Updated April 2026
What Is Liability Insurance Insurance?
How Much Does Liability Insurance Insurance Cost?
- Your driving record has the largest impact — a single at-fault accident can raise liability premiums 20–40% for three to five years, while a DUI often doubles or triples your rate and may require an SR-22 filing.
- Coverage limits you select: increasing from 25/50/25 to 100/300/100 typically adds $15–$30/month but provides substantially more lawsuit protection.
- Where you live and park your car — urban areas with higher accident rates and more uninsured drivers (like Detroit or Los Angeles) cost significantly more than rural zip codes.
- Your age and gender — drivers under 25, especially males, pay 50–100% more due to statistically higher at-fault accident rates.
- Your credit-based insurance score in states that allow it — poor credit can increase liability premiums by 30–70% with some carriers.
- Annual mileage — driving 20,000+ miles per year versus 7,500 increases your exposure and typically raises rates 10–20%.
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