How Much is Liability Insurance?

closeup of a car key and a car insurance policy

How much does liability insurance cost? Typically, liability insurance policy costs for Phoenix drivers depends on the chosen policy, and on a few other variables. Some of these determining factors include your driving record, where you live, your vehicle type, and your age, to name a few.

If you’re looking for an average numeric estimate, the National Association of Insurance Commissioners has most recently calculated the national average cost of liability insurance per driver to be $538.73, annually. Below you’ll find the guide from our Land Rover North Scottsdale finance experts on what influences liability insurance rates.

What is Liability Insurance?

Liability insurance covers the costs associated with the other driver in an accident in which you are found at fault. These associated costs fall into two categories and thus, determine how Scottsdale drivers can structure a policy. The two categories are:

  • Bodily Injury Liability – This element, as the name implies, covers medical bills, pain and suffering, etc. experienced by the other driver as a result of the accident.
  • Property Damage Liability – This insurance covers the damage to the other party’s property (like their vehicle) and the loss of use of that property. The physical damage done and inconveniences caused will be covered.

What Determines Liability Insurance Rates?

As mentioned, these two categories influence how a liability insurance policy is structured. You’ll see the policy named in a three number format like 100/300/50. Those numbers indicate the maximum amount the insurance policy will cover for personal injury, total injury, and property damage. So, for example:

  • $100,000 in bodily injury coverage
  • $300,000 in total bodily injury coverage (includes passengers, etc.)
  • $50,000 property damage coverage

It is important to note that these maximums are flexible based on the aforementioned factors and what you are looking for from your policy. Minimums are set by the state. Your Paradise Valley insurance agent will help you choose the best liability insurance coverage for you and that will determine your exact monthly rates.

Learn More at Land Rover North Scottsdale

To learn more about what affects the cost of liability insurance rates, reach out to our friendly and knowledgeable finance team who is proud to assist the greater Cave Creek area. With any other questions regarding leasing or your financing options when it comes a new Land Rover, stop in today. Those looking to get behind the wheel of new vehicle in our lot are encouraged to come in for a test drive.

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Land Rover North Scottsdale

18100 N Scottsdale Phoenix, AZ

Phone: (855) 559-3222


Phone: (877) 704-6122

18100 N Scottsdale Phoenix, AZ


Phone: (855) 559-3222

18100 N Scottsdale Phoenix, AZ


Phone: (877) 704-6950

18100 N Scottsdale Phoenix, AZ
33.650245 -111.9262896
Land Rover North Scottsdale 33.650245, -111.9262896.