Best Liability-Only Car Insurance in 2024 (Find the Top 10 Companies Here)

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A	Affordable Coverage	Farmers
	#2	25%	A+	Innovative Tool	Allstate
	#3	30%	A+	Low Rates	Amica
	#4	25%	A	Customizable Policies	Liberty Mutual
	#5	25%	A	Flexible Plans	American Family
	#6	17%	B	Trusted Provider	State Farm
	#7	10%	A+	Reliable Service	Progressive
	#8	25%	A++	Competitive Premiums	Geico
	#9	30%	A+	Member Discounts	AAA
	#10	25%	A+	Comprehensive Options	Erie

These companies combine affordability, reliability, and tailored options to meet diverse needs. Get the coverage you need with trusted providers.

Find affordable options for commercial insurance by entering your ZIP code into our free comparison tool.

#1 – Farmers: Top Overall Pick

Pros

• Strong Rates: Farmers’ liability-only car insurance starts at $60, making it a top pick for affordability.
• Custom Coverage Options: Farmers excels in offering tailored liability-only policies.
• Reliable Claims Support: Farmers provides strong claims support for liability-only policyholders.

Cons

• Fewer Discounts: Liability-only policies from Farmers lack as many discount options as competitors.
• Online Access: Digital policy tools can feel less user-friendly.

#2 – Allstate: Best for Innovative Tool

Pros

• Solid Rates: Allstate provides competitive liability-only car insurance starting at $65 for minimum coverage.
• Coverage Flexibility: Customizable liability-only plans to meet diverse driver needs.
• Accident Forgiveness: Allstate includes accident forgiveness for liability-only customers in qualifying states.

Cons

• Higher Premiums: Allstate’s rates are slightly higher compared to competitors like Geico.
• Limited Online Tools: Policy management tools for liability-only coverage can feel outdated.

#3 – Amica: Best for Low Rates

Pros

• Best Rates: Amica offers some of the best liability-only car insurance, starting at $58 for minimum coverage.
• Dividend Policies: Drivers can receive refunds with Amica’s dividend-based liability-only policies.
• High Customer Satisfaction: Amica ranks highly for its claims handling and liability-only coverage.

Cons

• Limited Discounts: Fewer options for liability-only discounts compared to competitors.
• Higher Initial Costs: Initial premiums for liability-only insurance may feel steep before dividends.

#4 – Liberty Mutual: Best for Customizable Policies

Pros

• Broad Coverage: Liberty Mutual includes extensive liability-only car insurance starting at $68.
• Flexible Payment Options: Drivers can set up payment plans for liability-only policies.
• Innovative App Features: Liberty Mutual offers robust app tools for liability-only customers.

Cons

• Higher Rates: Liberty Mutual’s liability-only car insurance rates are higher than competitors.
• Limited Discounts: Fewer discount opportunities for liability-only policyholders.

#5 – American Family: Best for Flexible Plans

Pros

• Affordable Rates: American Family stands out with liability-only car insurance at $62 for minimum coverage.
• Teen Driver Discounts: Unique discounts for families with young drivers seeking liability-only coverage.
• Superior Customer Service: Known for responsive support for liability-only insurance claims.

Cons

• Limited Nationwide Availability: American Family coverage isn’t available in all states.
• Fewer Online Features: Digital tools for liability-only policies lack advanced capabilities.

#6 – State Farm: Best for Trusted Provider

Pros

• Competitive Rates: State Farm offers liability-only car insurance starting at $64 for minimum coverage.
• Trusted Reputation: State Farm is a reliable option for liability-only coverage backed by years of experience.
• Discount Options: Includes multi-policy and safe driver discounts for liability-only insurance.

Cons

• Higher Premiums: State Farm liability-only rates are higher than those of Geico or Amica.
• Limited Discounts: Multi-policy discounts aren’t as competitive for liability-only customers.

#7 – Progressive: Best for Reliable Service

Pros

• Affordable Rates: Progressive’s liability-only car insurance starts at $61 for minimum coverage.
• Name Your Price Tool: Progressive allows drivers to find liability-only policies within their budget.
• Multi-Vehicle Discounts: Discounts available for liability-only coverage on multiple vehicles.

Cons

• Claims Process: Liability-only claims can sometimes take longer to resolve.
• Customer Satisfaction: Progressive scores slightly lower in customer support for liability-only policies.

#8 – Geico: Best for Competitive Premiums

Pros

• Lowest Rates: Geico offers the best liability-only car insurance starting at $55 for minimum coverage.
• Nationwide Availability: Geico serves liability-only drivers across the entire U.S.
• Efficient Online Platform: Geico excels with digital tools for liability-only insurance management.

Cons

• Limited Local Support: Geico’s liability-only customers may struggle to find local agents.
• Sparse Policy Customization: Liability-only plans offer fewer customizable options.

#9 – AAA: Best for Member Discounts

Pros

• Competitive Rates: AAA offers one of the best liability-only car insurance options starting at $63 for minimum coverage.
• Driver Discounts: Members benefit from exclusive discounts that reduce overall costs for liability-only policies.
• Roadside Assistance: AAA includes complimentary roadside assistance for liability-only car insurance holders.

Cons

• Membership Requirement: AAA requires a membership, adding extra costs for liability-only insurance seekers.
• Limited Availability: Not all AAA discounts are available in every state.

#10 – Erie: Best for Comprehensive Options

Pros

• Affordable Plans: Erie’s liability-only car insurance starts at just $60 for minimum coverage.
• Rate Lock Option: Drivers can lock in liability-only rates to avoid price increases.
• Local Agent Support: Erie offers personalized assistance for liability-only customers.

Cons

• Regional Availability: Erie is only available in select states, limiting access.
• Limited Online Tools: Digital features for liability-only insurance management could improve.

Understanding Liability Car Insurance

Liability car insurance is a type of coverage that pays for damages caused by you to another person’s property or injuries sustained by other individuals in an accident for which you are responsible. Unlike comprehensive or collision insurance, liability coverage does not cover the cost of repairing or replacing your own vehicle. Instead, it focuses on protecting you from financial repercussions arising from harming others.

Insurance Company	Minimum Coverage	Full Coverage
	$63	$148
	$65	$150
	$62	$145
	$58	$135
	$60	$138
	$60	$140
	$55	$130
	$68	$155
	$61	$142
	$64	$140

When it comes to liability car insurance, it’s important to have a clear understanding of what it entails and why it is crucial. Let’s delve deeper into the details and explore the different aspects of this type of coverage.

What is Liability Car Insurance

In simple terms, liability car insurance protects you from the financial burden that may arise if you cause damage to someone else’s vehicle or property or cause injuries to others in a car accident. It typically includes two types of coverage: bodily injury liability and property damage liability.

Insurance Company	Available Discounts
	Multi-policy, New Vehicle, Good Driver, Anti-theft
	Multi-policy, Safe Driving Bonus, Anti-theft, Early Signing
	Multi-policy, Good Student, Loyalty, Safe Driver
	Multi-policy, AutoPay, Loyalty, Good Driver
	Multi-policy, Safe Driver, Paid-in-Full, Anti-theft
	Multi-policy, Good Student, Safe Driver, Defensive Driving
	Multi-policy, Defensive Driving, Good Driver, Military
	Multi-policy, Vehicle Safety, Claims-Free, Online Purchase
	Multi-policy, Snapshot Program, AutoPay, Good Driver
	Multi-policy, Good Student, Safe Driver, Defensive Driving

Bodily injury liability coverage pays for medical expenses, rehabilitation costs, and legal fees associated with injuries sustained by others in an accident for which you are at fault. This means that if you cause an accident and someone is injured, your liability car insurance will help cover their medical bills, therapy expenses, and any legal costs that may arise.

Property damage liability coverage, on the other hand, covers repair or replacement costs for another person’s vehicle or property damaged in an accident caused by you. If you accidentally crash into someone’s car or damage their property, your liability car insurance will step in to cover the costs of repairing or replacing the damaged items.

Why is Liability Car Insurance Important

Liability car insurance is crucial because accidents are unpredictable, and the resulting financial consequences can be significant. Without adequate liability coverage, you could be personally responsible for thousands of dollars in medical bills, property repairs, and legal fees.

Imagine being involved in a car accident where someone is seriously injured and requires extensive medical treatment. Without liability car insurance, you would have to bear the burden of paying for their medical expenses out of your own pocket. This could potentially lead to financial ruin and put you in a difficult situation.

In addition to medical expenses, property damage can also result in substantial costs. If you are found liable for damaging someone’s vehicle or property, you could be faced with hefty repair or replacement bills. Without liability car insurance, you would have to cover these expenses on your own, which can be a significant financial strain.

Furthermore, if you are found liable for someone else’s injuries or property damage and do not have sufficient coverage, you may be forced to liquidate your personal assets or even face legal action. Liability car insurance provides peace of mind by safeguarding your financial well-being in case of an accident.

It’s important to note that liability car insurance requirements vary by state. Each state sets its own minimum coverage limits, so it’s crucial to familiarize yourself with the specific requirements in your area to ensure you have adequate protection.

Ultimately, liability car insurance is not just a legal requirement in most states, but it is also a responsible financial decision. By having this coverage, you can drive with confidence, knowing that you are protected from the potentially devastating financial consequences of causing harm to others in an accident.

Factors to Consider When Choosing Liability Car Insurance

When selecting liability car insurance, several factors deserve careful consideration:

Choosing the right liability car insurance is an important decision that can have a significant impact on your financial well-being. It’s crucial to understand the various factors that should be taken into account when making this choice. By considering coverage limits, deductibles, and premiums, you can ensure that you have the right insurance policy to protect yourself and your assets.

Coverage Limits

One of the most important factors to consider when choosing liability car insurance is the coverage limits. Insurance policies have limits on the maximum amount they will pay for bodily injury and property damage claims. It is essential to choose coverage limits that adequately protect your assets and potential future earnings.

Determining the appropriate coverage limits may require consulting with an insurance professional or considering your financial circumstances. You should assess the value of your assets, such as your home, savings, and investments, to determine the level of coverage you need. By selecting the right coverage limits, you can ensure that you are adequately protected in the event of an accident.

Deductibles

Another factor to consider when choosing liability car insurance is the deductible. A deductible is the amount you are responsible for paying before your insurance coverage kicks in. It is important to choose a deductible that strikes the right balance between affordability and potential costs.

A higher deductible usually results in lower premium costs, but it means you will have more out-of-pocket expenses in the event of a claim. Assess your financial situation and consider how much you can comfortably afford to pay out of pocket. By choosing a deductible that aligns with your financial capabilities, you can ensure that you are prepared for any unexpected expenses that may arise.

Premiums

Premiums are the ongoing payments you make to maintain your insurance coverage. When choosing liability car insurance, it is crucial to consider the premiums associated with different policies.

Comparing quotes from different insurance companies can help you find the most affordable premiums for the coverage limits and deductibles you desire. However, it’s essential to consider the reputation and reliability of the insurance company alongside the cost. Ensure that you choose an insurance provider with a strong track record of customer service and timely claims processing.

Additionally, consider any potential discounts that may be available to you. Many insurance companies offer discounts for factors such as safe driving records, multiple policies, or completion of defensive driving courses. By exploring these options, you may be able to lower your premiums without sacrificing coverage.

Choosing liability car insurance requires careful consideration of coverage limits, deductibles, and premiums. By taking the time to evaluate these factors and make an informed decision, you can ensure that you have the right insurance policy to protect yourself and your assets in the event of an accident.

Top Car Insurance Companies for Liability Coverage

When it comes to selecting the right car insurance company for liability coverage, there are several well-established options to consider. These companies not only offer comprehensive coverage but also provide additional benefits and excellent customer service.

Farmers Review

One such company is Farmers. Renowned for its commitment to customer satisfaction, Farmers excels in providing excellent customer service and quick claims processing. With a solid financial footing, policyholders can rest assured that their claims will be handled efficiently.

Additionally, Farmers has established a wide network of partner repair shops, making the claims process seamless and convenient for its customers. Moreover, the liability coverage options offered by Farmers are comprehensive and competitively priced, ensuring that policyholders receive the protection they need at a reasonable cost.

Allstate Review

Another top contender in the realm of liability car insurance coverage is Allstate. What sets Allstate apart is its emphasis on customization. They understand that each policyholder has unique needs and preferences, which is why they offer customizable coverage options. This allows policyholders to tailor their liability coverage according to their specific requirements.

Have you heard of Drivewise? It’s located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don’t. https://t.co/HNMxg3hVAZ

— Allstate (@Allstate) May 13, 2024

Additionally, Allstate provides a range of deductible options, giving policyholders the flexibility to choose the deductible that suits them best. With a solid track record of customer satisfaction, Allstate not only offers competitive premiums but also ensures that policyholders receive good value for their money.

Amica Review

Amica is another insurance provider that deserves recognition for its reliable coverage and exceptional customer support. With a stellar reputation in the industry, Amica has gained the trust of policyholders through its commitment to providing top-notch service. Policyholders can benefit from various discounts offered by Amica, including safe driver discounts and multi-policy discounts.

These discounts not only help policyholders save money but also incentivize safe driving habits. Furthermore, Amica’s online resources and user-friendly website make it easy for policyholders to manage their policies and file claims seamlessly. With Amica, peace of mind is just a few clicks away.

When choosing a car insurance company for liability coverage, it is crucial to consider factors such as financial stability, customer service reputation, and availability of additional benefits. By selecting one of these top insurance companies, you can ensure that you receive the protection you need while enjoying the peace of mind that comes with reliable and comprehensive coverage.

How to Compare Liability Car Insurance Quotes

Comparing liability car insurance quotes is an important step in finding the best coverage for your needs and budget. It allows you to make an informed decision and ensures that you have adequate protection in the event of an accident. Here are three ways to compare quotes:

Online Comparison Tools

One of the most convenient ways to compare liability car insurance quotes is by using online comparison tools. Many websites offer these tools for free, allowing you to enter your information once and receive quotes from multiple insurance providers. These tools save time and effort, as you can easily compare premiums, coverage limits, and deductibles side by side.

Additionally, they often provide additional information about each insurance company, such as customer reviews and ratings, giving you a comprehensive overview of your options.

When using online comparison tools, it’s important to ensure that the websites you use are reputable and secure. Look for websites that have a privacy policy in place to protect your personal information and check for SSL encryption to safeguard your data. By using trusted comparison tools, you can confidently compare liability car insurance quotes and make an informed decision.

Direct Quotes from Insurance Companies

If you prefer a more personal approach, you can contact insurance companies directly and request quotes. Many insurers have interactive websites that allow you to request quotes online or speak with an agent over the phone. This approach gives you the opportunity to ask questions and obtain personalized information directly from the source.

When requesting direct quotes, it’s important to provide accurate and detailed information about your driving history, vehicle, and coverage needs. This will ensure that the quotes you receive are tailored to your specific circumstances.

Additionally, take the time to ask about any discounts or special offers that may be available to you. Insurance companies often offer discounts for safe driving records, multiple policies, or certain affiliations, so it’s worth exploring all the options to find the best deal.

Using an Insurance Broker

Engaging the services of an insurance broker can simplify the process of comparing liability car insurance quotes. Brokers work with multiple insurance companies and can provide expert advice based on your specific needs. They have in-depth knowledge of the insurance market and can help you navigate through the various options available.

When working with an insurance broker, it’s important to communicate your coverage requirements clearly. Provide them with all the relevant information about your driving history, vehicle, and any specific needs or concerns you may have. This will enable them to gather quotes on your behalf and present you with the most suitable options.

Additionally, ask the broker about their fee structure and any potential conflicts of interest. Transparency is key to ensuring that you receive unbiased advice and find the best liability car insurance coverage.

In conclusion, selecting the best car insurance for liability coverage involves understanding the different types of coverage, considering key factors like coverage limits and deductibles, and comparing quotes from reputable insurance companies. By taking the time to research and make an informed decision, you can ensure that you have adequate protection in the event of an accident, giving you peace of mind while on the road.

Case Studies: Real-World Savings with the Best Liability-Only Car Insurance

Discover how liability-only car insurance can deliver exceptional savings and protection for a range of drivers. These case studies showcase how top providers like Farmers, Geico, and Amica deliver tailored solutions to meet individual needs while keeping costs low.

• Case Study #1 – Farmers – Customized Solutions for New Drivers: Young driver Amanda needed affordable coverage as a college student on a tight budget. Farmers’ liability-only car insurance, starting at $60 per month, provided her with essential protection at an unbeatable rate. With tailored options, Amanda secured a plan that met her unique needs without compromising her finances.
• Case Study #2 – Geico – Low-Cost Insurance for Budget-Conscious Families: The Thompson family, juggling multiple expenses, sought economical auto coverage. Geico’s liability-only car insurance, with rates as low as $55 monthly, became their perfect choice. By bundling policies and leveraging multi-vehicle discounts, they achieved significant savings while ensuring comprehensive protection.
• Case Study #3 – Amica – Superior Support for First-Time Policyholders: New policyholder Jake valued customer service as much as affordability. Amica’s liability-only car insurance, starting at $58 per month, exceeded his expectations. Alongside excellent rates, Amica’s responsive claims team and transparent policy details reassured Jake, making his first insurance experience seamless.

These real-life examples highlight the transformative benefits of choosing the best liability-only car insurance. Whether you’re a student, a family, or a first-time policyholder, top providers like Farmers, Geico, and Amica deliver tailored coverage at competitive rates.

Protect your company and employees with adequate coverage — enter your ZIP code to instantly compare commercial insurance quotes with our free comparison tool.