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Property Damage Liability (PDL) Insurance

Things to Remember

  • Property Damage Liability is also known as PD.
  • PD is required in all states and Washington, D.C. with the exception of New Hampshire.
  • Each state requires differing amounts of liability coverage.

Understanding the ins and outs of car insurance can be complicated. We’re here to help explain property damage liability insurance in detail. You can also learn how to save on auto liability insurance coverage.

Keep in mind that different states may have different laws, so property damage liability insurance in Ohio may be different from those in California, for example.

Get a head start on finding property damage liability insurance quotes in your area by typing your ZIP code into our helpful tool above. Find the property damage liability insurance company for you.

Table of Contents

Property Damage Liability: A Definition

What does property damage liability insurance mean? What is property damage liability and how does property damage liability work? This coverage assists in paying for damage you caused to another person’s vehicle or property with your vehicle.

What is liability auto insurance coverage? This form of insurance helps to pay the bills of an injured party in a situation where you caused an accident. The following video further explains liability coverage.

Most states require you to possess both forms of liability coverage.

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Property Damage Liability: Where You’ll Need It

According to the Insurance Information Institute, just about every state requires you to have both property damage liability and bodily injury liability coverages.

The following table details which states require what forms of coverage and the amount they require. The third column shows coverage requirements. The first two numbers are for BI for an individual as well as an accident. The third number is for PD Liability.

Bodily Injury and Property Damage Liability Requirements by State
StatesRequired Coverage TypesRequired Coverage Amounts
AlabamaBI & PD Liability25/50/25
AlaskaBI & PD Liability50/100/25
ArizonaBI & PD Liability15/30/10
ArkansasBI & PD Liability, PIP25/50/25
CaliforniaBI & PD Liability15/30/5
ColoradoBI & PD Liability25/50/15
ConnecticutBI & PD Liability, UM, UIM25/50/20
DelawareBI & PD Liability, PIP25/50/10
FloridaPD Liability, PIP10/20/10
GeorgiaBI & PD Liability25/50/25
HawaiiBI & PD Liability, PIP20/40/10
IdahoBI & PD Liability25/50/15
IllinoisBI & PD Liability, UM, UIM25/50/20
IndianBI & PD Liability25/50/25
IowaBI & PD Liability20/40/15
KansasBI & PD Liability, PIP25/50/25
KentuckyBI & PD Liability, PIP, UM, UIM25/50/25
LouisiannaBI & PD Liability15/30/25
MaineBI & PD Liability, UM, UIM, Medpay50/100/25
MarylandBI & PD Liability, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liability, PIP20/40/5
MichiganBI & PD Liability, PIP20/40/10
MinnesotaBI & PD Liability, PIP, UM, UIM30/60/10
MississippiBI & PD Liability25/50/25
MissouriBI & PD Liability, UM25/50/25
MontanaBI & PD Liability25/50/20
NebraskaBI & PD Liability, UM, UIM25/50/25
NevadaBI & PD Liability25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liability, PIP, UM, UIM15/30/5
New MexicoBI & PD Liability25/50/10
New YorkBI & PD Liability, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liability, UM, UIM30/60/25
North DakotaBI & PD Liability, PIP, UM, UIM25/50/25
OhioBI & PD Liability25/50/25
OklahomaBI & PD Liability25/50/25
OregonBI & PD Liability, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liability, PIP15/30/5
Rhode IslandBI & PD Liability25/50/25
South CarolinaBI & PD Liability, UM, UIM25/50/25
South DakotaBI & PD Liability, UM, UIM25/50/25
TennesseeBI & PD Liability25/50/15
TexasBI & PD Liability, PIP30/60/25
UtahBI & PD Liability, PIP25/65/15
VermontBI & PD Liability, UM, UIM25/50/10
VirginiaBI & PD Liability (9), UM, UIM25/50/20
WashingtonBI & PD Liability25/50/10
Washington D.C.BI & PD Liability, UM25/50/10
West VirginiaBI & PD Liability, UM, UIM25/50/25
WisconsinBI & PD Liability, UM, Medpay25/50/10
WyomingBI & PD Liability25/50/20
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Notice how every state, save for New Hampshire, requires property damage liability. New Hampshire still requires its drivers to possess proof of financial responsibility, but it is not labeled PD or BI.

How much property damage liability should I get?

You should purchase as much property damage liability coverage as possible, especially if you live in a densely populated urban environment where the risk of damaging another individual’s property is high.

In terms of an exact figure, the minimum is determined by your state. The best amount of coverage, though, is $500,000 worth of both forms of liability coverage. Coverage requirements vary by state, so learn about the car insurance requirements where you live.

Are you ready to buy property damage liability insurance? Type your ZIP code into our helpful tool below to find reasonable property damage liability insurance rates from insurers in your area.

Frequently Asked Questions: Property Damage Liability Insurance

Now you know more about property damage liability insurance companies, but just in case you have questions, check out some common ones below.

#1 – Is there a deductible for property damage liability?

Liability insurance does not require a deductible.

#2 – What is the difference between collision and property damage insurance?

Property damage liability insurance covers the cost of repairs you cause to another person’s property, whereas collision coverage pays for your own vehicle’s repairs.

#3 – What is property damage liability for Geico?

Although Geico is a popular company, it is the same standards for property damage liability as other insurers.

#4 – Does liability cover your car?

No. Liability covers the other, injured party’s medical bills and/or property damage costs.

#5 – What if I change my deductible before filing a claim?

If you have already been involved in an accident, you are legally not allowed to reduce your deductible prior to filing a claim.

#6 – How do I not pay a deductible?

The only way to do so is by setting up a side deal with the mechanic in charge of fixing your automobile.

#7 – What is a $500 deductible?

A deductible is the amount of money you will have to pay toward repairs prior to your insurance covering the rest. If the total cost of damages is $4,000 and your deductible is $500, you’ll still only be paying $500.


  1. https://www.iii.org/automobile-financial-responsibility-laws-by-state

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