This question is quite complex, but the variable rate can be $300 to $2,000 per year for the first five years and then $2,000 to $3,000 afterwards. It just depends on the type of liability insurance you choose. It is also a general estimate that can vary from one location and one provider to the next, but it gives you an idea as to what to expect. Metropolitan areas often have higher rates than rural areas. A claims-only policy can be as low as $300 per year give or take for the first five years. After that, it can be as much as $2,000 per year. An occurrence policy is usually more based on the risk factors and can be anywhere between $1,000 and $2,000 a year for the first five years. After that, it can be as much as $3,000 per year.