Best Property Damage Liability (PD) Car Insurance Companies (2021)

GEICO, American Family, and Nationwide are the best property damage liability (PD) car insurance companies in the United States. On average, you could pay as low as $48/mo. However, your rates will vary. Shop around and compare the best property damage liability (PD) auto insurance companies to secure affordable rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • PD liability car insurance covers property damage of no-fault drivers
  • You can’t receive PD liability car insurance as a stand-alone coverage
  • On average, liability-only car insurance is $48/mo

Are you searching for the best property damage liability (PD) auto insurance companies? Property damage liability is one of the essentials of car insurance.

But why do drivers need PD liability car insurance? Don’t worry – we’re here to help. Read this guide to locate the top PD liability auto insurance companies and learn how much property damage liability is recommended.

Also, we’ll show you which policy is required when property damage exceeds insurance coverage.

If you’re ready to compare the best property damage liability (PD) car insurance companies, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.

What are the best property damage liability (PD) car insurance companies?

The best PD liability auto insurance companies are GEICO, State Farm, American Family, Nationwide, and USAA.

These five companies are known for affordable property damage liability car insurance. Each of the top companies has a significant share in the auto insurance industry.

But how do potential customers get cheap property damage liability car insurance quotes?

Before you buy property damage liability car insurance, read on to the next section to see the estimated PD liability car insurance cost.

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How much are property damage liability car insurance rates?

Your property damage liability is part of liability auto insurance. In other words, PD liability car insurance is included in liability insurance.

The latest National Association of Insurance Commissioners (NAIC) report says that the average liability car insurance rate is $581 per year (or $48 a month).

Our research found that liability auto insurance is about 53% of full coverage car insurance.

If liability coverage is 53% of full coverage auto insurance, how much would liability car insurance cost at the best insurance companies?

Let’s examine the estimated liability insurance rates at the top auto insurance companies in the United States.

  • Allstate – $169/month
  • American Family – $119/month
  • Farmers – $153/month
  • GEICO – $95/month
  • Liberty Mutual – $211/month
  • Nationwide – $121/month
  • Progressive – $150/month
  • State Farm – $125/month
  • Travelers – $152/month
  • USAA – $85/month
  • Average – $138/month

These car insurance rates reflect liability-only coverage. Adding other coverage options will increase your rates.

You should always try and use as many car insurance discounts as possible to keep monthly rates low.

USAA auto insurance is the cheapest in the nation, but it’s only available to military veterans and their immediate families.

GEICO, American Family, Nationwide, and State Farm have monthly rates under $150 a month, but those rates may vary for you.

How much property damage car insurance do I need?

All drivers should carry the minimum auto insurance requirements, but each state has different needs.

Let’s review the car insurance requirements for every state and break down what the limits mean.

Minimum Auto Insurance Requirements by State
StateInsurance Required Minimum Liability Required Limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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The limits in the data are abbreviated. For example, some states have coverage limits of 25/50/25.

Here’s how you can read 25/50/25 coverage limits:

  • $25,000 for bodily injury of one person per accident
  • $50,000 for bodily injury of multiple people per accident
  • $25,000 for property damage

The last number in the coverage limit series (i.e., 25/50/25) is associated with property damage.

Your required limits depend on the state where you live. However, you should consider a higher coverage limit.

What is the recommended coverage limit for property damage liability car insurance?

Some states have low property damage liability limits compared to other areas in the United States. We recommend that you purchase a medium or medium-high PD liability insurance limit.

Medium coverage limits are usually 50/100/50, and medium-high coverage limits are 100/300/100.

If you live in a city where the average vehicle is worth $25,000 or more, you should get a higher coverage limit.

Take a step further and get a personal umbrella policy. Umbrella insurance has coverage limits of $1 million or more.

How does property damage liability car insurance work?

PD liability auto insurance provides coverage for any damaged property when you’re at fault in a car accident. Your car insurance company pays out claims to the no-fault driver or property owner.

Your PD liability car insurance pays for damage to vehicles, homes, and other property damage up to the limit you purchased at the start of the policy.

What’s not covered by property damage liability car insurance?

Property damage liability auto insurance won’t cover an at-fault driver’s vehicle damage or bodily injury from an accident.

To get coverage for bodily injury and property damage when you’re an at-fault driver, you’ll need no-fault insurance coverage options like personal injury protection (PIP) and collision auto insurance.

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How do I file a property damage liability car insurance claim?

If you were a no-fault driver in an accident, you could file a claim with the at-fault driver’s auto insurance company.

Contact the at-fault driver’s insurance company and let them know you want to file a claim. The representative will ask you for personal information.

Here are a few items you need when you submit your claim.

  • Name
  • Address
  • Police report (contains policy information from the at-fault driver)
  • Your driver’s license (on the police report)
  • Photos of the damage
  • Estimates (you can get this before and after you contact the insurance company)

An adjuster may come out to inspect your car regardless of the steps you take.

Most car insurance companies go with the lowest of three estimates before issuing a claim check to you or the auto repair shop.

Best Property Damage Liability (PD) Car Insurance Companies: The Bottom Line

PD liability auto insurance is essential to your overall coverage. You won’t be able to buy car insurance without it.

For now, GEICO is the cheapest company for property damage liability auto insurance.

Enter your ZIP code into our free online quote tool to compare the best property damage liability (PD) car insurance companies near you.

Frequently Asked Questions: Best Property Damage Liability (PD) Car Insurance Companies

Do you want to know more about PD liability auto insurance? Check out answers to frequently asked questions in the subsections below.

#1 – Can I get property damage liability (PD) car insurance if I don’t own a car?

The short answer is yes. Non-owner auto insurance includes PD liability insurance.

#2 – Should I buy personal umbrella insurance?

If you want to be sure that you have enough to cover an accident, you should buy personal umbrella insurance.

#3 – Does property damage liability car insurance have a deductible?

The answer is no. PD liability auto insurance is at-fault insurance coverage and doesn’t have deductibles.

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