Liability Only Auto Insurance

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Liability Only Auto Insurance

Is your car older than 10 years old and has depreciated 70% or more? Do you own a second vehicle that is only driven a few times a month? Or are you a student that only drives a few miles a week and doesn’t need expensive coverage? Or perhaps you’re a retired person that wants to reduce their car insurance costs and just don’t know-how. If this sounds familiar, then you might want to look into a liability only auto insurance policy.

Liability Car Insurance Is The Cheapest Type of Coverage

Are you interested in saving money on your auto insurance? Are you in a situation where you just can’t afford comprehensive insurance for your used automobile? If you answered yes to some of these questions, then you might look into a liability-only car insurance policy. While the coverage is limited, it can save you hundreds per year over full coverage policies. In fact, for qualified drivers, policies start at about $30 a month.

State Minimum Liability Insurance

If you operate a motorized vehicle in the U.S., you are going to need minimum liability insurance coverage. There is only one state, New Hampshire, that does not require residents to maintain liability coverage to legally drive. Even if you live in New Hampshire, carrying auto insurance is a smart decision that could save you money in the long run if you get into a major wreck.

States set their own insurance laws and minimum coverage requirements. If you are looking into a “bare bones” policy, that is the cheapest and still meets state requirements, then you can get covered with minimum liability coverage. Make sure you understand the minimum liability coverage laws in the state where you reside.

What Liability Only Auto Insurance Covers

Liability car insurance is designed to pay out, up, and to the policies limits, when you are ruled at fault in an accident.

You will be covered for:

  • Bodily Injury

If you hit another vehicle and were ruled at fault, liability coverage will pay for the drivers’ and or passengers’ medical costs up and to the policy limits. The amount covered will depend on the limits you choose. With medical care increasing each year,  it’s smart to get a high-limit policy, to be adequately insured. State minimum coverage will often not cover bodily injuries in serious vehicular accidents.

  • Property Damage

If you were ruled at fault, while causing an accident with another party’s property, liability insurance will pay for the property damages that occurred, up, and to the policy limits. This usually is the vehicle you damaged in an incident you caused. For example, you backed into a vehicle in a parking lot and caused $2,000 in automobile body damage that you would then be liable for.

Liability Only Car Insurance Limits
The payout your insurance company pays for a liability automobile insurance claim is dependent on the coverage limits you select. Each state in the U.S. has insurance departments that create guidelines for consumers purchasing coverage.

You must buy the minimum amount of liability auto insurance in the state where you live but are free to purchase additional amounts. Remember, auto insurance is there to protect you financially. For example, if you’ve accumulated $100,000 in assets, then try to buy coverage limits for $100,000 or even higher.

Liability Car Insurance Coverage Requirements by State

 

State Min Bodily Injury Per Person Min Bodily Injury Per Accident Min Property Damage Per Accident
Alabama 25k 50k 25k
Alaska 50k 100k 25k
Arizona 25k 50k 15k
Arkansas 25k 50k 25k
California 15k 30k 5k
Colorado 25k 50k 15k
Connecticut 20k 50k 25k
Delaware 25k 50k 10k
District of Columbia 25k 50k 10k
Florida N/A N/A 10k
Georgia 25k 50k 25k
Hawaii 20k 40k 10k
Idaho 20k 50k 15k
Illinois 25k 50k 20k
Indiana 25k 50k 10k
Iowa 20k 40k 15k
Kansas 25k 50k 10k
Kentucky 25k 50k 10k
Louisiana 15k 30k 25k
Maine 50k 100k 25k
Maryland 30k 60k 15k
Massachusetts 20k 40k 5k
Michigan 20k 40k 10k
Minnesota 30k 60k 10k
Mississippi 25k 50k 25k
Missouri 25k 50k 10k
Montana 25k 50k 10k
Nebraska 25k 50k 25k
Nevada 25k 50k 20k
New Hampshire* 25k 50k 25k
New Jersey 15k 30k 5k
New Mexico 25k 50k 10k
New York 25k 50k 10k
North Carolina 30k 60k 25k
North Dakota 25k 50k 25k
Ohio 25k 50k 25k
Oklahoma 25k 50k 25k
Oregon 25k 50k 20k
Pennsylvania 15k 30k 5k
Rhode Island 25k 50k 25k
South Carolina 25k 50k 25k
South Dakota 25k 50k 25k
Tennessee 25k 50k 15k
Texas 30k 60k 25k
Utah 25k 65k 15k
Vermont 25k 50k 10k
Virginia** 25k 50k 20k
Washington 25k 50k 10k
West Virginia 25k 50k 25k
Wisconsin 25k 50k 10k
Wyoming 25k 50k 20k

When you buy a Liability Only Policy, there are 2 limit Types

Coverage for Property Damage

When you choose your liability insurance limit, this is the max amount the auto insurance carrier pays to replace or repair the damage you caused. You can increase coverage by raising the limit. If you currently can’t afford to raise your limits, when you can, it would be a smart move that would offer greater financial protection.

Bodily Injury per Person and per Accident

These coverage amounts will cap the amount paid for each person you caused injury to and a total amount per accident. This amount is important, as medical costs are rising and can far exceed state-mandated limits for liability coverage. If you hit a car full of passengers, there is a good chance your cap will be exceeded, at which point you may get sued for the remaining balance.

State Minimum liability Only Laws

You might be tempted to go for the cheapest liability auto insurance with a low, state minimum insurance policy. This should be reserved for those who have a car in storage, or a vehicle that is rarely used, or for those drivers that are in extreme financial hardship.

With healthcare costs exploding over the past 20 plus years, you need to consider protecting yourself from a serious at-fault accident. This means buying the highest limit amount you can afford. A good starting point is $100,000 in liability coverage. This will often exceed state minimums but will protect you from most accident claims when you caused an accident.

While some liability policies that can be purchased for just $30 per month can be tempting, you probably need more protection. A $100,000 policy can be purchased from online providers like Young America Insurance for only $39 per month. This will give you better coverage, while still keeping your insurance costs down. Enter your zip code now to compare side by side rates.

Shop for Cheap Liability Only Auto Insurance Online

Thanks to quick quote information online, anyone can find great rates on liability only car insurance in a fraction of the time it used to take. With services like Young America auto insurance, you can compare dozens of direct insurers quotes, all from your smartphone or laptop in just a few minutes.

Comparing rates online gives you total control over the insurance buying process. You can also customize the insurance coverage you need, while not paying for unnecessary coverage.  Once you choose a policy that fits your budget, you can even buy it all online. It’s never been easier to shop and buy auto insurance online.

Start your online quote now and get liability only car insurance from $30 a month and up. The quote only takes about five minutes and you can save hundreds buying direct. Lowering your premiums can be done in only a few short minutes. All you need to do is apply for your direct quote and fill out a simple application. Enter your zip code to get started.