000/$510,000
Mississippi $25,000/$50,000
Missouri $25,000/$50,000
Montana $25,000/$50,000
Nebraska $25,000/$50,000
Nevada $25,000/$50,000
New Hampshire* $25,000/$50,000
New Jersey $15,000/$30,000
New Mexico $25,000/$50,000
New York $25,000/$50,000
North Carolina $30,000/$60,000
North Dakota $25,000/$50,000
Ohio $25,000/$50,000
Oklahoma $25,000/$50,000
Oregon $25,000/$50,000
Pennsylvania $15,000/$30,000
Rhode Island $25,000/$50,000
South Carolina $25,000/$50,000
South Dakota $25,000/$50,000
Tennessee $25,000/$50,000
Texas $30,000/$60,000
Utah $25,000/$65,000
Vermont $25,000/$50,000
Virginia $30,000/$60,000
Washington $25,000/$50,000
West Virginia $25,000/$50,000
Wisconsin $25,000/$50,000
Wyoming $25,000/$50,000

* Florida: Florida requires drivers to purchase a minimum of $10,000 Personal Injury Protection (PIP) but no bodily injury/death liability insurance.

* New Hampshire: New Hampshire does not require car insurance. However, if you are responsible for someone else’s injuries and damages, you must show proof of financial responsibility. Choosing to buy the minimum liability available can protect your assets if you cause an accident. If you buy insurance, these are the minimum amounts you will be required to purchase.

Finding Affordable Bodily Injury/Death Liability in Your State

Liability car insurance is an affordable way to protect yourself and your loved ones while driving. Freeway Insurance agents will research multiple companies to find the best policy for your needs and budget. You can get an online insurance quote, call us at (800) 777-5620 or visit us at an office near you.

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