Get a quote

Liability car insurance coverage

The protection you need if you ever cause an accident.

Check our prices

What is Liability car insurance coverage?

Liability insurance helps you if you cause an accident. If anyone else is injured in the accident, or if someone else’s property is damaged, Liability covers those costs.

What does Liability insurance cover?

icon black circle with medical cross

Bodily Injury

If you cause an accident and others are injured, Bodily Injury covers their medical expenses, like doctor visits, hospital stays, and physical therapy. It may not cover you or any of your family members in the car with you—you may need to purchase additional coverage if you want help paying for your own injuries when you cause an accident.

icon black circle with car in shield

Property Damage

If you cause an accident that results in damage to someone else’s property, like their car, Property Damage helps to cover the repair or replacement costs. It does not cover any damage to your own vehicle or property (that’s what Collision coverage is for).

How much Liability coverage do I need?

Every state has their own minimums for Liability. So the least (and cheapest) amount of coverage you need depends on where you live. Learn your state minimums. While you don’t need to carry more than your state minimum, you should consider how much risk you’re willing to accept if you’re in an accident.

Choosing your coverage

When customizing your Liability coverage in the app, you choose a limit. The limit is the maximum amount Root will pay out per accident, no matter how many people are injured or how much property is damaged. You will pay for any costs above and beyond your limits. 

Your Bodily Injury limits consist of the maximum amount Root will pay per person and the maximum amount Root will pay per accident. For example, for a limit of $25,000/$50,000, Root would cover up to $25,000 for each injured person and up to $50,000 total per accident. You would pay for any costs above those limits. Your Property Damage limit is the maximum amount Root will pay per accident to repair or replace property damage (often the other parties’ cars). For example, if you choose a $25,000 limit, Root would pay up to that amount. You would pay for any costs above and beyond your limit.

How much does Liability insurance cost?

The cost of Liability coverage depends on the limits you choose.

White SUV with large orange shield icon

Higher limits will raise your monthly or 6-month insurance rate, but you’ll have more coverage if you ever cause an accident. That lowers your chances of having to pay anything out of pocket.

White SUV with smaller orange shield icon

Lower limits will give you a lower rate, but you will have less coverage. If you ever cause an accident, you would be responsible for any costs above your limit.

The Root app makes it easy

You can see how much Liability coverage will cost based on the limits you choose. 

Check out all of Root’s coverage options.

Check our prices

Related blogs

How to choose Liability, Bodily Injury & Property Damage coverage

May 2, 2018

Car Insurance in Everyday English, Part 1 | Car insurance—you've got to have it, but that doesn't always mean you understand it.

Read more

How Root prices car insurance

October 6, 2017

You might already know we’re a different kind of car insurance company—based all in the Root app—and that good drivers save up to 52%. But how does Root Insurance actually work?

Read more

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsContactInvestor relations
PressBlogTerms and conditionsPrivacy policyApp license agreementUGC privacy noticeWeather related eventsNon-weather emergenciesSitemapDo not sell or share my personal informationManage Cookies

Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.