Best Cheap Property Damage Liability (PD) Car Insurance Company (2021)
Some of the best property damage (PD) liability car insurance companies include GEICO, USAA, State Farm, Travelers, Nationwide, and Progressive. PD liability insurance covers damage to another person's property from an accident caused by the policyholder. The best property damage liability car insurance companies will offer low rates, excellent customer service, and discounts to help you save.
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UPDATED: Oct 28, 2021
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- Some of the best property damage (PD) liability car insurance companies include GEICO, USAA, State Farm, Travelers, Nationwide, and Progressive
- Property damage liability covers damage caused to another person’s property in an accident caused by the policyholder
- Almost every state (except New Hampshire) requires some amount of minimum property damage liability coverage
Because almost every state requires you to have a minimum amount of property damage liability car insurance, it is essential to understand where you can get it, what it covers, how much it costs, and more.
Below, we’ve compiled a list of some of the best property damage (PD) liability car insurance companies to help you decide more easily which company is right for you.
If you need to buy property damage liability car insurance, enter your ZIP code into our free quote comparison tool above to find car insurance companies near you.
What are the best property damage (PD) liability car insurance companies?
PD liability car insurance is available from major car insurance companies. We’ve listed some of the best PD car insurance companies below:
GEICO is a popular car insurance company because of its low rates and good customer service. Its claims process is easy, and its rates stay relatively low for drivers with bad credit or some traffic violations on their driving record.
USAA is another car insurance company that offers excellent rates. It provides coverage for members of the military, veterans, and their family members.
State Farm offers a wide variety of insurance products for consistently low prices across many different driver profiles. Safe drivers are likely to see especially competitive rates. State Farm also has excellent customer service.
Travelers is another major car insurance company that stands out for its great customer service ratings. It has some of the fewest customer complaints in the industry, and it offers affordable rates.
Nationwide offers mid-range, affordable pricing on a wide selection of insurance products. Its rates may be especially good for drivers with poor or bad credit.
Progressive is another large car insurance company that has mid-range, affordable prices for many different types of insurance. It also has some of the lowest percentage increases in rates for drivers with serious traffic violations.
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What is property damage (PD) liability car insurance?
Property damage liability insurance provides coverage for damage to another person’s property after an accident caused by you. PD coverage combines with bodily injury (BI) liability to make up general liability car insurance.
PD liability insurance may cover expenses such as repairs to a vehicle or home, damage to other objects, legal fees, lost income for the other party, or other expenses from an accident where you caused damage to another person’s property.
Unfortunately, PD liability does not cover damages to your own property.
After an accident, the other party is responsible for filing a claim with your insurance company. Your insurance company will cover their damages up to your coverage limits.
If you have a combined single limit liability policy, you will have one combined limit of PD and BI coverage. However, if you have a split limit policy, you will have two separate limit amounts for PD and BI coverage.
If the property damage exceeds insurance coverage limits, the person whose property was damaged may file a lawsuit against the policyholder to be paid the excess amount out of pocket.
How much does PD insurance cost?
PD liability rates are generally affordable. In the table below, we can see the average monthly car insurance rates by coverage type and state:
|States||Average Monthly Liability Rates||Average Monthly Collision Rates||Average Monthly Comprehensive Rates||Average Monthly Full Coverage Rates|
|District of Columbia||$58||$41||$19||$118|
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The liability rates in this table combine both PD and BI coverage into one general liability rate. However, your rates will vary based on how much coverage you get and your driver profile.
How can I save on liability car insurance?
One of the easiest ways to save on liability car insurance is to take advantage of discounts offered by your insurance company. The average amount for a car insurance discount is 10%, and you may qualify for more than one.
Some common car insurance discounts include multi-policy discounts, multi-car discounts, safe driving discounts, anti-theft discounts, good student discounts, paperless billing discounts, early-bird discounts, and more.
You could also take a defensive driving course or other driver’s education to qualify for some discounts. If you’re comfortable with having your driving tracked, many car insurance companies give discounts for a usage-based insurance (UBI) program.
Another way to save money on your car insurance is to adjust your deductible. If you can afford to pay more out of pocket, you can increase your deductible which would decrease your monthly rates and save you money in the long run.
If your car needs minor repairs due to an accident or other incident, and you can afford to pay for the repairs out of pocket, you should consider not filing a claim since claims can increase your rates.
How much property damage car insurance do I need?
Most states (except New Hampshire) require you to have a minimum amount of property damage that you must carry to drive legally.
|State||Insurance required||Minimum liability limits|
|Alabama||BI & PD Liab||25/50/25|
|Alaska||BI & PD Liab||50/100/25|
|Arizona||BI & PD Liab||15/30/10|
|Arkansas||BI & PD Liab, PIP||25/50/25|
|California||BI & PD Liab||15/30/5|
|Colorado||BI & PD Liab||25/50/15|
|Connecticut||BI & PD Liab, UM, UIM||25/50/20|
|Delaware||BI & PD Liab, PIP||25/50/10|
|District of Columbia||BI & PD Liab, UM||25/50/10|
|Florida||PD Liab, PIP||10/20/10|
|Georgia||BI & PD Liab||25/50/25|
|Hawaii||BI & PD Liab, PIP||20/40/10|
|Idaho||BI & PD Liab||25/50/15|
|Illinois||BI & PD Liab, UM, UIM||25/50/20|
|Indiana||BI & PD Liab||25/50/25|
|Iowa||BI & PD Liab||20/40/15|
|Kansas||BI & PD Liab, PIP||25/50/25|
|Kentucky||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Louisiana||BI & PD Liab||15/30/25|
|Maine||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|Maryland||BI & PD Liab, PIP, UM, UIM||30/60/15|
|Massachusetts||BI & PD Liab, PIP||20/40/5|
|Michigan||BI & PD Liab, PIP||20/40/10|
|Minnesota||BI & PD Liab, PIP, UM, UIM||30/60/10|
|Mississippi||BI & PD Liab||25/50/25|
|Missouri||BI & PD Liab, UM||25/50/25|
|Montana||BI & PD Liab||25/50/20|
|Nebraska||BI & PD Liab, UM, UIM||25/50/25|
|Nevada||BI & PD Liab||25/50/20|
|New Hampshire||FR only||25/50/25|
|New Jersey||BI & PD Liab, PIP, UM, UIM||15/30/5|
|New Mexico||BI & PD Liab||25/50/10|
|New York||BI & PD Liab, PIP, UM, UIM||25/50/10|
|North Carolina||BI & PD Liab, UM, UIM||30/60/25|
|North Dakota||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Ohio||BI & PD Liab||25/50/25|
|Oklahoma||BI & PD Liab||25/50/25|
|Oregon||BI & PD Liab, PIP, UM, UIM||25/50/20|
|Pennsylvania||BI & PD Liab, PIP||15/30/5|
|Rhode Island||BI & PD Liab||25/50/25|
|South Carolina||BI & PD Liab, UM, UIM||25/50/25|
|South Dakota||BI & PD Liab, UM, UIM||25/50/25|
|Tennessee||BI & PD Liab||25/50/15|
|Texas||BI & PD Liab, PIP||30/60/25|
|Utah||BI & PD Liab, PIP||25/65/15|
|Vermont||BI & PD Liab, UM, UIM||25/50/10|
|Virginia||BI & PD Liab (9), UM, UIM||25/50/20|
|Washington||BI & PD Liab||25/50/10|
|West Virginia||BI & PD Liab, UM, UIM||25/50/25|
|Wisconsin||BI & PD Liab, UM, Medpay||25/50/10|
|Wyoming||BI & PD Liab||25/50/20|
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Therefore, you must have at least the minimum amount of property damage liability insurance required by your state.
In 2019, the average for property damage was $4,525. Therefore, the minimum amount of coverage required by your state is likely to cover any damages that you cause during an accident.
With that being said, it may still be affordable to increase your coverage limits and keep yourself protected as much as you can afford to. If you are a resident of New Hampshire, property damage liability is recommended to make sure you don’t have to pay for expenses out of pocket.
Enter your ZIP code into our free quote comparison tool below to get affordable property damage (PD) liability car insurance quotes from companies near you.