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Cheap Liability Only Car Insurance Coverage: Average Cost Near Me

Tyron Jones

Car Insurance Expert
Updated: 11/2019

Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years. 

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Best Ways to Get Cheap Liability Car Insurance

  • Study the market – With competition intensifying among insurers every day, all insurers are offering extra benefits with a smaller premium to woo probable customers. Just do some scouting, compare rates, and the numbers and end up with the best deal.
  • Scour the internet – The internet gives you the liberty to compare car insurance rates and other factors on your computer screen. Keep a tab on various websites and select the best option.
  • Take advice – Talk to relatives, friends, and associates who already have cheap liability auto insurance and they’ll guide you to the most viable option.
  • Check out regional insurers – Often small regional insurers with high ratings for customer satisfaction offer lower rates than the major national insurers for liability car insurance. Check them out for better rates.
  • Choose the insurance package that is the cheapest – For very old, seldom used or low value cars, go for the cheapest offer available even if certain selections don’t come with the insurance policy.

What is Cheap Liability Insurance?

You take out cheap liability insurance to protect yourself financially against the claims made by third party drivers for any personal injury or damage to their vehicle that you may have caused accidentally.

The liability limit of this cheap liability car insurance, however, is up to the maximum that your policy covers. In the US, most states stipulate that you must take cheap liability only car insurance for certain minimum amounts.

Why Choose Liability Insurance Coverage?

When you take out cheap liability car insurance coverage, you are basically covering yourself for compensating anyone to whom you have caused property damage or bodily injury by way of your vehicle and where the fault is solely yours.

Cheap Liability Car Insurance Coverage
It may so happen that your brakes suddenly failed, and you knocked down a person on the road; or crashed into someone’s garden fence and ruined his perfectly manicured garden, while also uprooting a telephone pole on the way. In that case, your insurance company will cover the damage costs payable by you up to the limit mentioned in your policy. This is thus, a good way to keep your back covered should such an unforeseen mishap happen anytime in future.

While most people prefer comprehensive insurance coverage for their vehicles, cheap liability car insurance is taking protection for yourself should a mishap with a third party happen and where the latter makes a claim for compensation from you.

Every vehicle owner knows that his car is his most dependable mode of transportation and an inextricable part of his life. However, should the car be responsible for causing damage to others and increases its owner’s financial liabilities, cheap liability only car insurance is there to work its magic. In the US, moreover, driving around without appropriate insurance is illegal and could get you heavily penalized.

Cheap Liability Car Insurance Coverage

What Does Liability Insurance Cover?

The coverage offered by liability insurance is usually $25,000 for bodily injury caused to an individual; $50,000 for injuries inflicted upon two or more persons; and $25,000 for property damage.

In cases where two or more people have been injured, the compensation payable is two or three times the amount slotted for the limit for bodily injury per person.

As the amount spirals, your policy gives more coverage and the premium too, increases. Another advantage of taking out cheap liability insurance is that it also covers damages payable for destructing public property.

Coverage for Bodily Injury:

In most states, the question of bodily injury arises when you have caused an injury to another person and/or his vehicle and covers losses and damages suffered by the latter thereof.

These usually include medical expenses for first aid and/or extensive treatment both at home, clinics, medical centers and for hospitalization, if required, should the injury be major; pain, suffering, trauma as also lost wages.

To quote an example of how this clause works, let’s say you caused damage to the driver of another vehicle and three other passengers traveling with him.

Here, your cheap liability car insurance will cover costs for any bodily injury claim that the driver of the affected vehicle claims or to any of the three passengers who were with him, subject to the ceiling limit of your cheap liability insurance policy.

Thus if the bodily injury limit per person is $25,000 while the injury limit is $50,000 in your cheap liability only insurance policy, your insurer is legally bound to pay a maximum of $25,000 for any bodily injury caused to any of the four people traveling in the affected vehicle.

The final ceiling shall, however, be only up to $50,000 for all claims pertaining to bodily injuries to all four individuals that result from the aforesaid accident.

Coverage for Vehicle Damage:

It is often seen that a driver, due to sheer carelessness or mechanical failure, damages another vehicle plus their own and yet there are no injuries on either side.

Now, if he has a cheap liability only insurance policy on his car with liability limits of up to $25,000/$50,000/$25,000, then his insurer is bound to cough up funds up to a limit of $25,000 for the damage he has done to the other vehicle should the latter’s owner file a claim.

However, should the damage overstep the $25,000, ceiling, anything extra is payable personally by the driver who causes the damage.

Cheap Liability Car Insurance Coverage

How to Choose the Right Cheap Liability Only Car Insurance Policy?

Choosing the appropriate cheap liability only insurance is often a time consuming and tedious task because of the ready availability of options available to those seeking it. Competition among insurers is fierce and this will be amply evident to you if you scour the net.

However, when shopping for cheap liability auto insurance coverage, you need to consider the following carefully:

Your Insurer’s Limits:

This is of prime importance as you first need to see how much your insurer will shell out if there’s a claim. The limits that insurers mention are usually mentioned in the policy certificate as $50,000/$100,000. This implies that your insurance company will pay you a maximum of $50,000 per affected person and a total of $100,000 in case of an accident.

The Deductible Amount:

Yet another important number that needs to be considered carefully. This is basically the amount payable from your own pocket when staking a claim. Most insurers keep a $500 deductible amount.

This, however, may vary between $100 and $2,000 also. So keep this in mind when choosing your cheap liability coverage policy. The deductible is, however, a good opportunity to save.

If you opt to pay $1,000 instead of say, $100 in case there’s a claim, you stand to save substantially provided there’s $1,000 kept aside as an emergency fund for paying bills should the need arise.

Consider Your Location:

Over insuring or even under insuring never makes sense as it doesn’t serve your purpose in the long run. This is overpaying for insurance that you don’t actually need implies wasting money.

On the other hand, skimping and exposing yourself to the risk of having to shell out thousands of dollars from your own pocket in the event of an accident is not advisable either. That’s why while taking out a cheap liability auto insurance policy, take into account your actual place of location.

A mandatory requirement is having to opt for a minimum limit, which again depends on where you operate the vehicle and live.

For example, the state of Tennessee stipulates a minimum coverage of $25,000 per person and $50,000 for a bodily injury. An additional coverage of $15,000 is required to cover damages caused to property.

Set Realistic Limits:

Of course, this fundamental legal requirement in no way implies that you will limit yourself to this bare minimum only even though you save money.

This needs to be considered carefully as a major accident could cause you to lose all your assets including your home and life savings if the affected party’s property damage and/or medical bills hit you like a ton of bricks and your cheap liability insurance policy is unable to cover them when the fault is yours.

The general thumb rule is to keep a minimum cheap liability insurance only at $100,000 per individual along with $300,000 for an accident.

Look for Discounts:

As said earlier, the competition between insurers is fierce and each of them is trying to woo customers to their stable by way of attractive discounts.

These are offered to bright students, defense personnel on active duty, members of certain registered organizations or by clubbing your cheap liability auto insurance policy with a home or life insurance policy that you already have with it.

You also get discounts if your driving is limited, the vehicle is a low-risk one or even if you have an acceptable overall credit score.

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The Flip Side of Cheap Liability Auto Insurance

Unlike comprehensive car insurance, cheap liability car insurance coverage does not cover costs incurred for damages to your own vehicle or for bodily damage to yourself or any passenger traveling with you.

It also doesn’t cover other factors like damages caused by vagaries of the weather, vandalism or even theft. Also called Third Party Insurance in many countries, reasonable, and effective cheap liability coverage  is easily available if you look around for the best deals.

Again, it pays to remember always that taking the minimum coverage may not be sufficient to reimburse an affected part for damages, particularly if they are extensive. So, you’ll have to consider all above mentioned factors carefully before you select one.

First, a cheap liability only insurance policy differs vastly from no fault insurance as there’ s no protection for personal injury. The policy doesn’t cover the medical bills incurred for the offending driver and/or his passengers if there’s a collision.

The policy also does not cover the following:

  • Deductible for health insurance.
  • Loss of income payable to an injured/aggrieved third party.
  • Any additional expense that exceeds the coverage limits for health insurance
  • Funeral expenses.
  • Essential services like childcare being hampered due injuries sustained by the third party.
  • Damages caused by fire, riots, explosions, shattered glass, and/or
  • Your car being damaged due to a falling tree, any heavy object or rocks, snow, hail, flood, earthquakes, storms, or even animals.
  • Any reimbursement for a rented vehicle that you use while your damaged vehicle is being repaired.

The coverage for collision is also absent in a cheap liability auto insurance coverage policy. If your car crashes, you won’t be entitled to repairing costs or any compensation to replace the vehicle.

These include collisions with almost anything ranging from another vehicle to a lamppost or tree even. There is also no clause in such policies that are mandatorily required for financing or leasing your vehicle.

Unlike a full coverage car insurance policy, a Third Party Policy does not pay for any expenses that you have to pay from your own pocket for any repair costs above the strictly stipulated deductible amount, the vehicle’s cash value should it be irreparably damaged, costs for treating injuries to pets in your car as also compensation payable if you’re responsible for a hit-and-run case.

Moreover, this policy does not provide protection against uninsured motorists, even though they may be responsible for the accident. In such cases, you will have to shell out all expenses whereas having a comprehensive coverage policy would probably have covered that.

Also remember that a cheap liability only auto insurance scheme has no provisions for reimbursing you for expenses incurred should you have break down suddenly and where there are costs for towing the vehicle to a garage to get it repaired.

Although considered a trivial factor, it really comes in handy when you’re faced with such a situation. For fancy car owners, moreover, who install expensive and customized parts in their vehicles, such policies offer no coverage or reimbursement of they are stolen or damaged.

What To Look Out For

Should you decide to opt for cheap liability car insurance, make sure that you do the rounds of multiple insurers as their coverage may differ. That’s why carefully reading the fine print is absolutely essential and clarifying any doubt that you may have is mandatory.

Otherwise, paying for a policy and then realizing that it doesn’t serve your purpose when you need it most does not make sense at all.

Ask your insurance agent every possible question that pops up in your mind and be absolutely sure of what benefits you would be getting finally before you sign on the dotted line and hand him the premium check.

Market research shows that most people press the button for cheap liability insurance when they have low-value vehicles and drive very infrequently and where the chances of meeting with an accident are minimal.

This is a practical way of saving money since these types of policies usually cost less and are ideal mostly for retired people with limited sources of income.

Cheap Liability Car Insurance Coverage

FAQ

General Information Questions

Liability insurance, also called third-party liability insurance covers expenses of an injured party or damages to property. This is the minimum required insurance coverage for a large number of states in the USA. Drivers usually ask what it is,  and what it does. The following are some of the most common questions they ask.

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What is Liability Car Insurance Coverage?

In “at fault” states, the liability car insurance coverage covers damages to property and bodily injuries to other persons when the insured is at fault. In “no fault” states, it pays for the damages up to the limits of the insurance.

What is Liability Only Car Insurance?

Liability only car insurance covers only third-party liabilities, like bodily injuries and damage to property due to a car accident. It does not cover the insured’s injuries or damage to his vehicle.

What Does Auto Liability Insurance Cover?

Liability insurance covers bodily injuries to other persons in an accident caused by the driver. These include medical bills, lost income, and funeral in case of death. Property damage is another form of liability covered in this insurance. It pays for damages to a car or any other property.

How to Get Liability Insurance For a Car?

You can get quotes for auto insurance online for liability insurance. On the website form, submit your car make and model, the age of the primary driver, location and other necessary information. You can pay with a debit or credit card. You will get your insurance copy and ID through the mail, as well as an email of proof of insurance.

When to Switch to Liability Only Auto Insurance?

It is suggested that if the annual cost of the full coverage insurance is more than 10% of the replacement value you can receive from your insurance, then it is too expensive and you should consider dropping it. You switch to liability only auto insurance when full insurance coverage gets too expensive.

What Does Liability Mean in Car Insurance?

In “at fault” states, it means that if you were the one at fault or caused the accident, then you are liable for the damages to the other car or vehicles, including costs for medical treatment and lost income. “No fault” states usually require residents to carry Personal Injury Protection and Property Damage Protection just in case the driver is the cause of an accident and damages someone’s vehicle or property.

How Does Liability Car Insurance Work?

In case of an accident where the car owner is at fault, the liability insurance is used to pay for any property damage. This usually refers to any damage to another car. The liability insurance coverage also pays for any medical expense to the passenger or driver of the other car, as well as any pedestrians who were hurt by the accident. It also pays for the funeral expenses, if any. The liabilities are only up to the covered limits.

How to Get Liability Insurance Without a Car?

You can get liability insurance without a car. Called non-owner auto insurance, you only need the driver’s license number, and a debit or credit card, to get it online. Proof of insurance is sent immediately via email. The car insurance company will file the necessary state required forms.

What is Property Damage Liability Auto Insurance?

Property damage liability auto insurance is a third-party insurance coverage for damages to a car and other property due to an accident caused by the driver. This is usually a term used in “no fault” states, where there is also a state mandated minimum PDL coverage.

What is Supplemental Liability Insurance Car Rental?

Supplemental liability insurance for car rental is additional insurance coverage on top of the car rental insurance. If you are responsible for an accident which causes damage to property and people’s injuries, the supplemental liability insurance can pay for these damages.

What is the Difference Between Liability and Full Coverage Auto Insurance?

Liability insurance only covers damage from an accident caused by the driver. Full coverage has other insurance including Collision Coverage and Comprehensive Coverage. Collision coverage pays for repairs on your car regardless who’s at fault. Comprehensive Coverage pays for damage to the car no matter what the cause, including disasters and natural accidents like falling trees.

What is the Best Liability Coverage for Car Insurance?

The best car insurance companies include Progressive, State Farm, Allstate and Geico. The cheapest auto insurance is form Geico and State Farm. The rates usually fluctuate from year to year due to the insurance computations incorporating driver history, coverage payments, and accidents.

What is Limited Liability Car Insurance?

Limited liability car insurance is a coverage which pays for damages to life and property when the driver is at fault. The coverage is broken down to payment liability for bodily injuries to a person per instance, for total liability for multiple bodily injuries per accident and for property damage per accident.

What is Third Party Liability Insurance for Car Rentals?

Third party liability insurance, or simply, liability insurance, for car rentals is the coverage for damages when the driver is at fault. It covers bodily injuries to a person, total damage costs for bodily injuries to multiple persons, and property damage per accident.

What is the Difference Between Liability and Collision Car Insurance?

Liability insurance covers bodily injury and property damages when a driver is at fault. It does not cover the damages to the car or any personal injuries of the driver. Collision car insurance is coverage for damages the vehicle in an accident. It pays for the cost of repairing or replacing the car.

What is Bodily Injury Liability Car Insurance?

Bodily injury liability car insurance is the insurance coverage which pays for damages to persons who are hurt in an accident where the insured driver is responsible. The damages paid are for medical expenses, income lost or for funeral expenses, if any.

What Does Auto Liability Insurance Pay For?

Auto liability insurance pays for damages in an accident where the insured driver is at fault. The coverage includes damages for bodily injuries as well as property damages. The liability paid is up to the insurance limits.

What is Personal Liability Car Insurance?

Personal liability car insurance is used to cover expenses due to an accident where the insured is held legally responsible. The insurance covers payments for damages to property as well as bodily injuries or even death.

What is Liability and Comprehensive Car Insurance?

Liability car insurance covers payments to injuries and property damage from an accident where the driver is held personally responsible. It does not cover the driver or any damages to the vehicle. Comprehensive car insurance covers damage to the vehicle which is not caused by a collision, and may include theft.

Who Has the Best Liability Car Insurance?

Some of the best liability car insurance is usually offered by State Farm, Geico, Liberty Mutual and Allstate. The best car insurance depends on the location, driver history and the car make and model.

What is Commercial Auto Liability Insurance?

Commercial auto liability insurance is only for company owned cars, truck fleets, food truck, work vans and others. It covers situations which are not covered by personal auto insurance policies.

What Do I Need to Know About Liability Car Insurance?

You need to know that liability car insurance is not the extent of damages you have to pay. In most instances, the insurance coverage may not be enough to cover the medical costs of any person or persons injured during the accident. The insurance is also usually not enough to pay for repairs to the other party’s car or property.

Coverage Needs and Requirements

Liability insurance covers injuries and property damage. The state determines the minimum coverage for car insurance, and this differs between states. Car owners usually ask questions about prices of liability insurance.

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How Much is Liability Car Insurance?

Liability car insurance costs depend on the type of car, age of driver, driver history, insurer and location. The insurance cost ranges from $242 to $736 annually, and averaging $471 for the whole United States.

How Much is Liability Car Insurance Per Month?

Liability car insurance monthly costs can range from $20 to $62 per month. The cost may vary according to the coverage, insurer, make and model of car, driver age and history, and location.

How Much Liability Insurance Do I Need For My Car?

The states have different requirements for minimum liability insurance. Whatever the minimum state requirement, make sure that you have more coverage. It is suggested that you have at least $100,000 coverage for bodily injury per person, $300,000 coverage for bodily injuries per accident and $100,000 property damage.

What is Minimum Liability Car Insurance?

This is the minimum amount of liability insurance coverage that a driver has to have. Each state has their own required minimum, and driving without insurance is usually a misdemeanor. The minimum required liability car insurance is usually in the neighborhood of $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident and $25,000 for property damage.

How Much Auto Liability Insurance is Enough?

The minimum required liability car insurance is usually inadequate to cover damages from an accident. It is suggested that the coverage should be at least $100,000 for bodily injuries per person, $300,000 for bodily injuries per accident, and $100,000 for property damage.

What is Basic Liability Car Insurance?

Basic liability car insurance is the minimum amount of car insurance coverage that the states requires.  In some states, the basic liability car insurance can be as little as $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident and $25,000 for property damage.

Who Has the Cheapest Liability Car Insurance?

The cheapest liability car insurance usually comes from Geico. They can be up to 12% cheaper than Progressive. However, for drivers with one at-fault accident, State Farm is almost $600 cheaper than Geico.

What is the Recommended Liability Coverage For Auto Insurance?

The recommended liability coverage for car insurance is 100,000 for bodily injury liability limit per person, 300,000 for bodily injury liability limit per accident, and 100,000 for property damage liability. If the driver can afford it, he should consider higher limits for bodily injuries.

How Do You Determine Car Insurance Liability Limits?

The car insurance liability limits differ between states. You have to check with the state requirements before you get car insurance. Typically, the liability limits are below the recommended coverage, and the driver would have to pay out of pocket for a large part of the settlement.

How Much is Liability Insurance for a Car with State Farm?

Typically, State Farm offers the cheapest liability car insurance rates. The national average for minimum required coverage in any state is around $699. Expect to pay much less than this amount with State Farm.

How Much is Liability Car Insurance For a 20-Year-Old?

All things considered, the average liability car insurance for a 20-year-old is around $1,992 per year. The actual insurance coverage depends on the state, insurance coverage, plan, insurer, car make and model and the driver history. There’s also car insurance college student discounts if you qualify.

What is a Reasonable Auto Insurance Quote for Minimum Liability?

Minimum liability car insurance rates differ between states, car make and model, insurers and drivers. Each state has their own minimum car insurance requirements. A reasonable quote for minimum liability insurance is just below $700.

How to Shop for Car Liability Insurance?

You can compare rates online for car liability insurance. Car insurers have websites where the car owner can solicit quotes. They need to enter the necessary data like car make and model, age of primary driver, and their location. The quote would be sent to them and can also be paid online.

What are the Types of Liability Car Insurance?

The types of liability car insurance are Bodily Injury and Property Damage. Bodily injury liability is paid for any medical bills, loss of income, or funeral costs to other persons if the driver is responsible for the accident. Property damage is paid out for any damage to property, except the driver’s car.

How to Purchase Liability Insurance Online for Rental Car?

You can purchase supplemental liability insurance from your own insurance provider to cover for any liability when you have an accident. You might also want to get in touch with your credit card company if they have any insurance coverage for rental cars.

If You Have an Accident

The insured person and vehicle usually hopes that the insurance is never used. This is the main point about insurance, that when it is finally used, it might not have enough coverage. The following are some questions that drivers ask about using the insurance coverage.

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What Happens If You Have a Car Accident and It's Your Fault with Liability Insurance?

Your insurance will pay for any bodily injuries up to the individual limit and the combined limit. The insurance also covers property damage up to its limits. If the other party is not satisfied with the claims, they can sue you for additional damages, which you might have to pay from your own pocket.

If You Have Minimum Liability on Car Insurance, What Happens If Your Car Gets Hit While Parked?

If you have minimum liability and your car gets hit while parked, you are not liable for any damages. The other driver is held liable for the accident. In almost all instances, it is important that you have insurance on your car when it gets hit, otherwise, you might also be fined and your license suspended for not having insurance.

How to Argue Liability for Car Insurance Claims?

To argue liability for car insurance claims you need to submit official reports, as well as supporting documents. Immediately after the accident, you should have talked with the other drivers, and witnesses to get their contact information. You have to request for a copy of the police report for review. Then contact the other driver or drivers. Talk to any listed witness to the accident. Visit the scene of the accident. Inspect your car for damages and take pictures. Contact your medical providers for additional information about your injuries. Submit the above when you negotiate for higher damages.

Why Would an Insurance Company Take Inside and Outside Photo of a Car for Liability Insurance?

Insurance companies sometimes ask the insurance claimant for pictures of the inside and outside of a car to estimate the payment for damages. These are usually lower than the actual damages to the car. It is best to have an estimate from a garage to counter the insurance company’s offer.

If Someone Causes a Multi Car Accident with Only Liability Insurance How is the Money Divided?

Most states follow a comparative negligence rule when paying out insurance for multi-vehicle accidents. Traffic and insurance investigators will study the scene to come up with a report on who is responsible for the accident. It is the job of insurance adjusters to determine how the insurance is divided based on comparative negligence.

What to Do If Your Car is Damaged in Hit and Run with Liability Insurance?

If your car is damaged in a hit and run, it is not covered by liability insurance. Liability insurance only covers the other vehicle if the driver is held responsible for the accident. If you have collision insurance, the insurance company can pay for the damages up to the insurance limits.

What to Do After a Car Accident If You Have Liability Insurance?

If you are in a car accident, and you have liability insurance, here the things you can do immediately after the accident. Move to a safe area, top your vehicle and get out. Check the others involved in the accident. Call the police to investigate the scene. Gather information about the other party or parties involved or injured. Get the names of witnesses and bystanders. Document the scene by taking pictures. You will use the above information to file your insurance claim.

What Happens to Someone Who Lets Their Auto Liability Insurance Policy "Lapse"?

In states with mandatory insurance requirements, driving without insurance can lead to fines and suspension of license. If the driver were involved in an accident, the insurance will not cover the costs for medical bills, lost income and funeral, as well as repairs for any damaged property. The driver would be at risk of being sued for the actual costs incurred by the injured parties.