Liability Insurance

Get affordable liability car insurance online in minutes.

What is liability insurance coverage?

Liability insurance is a car insurance policy that covers other people and their property when you cause an accident. It’s composed of two types of liability insurance that are usually sold together: Bodily Injury insurance and Property Damage insurance. 

Property Damage liability covers damages you cause to someone else’s property. The damaged property is often a vehicle, but not always. (If you drive your car into the side of someone’s barn, Property Damage liability coverage would pay to have the barn wall fixed.)
Bodily Injury liability pays for other people’s injuries after an accident you cause. For example, if you caused an accident which sent two people to urgent care, Bodily Injury coverage would pay for their hospital bills and any medication they needed afterward.

If you’re interested in saving money with pay-per-mile liability coverage, you’ll be happy to know that it works just the same as standard liability auto insurance. With Metromile, you’ll get the same liability coverage you’d get from any quality insurer (but you’ll likely pay less for it!).

What does liability insurance car insurance cover and what isn’t covered?


Damage you cause to other vehicles
Damage you cause to other people’s property (such as a house or street sign)
The injuries of other people, (such as drivers,passengers, and pedestrians)
The cost of lawsuits and attorneys

Not Covered³

Your own vehicle (Need Comprehensive or Collision?)
Your injuries (Need MedPay or Personal Injury Protection?)
Damage that isn’t caused by you (think: hail or storm damage)

Liability insurance personalized for you

Check out the coverage we offer in your state








New Jersey

How much is liability insurance?

What you’ll pay for your liability coverage is based on a lot of factors, including where you are in the country, your driving safety record, and how much coverage you purchase. Higher coverage limits are more expensive, of course, but they also offer more protection.

And there’s good news, too. You could pay a lot less for your liability coverage when you switch to pay-per-mile car insurance. In fact, you could pay as little as 6 cents per mile for your car insurance with liability coverage with Metromile (plus a low monthly rate starting at only $29 per month). 

Pay less when you drive less. It’s a common sense approach that saves Metromile customers an average of $741* per year.

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How does liability coverage work?

You cause an accident

You accidentally rear-end the SUV in front of you, denting the bumper and rear hatch and causing $3,500 worth of damage.

The other party files a claim

The driver of the SUV files a liability claim with your insurance company.

They get money to pay for the damage

After your insurer reviews the case, the other driver gets a payout to repair the vehicle (or your insurance company will pay the shop directly).

Why get liability insurance from Metromile?

Why get comprehensive insurance from Metromile?

• You could save up to 47%* with pay-per-mile car insurance coverage.

• Clear communication and an easy-to-use app

• Get a quote in 5 minutes!

Liability car insurance coverage FAQs

See all of our FAQs

Can you have liability insurance on a financed car?

Yes. In fact, you need liability insurance for your financed or leased car! Your lease contract almost certainly requires you to cover your car with liability, comprehensive, and collision insurance—and liability insurance is legally required almost everywhere!

Does liability cover my car if someone hits me?

Liability insurance coverage comes into play when you cause an incident. So if someone else runs into your car and is deemed at-fault, your liability insurance won’t cover the incident. Instead, their liability insurance should pay for your damages. 

(Keep in mind that many people drive illegally without liability insurance. If you want to make sure you’re protected—even if the other driver doesn’t have insurance—be sure to get collision coverage as well as Uninsured & Underinsured Motorist coverages.)

Is liability insurance required?

Yes. Liability coverage is a legal requirement in almost every state, and you need proof of an active policy every time you drive. (You could face fines and jail time if you’re caught driving without liability insurance.)


See what customers are saying about Metromile

“Overall I am very satisfied with your company. Should have switched years ago. would have saved a lot of money. Highly recommended!”

Joesph A.

“I have really loved the Service from Metromile. My Insurance charges have come down pretty well and I am happy with the service.”

Siddeswara E.

“I always shop around to get the best deal in auto insurance. At least I thought i was getting the best deal, until…I saw Metromile! They saved me big bucks over my previous auto insurance, which I thought was already the lowest! Metromile was $100 cheaper per month! Great! I love it! Thanks, Metromile!”

David C.