Bodily Injury Liability (BIL) Auto Insurance (2024)

You might be wondering what bodily injury liability (BIL) auto insurance means and how much you need. BIL is a type of auto insurance that covers medical expenses and lost wages for other drivers in at-fault accidents. On average, BIL insurance costs $25 monthly, so finding cheap bodily injury coverage should be easy.

Keep reading to learn more about what bodily injury liability is, whether you can file a bodily injury claim against your own insurance, and how to find cheap BIL coverage. Then, get a good start comparing liability auto insurance rates using our helpful tool above simply by typing in your ZIP code.

Bodily Injury Liability (BIL) Auto Insurance Definition

What is liability auto insurance coverage? Liability coverage that pays for the other person’s bills when you cause an accident.

If you cause an accident that causes injury to others, bodily injury liability auto insurance coverage pays for their medical expenses and any income they lost while recovering. However, it doesn’t cover your personal injuries, so you can’t file a bodily injury claim against your own insurance.

For a fuller bodily injury liability insurance description, take a look at a brief and fun video further explaining what this form of coverage is. Note that the video will also go into the definition of property damage liability.

In short, bodily injury liability covers medical expenses, and property damage liability covers damage costs for an individual’s vehicle and/or property.

Note that these forms of coverage are usually a package deal. Let’s take a look at a table comparing rates for liability coverage state by state.

Liability vs. Full Coverage Auto Insurance Rates by State

The bottom line is that you are usually going to need liability insurance and it’s not all that expensive. Let’s move on to see which states require bodily injury liability insurance.

Bodily Injury Liability Auto Insurance Requirements

Interestingly enough, every state except Florida requires BIL insurance. All 50 states and Washington D.C. require property damage liability.

So, why Florida? Florida minimum auto insurance requirements include personal injury protection (PIP) since it’s a no-fault state. With that being said, no matter who caused the accident, their own personal injury protection covers them in Florida.

Let’s move on to see how much bodily injury liability insurance coverage you’ll need in the states that require it.

If you were to listen to the majority of experts, what you would need is coverage amounts of $100,000 for one individual and $300,000 for the accident. A lot of states require only $25,000/$50,000, though. With that being said, it may not be enough.

Just because you have this BIL insurance coverage amount, or your state’s particular minimum, doesn’t mean you are truly, fully covered. If you cause an accident and your insurance doesn’t cover you fully, you’re essentially opening yourself up to lawsuits.

The premiums paid would pale in comparison to the ramifications of a lawsuit. So, depending on where you live and how likely an accident is, it’s best to raise your coverage level.

How to Get Cheap Bodily Injury Liability Auto Insurance Coverage

Finding affordable bodily injury liability insurance should be easy, since average rates start at $25 monthly. BIL insurance covers medical expenses and lost wages for other drivers in at-fault accidents, so you can’t file a bodily injury claim against your own insurance. Read more about how to manage your auto insurance policy.

What's an at-fault accident🚘? Can you be at fault if you live in a no-fault state🇺🇸? https://t.co/27f1xf131D has the info you need to clear things up. Find out what you need here👉: https://t.co/LWLZy8nIWK pic.twitter.com/SuFnzANtes

— AutoInsurance.org (@AutoInsurance) September 4, 2023

For bodily injury liability insurance quotes, type your ZIP code into our helpful tool below and get bodily injury liability insurance rates for bodily injury liability coverage from insurers in your area.