Liability insurance cost depends on how much coverage you get and other factors, such as your age, where you live, your driving record, and other variables. To give you an idea of how much liability costs for the average driver, here are rates based on a 2020 CarInsurance.com rate analysis. For example, listed below is the average cost of car insurance for three coverage levels, as follows: State minimum, this varies by state, and many states have different limits, but a typical amount is $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25) Liability limits of $50,000 for injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50) Full coverage with comprehensive and collision, which cover damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100)