Best Liability Auto Insurance Coverage for 2025
Find the best liability auto insurance and basic liability coverage that meets state requirements. Compare liability car insurance options and liability only insurance policies to protect your assets affordably.
Nearly 10 million competitive rates provided by companies like:
How to Choose
Know your state's basic liability minimums for legal compliance
Research required liability auto insurance limits and ensure your liability car insurance meets or exceeds these mandatory liability insurance standards.
Consider raising liability car insurance limits beyond minimums
Higher liability auto insurance coverage provides better asset protection than basic liability minimums, especially for drivers with significant wealth or property.
Compare liability insurance quotes with identical limits across providers
Ensure accurate liability car insurance comparisons by requesting quotes with the same liability only insurance coverage amounts from multiple insurers.
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Frequently Asked Questions
What does liability auto insurance cover exactly?
Liability car insurance covers bodily injury and property damage you cause to other people in accidents. This essential liability insurance pays for medical expenses, vehicle repairs, and legal costs up to your basic liability policy limits, but doesn't cover your own vehicle or injuries.
Is basic liability coverage sufficient for most drivers?
Basic liability coverage meets legal requirements but may not provide adequate financial protection. While liability only insurance costs less, experts recommend higher liability auto insurance limits than state minimums to protect personal assets from potential liability car insurance claims.
How much liability car insurance should I carry?
Insurance experts typically recommend at least 100/300/100 liability auto insurance coverage (100k per person, 300k per accident, 100k property damage) for adequate protection. Consider your assets and income when determining appropriate liability insurance limits beyond basic liability minimums.
What are penalties for driving without liability insurance?
Penalties for lacking required liability auto insurance vary by state but may include fines, license suspension, vehicle impoundment, or jail time. Maintaining continuous liability car insurance coverage is essential for legal driving and avoiding costly basic liability violations.
Can I switch from full coverage to liability only insurance?
Yes, many drivers switch to liability car insurance only to reduce costs, especially for older vehicles. However, consider that liability auto insurance doesn't cover your own vehicle damage, making this basic liability approach suitable primarily for low-value cars.