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 insurance for liability-only 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 per month, making it a top pick for affordability.
  
• Custom Coverage Options: Farmers offer high-quality auto liability-only insurance policies with personal customization.
  
• Reliable Claims Support: Farmers offers robust claims support service for auto liability-only insurance policy consumers.

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. Read our guide for more details, “What types of car insurance coverage does Farmers Insurance offer?“

#2 – Allstate: Best for Innovative Tool

Pros

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

Cons

• Higher Premiums: Allstate’s rates are slightly higher than those of competitors like Geico.
• Limited Online Tools: Policy management tools for liability-only car insurance coverage can feel outdated.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 per month for minimum coverage.
  
• Dividend Policies: Drivers can receive refunds with Amica’s dividend-based auto insurance liability-only policies.
  
• High Customer Satisfaction: Amica ranks highly for its claims handling and liability-only auto insurance coverage.

Cons

• Limited Discounts: Fewer options for car insurance liability-only discounts compared to competitors. See our guide for more information, “Does Amica Mutual Insurance offer non-owner car insurance coverage?“
• Higher Initial Costs: Initial premiums for car insurance liability-only 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 per month.
• Flexible Payment Options: Drivers can set up payment plans for car insurance liability-only policies.
• Innovative App Features: Liberty Mutual auto insurance review offers robust app tools for auto insurance liability-only customers.

Cons

• Higher Rates: Liberty Mutual’s liability-only car insurance rates are higher than its 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 for minimum coverage at $62 per month.
  Teen Driver Discounts: Unique discounts for families with young drivers seeking auto insurance liability-only coverage.
  Superior Customer Service: American Family is known for responsive support for car 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. For more details. see our guide, “What types of car insurance coverage does American Family Insurance offer?“

#6 – State Farm: Best for Trusted Provider

Pros

• Competitive Rates: State Farm offers liability-only car insurance starting at $64 per month for minimum coverage.
• Trusted Reputation: State Farm is a reliable option for liability-only coverage backed by years of experience.
• Discount Options: State Farm auto insurance review 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 per month for minimum coverage.
  
• Name Your Price Tool: Progressive allows drivers to find car insurance liability-only policies within their budget.
  
• Multi-Vehicle Discounts: Discounts are available for liability-only coverage on multiple vehicles.

Cons

• Claims Process: Liability-only claims can sometimes take longer to resolve. Learn more in our guide “Does Progressive offer liability coverage?“
• 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 per month for minimum coverage.
• Nationwide Availability: Geico auto insurance review serves liability-only drivers across the 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 per month for minimum coverage.
• Driver Discounts: Members benefit from exclusive discounts that reduce overall costs for liability-only policies.
• Roadside Assistance: AAA auto insurance review 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 auto insurance starts at $60 per month.
  
• Rate Lock Option: Drivers can lock in car liability-only rates to avoid price increases.
  
• Local Agent Support: Erie offers personalized help for car insurance liability-only clients.

Cons

• Regional Availability: Erie is only available in select states, limiting access. For more details, view our guide, “Bundling Home and Auto Insurance With Erie.“
• 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 repairing or replacing your 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

Liability car insurance is such coverage that should be well understood in terms of what it is and why it is important. Let’s break down the details and look at some aspects of this type of coverage. Get more details in our guide, “Full Coverage Auto Insurance.”

What is Liability Car Insurance

In simple terms, liability auto 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 usually comprises two forms of insurance: body injury insurance and property damage insurance.

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 attorney fees due to injuries sustained by others in an accident in which you were the negligent party. 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.

On the other hand,  property damage liability coverage pays for the repair or replacement expenses on another person’s vehicle or property damaged due to an accident you caused. If you accidentally crash into someone’s car or damage their property, your liability car insurance will cover repairing or replacing the damaged items.

Why is Liability Car Insurance Important

Liability car insurance is crucial because accidents are unpredictable, and the 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 pay for their medical expenses out of your pocket. Find out more in our guide, “Best PIP Car Insurance Coverage.”

In addition to medical expenses, you incur considerable costs in case of property damage. You can be presented with hefty bills for repairs or even replacement if you cause someone damage to their vehicle or property. Liability car insurance would protect you because, without it, you’ll need to cover the expense personally, which can be burdensome on your financial resources.

Thirdly, if you happen to be held responsible for some other person’s injury or other property damage and you are not adequately insured, you could be compelled to sell all of your assets or even be sued. Liability-only car insurance gives you peace of mind because it will always protect your bottom line in case of an accident.

Note that liability-only car insurance requirements differ by state. Each state has minimum coverage limits it has set, so it’s always important to learn a bit about what is required in your area.

Ultimately, liability car insurance is not only a requirement to law in most states but also a responsible financial decision. This kind of coverage allows you to drive with greater confidence because you are protected from the 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-only car insurance is an important decision that can significantly impact your financial well-being. Understanding the various factors that should be considered when making this choice is crucial. 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

Coverage limits are among the most important factors to consider when choosing liability-only auto insurance. Insurance policies limit the maximum amount they will pay for bodily injury and property damage claims. Choosing coverage limits that adequately protect your assets and potential future earnings is essential.

Depending on the coverage limits required, it might be wise to engage a liability-only insurance practitioner working with cars or about your financial position. Obtain an assessment of your present assets- your house, savings, and other investments to determine at what level you will need coverage. By making appropriate cover liability-only auto insurance selections, you ensure proper protection for a potential accident.

Deductibles

The deductible is another thing to consider when choosing car liability insurance. A deductible is the amount you must pay before your coverage is in effect. It is important to consider the right deductible that balances affordability versus costs. We have a guide here titled “What is a car insurance deductible and how does it work?”

High deductibles often lead to lower premiums. However, this would mean you will pay more from your pocket in case of a claim. Analyze your financial situation and evaluate how much you can pay from your pocket when a claim is made. A deductible within your capability will help you prepare for unexpected expenses.

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.

Compare liability-only car insurance quotes from different companies, which can help you find the most affordable premiums for your desired coverage limits and deductibles. However, one must remember reputation and reliability while considering the expense. Make sure you opt for a liability-only car insurance company with a clean record of motorists in terms of customer service and on-time claims processing.

Consider any discounts that might be available to you. Most companies give discounts for good safe driving, multiple policies, or completion of defensive driving courses. It can help reduce your premium while still keeping all coverage.

Liability-only car insurance is very significant and requires a bit of thinking about coverage limits, deductibles, and premiums. Evaluating these factors and making the right decision will ensure you have the best insurance to protect yourself or your assets in an accident.

Top Car Insurance Companies for Liability Coverage

When selecting the right car insurance company for auto insurance liability coverage, well-established options should be considered. These companies offer comprehensive coverage, additional benefits, and excellent customer service.

Farmers Review

Farmers are known for their consumer satisfaction; the great thing about farmers is their service and fast response to claims. With solid financial standing, customers are confident that claims will be processed without delays.

The company also established a wide network of partner repair shops and handled claims seamlessly and conveniently for its customers. Farmers also offer a wide range of liability coverage options and are competitively priced, ensuring that a safety net exists for policyholders at a reasonable cost.

Read More: Does Farmers Insurance offer liability coverage?

Allstate Review

Allstate is a liability-only car insurance coverage top contender. The insurer is mindful that every policyholder has his or her uniqueness in terms of requirements and preferences, thus it offers custom coverage. This will assist policyholders in tailoring liability coverage according to their specific needs.

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

Furthermore, Allstate offers various choices, allowing policyholders to choose a preferred deductible. With a proven history of customer satisfaction, Allstate charges quite competitive premiums and ensures policyholders derive good value for their money.

Amica Review

Amica is another insurance company that merits accolades for its worthwhile coverage and outstanding customer service. A renowned service provider in the industry, Amica has earned the trust of policyholders through its service. Policyholders can enjoy different discounts offered by Amica. These include safe driver discounts and discounts if one has multiple policies.

These discounts do not only keep the money rolling back to the pockets of the policyholders but also promote safe driving habits. More than that, Amica’s online resources and easy website help its policyholders manage their policies and file claims without much strain. Peace of mind is just a few clicks away with Amica.

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-only car insurance quotes is important in finding the best car insurance coverage for your needs and budget. This allows you to make an informed decision and ensure sufficient protection if something goes wrong. Here are three ways to do so.

Online Comparison Tools

Online comparison tools are one of the easiest means to compare liability-only car insurance quotes. Many websites offer this tool for free, so you can fill out a profile once and receive quotes from competing insurance providers. These tools save you time and effort because you can view 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. Find more in our guide titled “Compare Online Car Insurance Quotes to Save Money.”

When you use online comparison tools, your websites must be reputable and secure. Websiteswith privacy policies in place for personal information protection, as well as those sites with SSL encryption to secure data, must be used. You can confidently compare liability car insurance quotes and make an informed decision with trusted comparison tools.

Direct Quotes from Insurance Companies

If you would like to take a more personal approach, you can directly contact an insurance company and request quotes from them. Many insurance companies have interactive websites that enable the quoting process online or even on the phone with an agent. Such methods will enable you to ask any questions directly from the source.

When getting a quote for liability-only auto insurance, make sure to be ready with all the information regarding your history behind the wheel, the car, and the specific coverage requirements. Liability-only auto insurance quotes received should, in this case, be relevant in every respect.

Additionally, take the time to ask about any discounts or special offers 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 make it much easier to compare liability-only car insurance quotes. A broker is a representative who can consult for various insurance companies and, based on your needs, give you advice. They know the insurance market inside out and can guide you through the maze of different options.

Communication also is key when working with an insurance broker. Clearly express your coverage requirements and provide the broker with all the related information regarding your driving history, vehicle, and any specific needs or concerns you may have. It will then be easy for them to gather quotes on your behalf and present you with the best options available.

Also, ask them to explain their commission structure and whether they have any conflicting interests. Transparencies are the gold keys to ensuring that you get unbiased advice that brings you the best liability car insurance coverage.

In conclusion, the best car insurance for liability coverage must be understood by one’s type of coverage, and some key factors like coverage limits and deductibles must also be considered. From this, one must compare the liability only car insurance quotes from reputable insurance companies.

By taking time and research to make an informed decision, one will be ensured he has enough protection when an accident occurs, thus giving assurance while behind the wheel.

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

Learn how liability-only car insurance can provide outstanding savings and protection to many drivers. These case studies detail how top providers such as Farmers, Geico, and Amica deliver tailored solutions that meet individual needs but offer savings as well.

• Case Study #1—Farmers—Customized Solutions for New Drivers: College student Amanda required affordable coverage due to her limited budget. Liability-only car insurance by Farmers, starting at $60/month, gave her the overage she needed at a price that could not be beaten. This was done with tailored options to meet Amanda’s requirements, fitting in with her pocket.
  
• Case Study #2—Geico—Low-Cost Insurance for Budget-Conscious Families: The Thompson family, multitasking about various expenditures, needed an economic car insurance coverage. Liability-only car insurance at Geico was a perfect fit for them; they could get it as low as $55 per month. Thus, by policy bundling and multi-vehicle discounts, they managed to save more while enjoying comprehensive insurance.
  
• Case Study #3—Amica—Superior Support for First-Time Policyholders: Jake, a new policyholder, needed both price and good service. Amica’s liability-only car insurance was  $58 per month, which was well over his expectations. Good rates aside, Amica’s helpful claims group and easy-to-understand policy made Jake’s first experience with insurance very smooth.

These are real-life examples of how choosing the best liability-only car insurance can transform your existence. Students, families, and first-time policyholders all find that top companies – like Farmers, Geico, and Amica – offer the right coverage at competitive rates. Explore our guide titled “Best Car Insurance Companies for Comprehensive Coverage.”

Protect your company and employees with adequate coverage — enter your ZIP code to instantly compare liability-only car insurance quote with our free comparison tool.