Bodily Injury Liability (BIL) Auto Insurance Defined in 2025 (Coverage Breakdown)

Bodily injury liability auto insurance covers health care expenses and lost wages for people you injure in an at-fault accident.

Most states require a minimum amount of both property damage and bodily injury liability coverage. Getting a liability-only auto insurance policy is your cheapest option for car insurance, but it doesn’t protect your car.

Read on to learn what bodily injury liability insurance covers and how much it costs. Then, enter your ZIP code into our free comparison tool above to see average bodily injury coverage costs in your area.

Bodily Injury Liability (BIL) Auto Insurance Definition

What is bodily injury liability auto insurance coverage? The definition of bodily liability coverage pays for the medical expenses of other drivers, passengers, and anyone else you injure in an at-fault 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.

You may have noticed that insurance companies sell two types of liability insurance — bodily injury and property damage. Both types of coverage are required in most states and work similarly.

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

The bottom line is that you are usually going to need liability insurance and it’s not all that expensive. You can also find affordable bodily injury coverage by looking at the best property damage liability auto insurance companies. Let’s move on to see which states require bodily injury liability insurance.

Bodily Injury Liability Insurance Rates

Now that you know what bodily injury means in insurance, your next step should be figuring out how much it costs. Finding cheap liability auto insurance coverage is usually simple – it’s one of the cheapest types of auto insurance you can buy.

Although auto liability coverage is affordable, you should still compare rates to find the best prices. Take a look below to see the average price of BIL insurance in your state.

Like other types of insurance, liability insurance rates are affected by a variety of factors. One of the most important is your driving record. Check the rates below to see how much bodily liability insurance might cost you based on your driving record.

Bodily Injury Liability Auto Insurance Rates by Driving Record

These price discrepancies are why comparing rates is so important. You can get a personalized quote from most companies by visiting their homepage and filling out a request form.

If that sounds too time-consuming, you can fill out a quote-generating tool to get prices from most insurance companies available in your area.

Bodily Injury Liability Auto Insurance Requirements

Interestingly, every state except Florida requires BIL insurance, and all 50 states and Washington D.C. require property damage liability. They require both types of liability insurance just in case you’re involved in an at-fault accident.

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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.

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.

Get Cheap Bodily Injury Liability Auto Insurance Coverage Today

Finding affordable bodily injury liability insurance should be easy since average rates start at $18 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.

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