Research Writer
Elena Petrova
Elena Petrova is a research writer at Liability Only Car Insurance. She came to insurance writing from a background in regulatory research, where she tracked state insurance legislation for a policy publication.
On this site she maintains the state-by-state requirements table, writes about pricing and comparison, and updates pages when states change their minimums.
Elena is based in Overland Park, Kansas.
- Based in Overland Park, Kansas
- Covering auto insurance since 2018
- Focus areas: state insurance requirements, liability pricing, regulatory research
- Education: University of Kansas (M.P.A.)
Guides
Guide
How Much Liability-Only Car Insurance Costs
Typical liability-only premiums by state and driver, how much cheaper it is than full coverage, and why the saving is smaller than people expect at higher limits.
Guide
Liability Insurance Minimums by State
Every state's minimum liability requirements and the extra coverages some states mandate—PIP, uninsured motorist, MedPay—in one reference table.
Guide
Liability-Only vs Full Coverage
A direct comparison of liability-only and full coverage: what each pays, what each costs, and a worked example for cars of different values.
Guide
How to Compare Liability-Only Car Insurance Quotes
A method for comparing liability-only quotes: fix the limits, include UM and any required PIP, standardise inputs, add fees, and check for filings if needed.