Updated April 2026
What Is Liability Insurance Insurance?
How Much Does Liability Insurance Insurance Cost?
- Violation type and severity—DUI increases rates 80–300%, while reckless driving or at-fault accidents increase rates 40–120%
- State filing requirement—SR-22 filing adds $15–$50 to your premium; FR-44 in Florida and Virginia often adds $25–$65 due to higher minimum limits
- Coverage limits chosen—state minimum liability costs significantly less than higher limits, but leaves you exposed to personal liability in serious accidents
- Time since violation—rates typically decrease 10–20% each year as the violation ages, with the steepest drops after year 3
- Non-standard carrier risk assessment—some carriers specialize in DUI drivers and may offer better rates than general non-standard carriers
- Additional violations or claims—a second violation during your SR-22 period can double your already-elevated rates or result in policy non-renewal
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