FAQ
Frequently asked questions
Short answers about liability only car insurance. Each links to the guide that covers the question in depth.
All questions
What does liability-only car insurance cover?
Injuries and property damage you cause to others, plus your legal defence—nothing for your own car. See what it covers.
How much is liability-only insurance?
Typically $500–$900 a year at state minimums for an adult with a clean record; 40–60% less than full coverage. See cost.
When should I switch to liability-only?
When the car is paid off, worth a few thousand dollars, and collision/comp cost 10%+ of its value per year. See when it makes sense.
What liability limits should I carry?
100/300/100 with matching UM for most households. See limits.
What is the minimum in my state?
Most states require 25/50/25 or similar; see the state table.
Does this site sell insurance?
No. It is an independent reference; quote tools connect you with licensed comparison partners. See the advertising disclosure.