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Liability Insurance for Teen Drivers

Liability Insurance pays for injuries and property damage your teen causes to others in an at-fault accident — it's the only coverage required by law in nearly every state.

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What Is Liability Insurance Insurance?

Liability Insurance has two components: Bodily Injury Liability pays medical bills, lost wages, and legal costs when your teen injures someone in an at-fault accident, while Property Damage Liability covers repair costs for other vehicles, buildings, fences, or property your teen damages. This coverage does not repair your teen's own vehicle or pay for their injuries — those require Collision and Medical Payments coverage — but it protects your family's assets from lawsuits when your teen is at fault.

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Who Needs Liability Insurance Insurance?

Every parent adding a teen driver and every young driver getting their first policy needs Liability Insurance — it's legally required in all states except New Hampshire and Virginia, and even there it's financially essential.

Start with your state's minimum liability requirements, then increase limits based on your assets and the teen's driving frequency. If your teen drives daily to school and activities, consider 250/500/100 limits or an umbrella policy.

Related Coverage Types

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Uninsured Motorist Coverage→

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Comprehensive Coverage→

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Collision Coverage→

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Full Coverage→

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