Liability (or third party) insurance is mandatory in the United States (and just about everywhere else in the world).

How much does it cost?

Liability Insurance Cost Factors

A number of factors determine the cost of auto liability coverage. These include:

  • The insured's age (older => cheaper)

  • Driving history (longer => cheaper)

  • Points on the insured's driving record (less => cheaper)

  • The policy's limits (lower => cheaper)

Liability Insurance Indicative Costs

Below are indicative costs for a six-month liability policy for a 35-year-old primary insured with liability limits of 100 / 300 / 100:

Vehicle Type

Six-Month Policy Cost



Light Vehicle


Recreational Vehicle (RV)


These policy costs are indicative and subject to change without notice.

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