Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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Key takeaways...

  • Personal liability car insurance is the minimum level of car insurance protection that a driver may obtain to be legal on the roads
  • Pick up the phone or walk into a local insurance agent’s office and ask the questions that you may have regarding your car insurance policy purchase
  • Use an online comparison application to review car insurance companies and the products they offer
  • Make sure to stay informed with regards to your policy and what you are paying for
  • Liability insurance policies are written for three types of coverage: bodily injury per person, bodily injury total and total property damage

Personal liability car insurance is the minimum level of car insurance protection that a driver may obtain to be legal on the roads.

Liability insurance does not cover getting your car fixed if are in an accident, nor does it cover any damage or loss due to theft, vandalism or any other issue. The exact amount of liability car insurance depends on your state.

However, personal liability insurance does cover other drivers and property should you be found to be at fault in an accident. All drivers are required to carry at least a personal liability insurance policy. We have more information on how liability car insurance works.

If you are stopped for a traffic violation, and you are found to be without insurance, you will be issued a ticket. If you do not prove that you have insurance by the time of your court date, you could lose your license.

A few simple tips will help you find the best personal liability car insurance. First of all, if you owe on a loan, or if you lease your car, a personal liability policy is not for you.

You need to have comprehensive and collision policies to make sure the company that holds the note or owns the vehicle is fully reimbursed should you be involved in an accident.

However, if you own your auto outright, and particularly if your car is 10 or more years old, personal liability car insurance may be right for you.

Liability insurance rates are far less than the full coverage policy you will need to carry if you owe on a loan or lease your vehicle. Use our FREE quote tool to find rates today!

Table of Contents

Tip #1: Know The Coverage You Need

Most states in the US, 47 states to be exact, require a minimum coverage of a personal liability policy for drivers to be legal on the roads.

In addition, 15 states require that the driver carry personal injury coverage, as well.

Find out the insurance coverage that you need based on where you live. Most insurance companies will gladly provide this information to you in hopes that you will purchase your policy with them.

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Tip #2: Ask Questions

While you are shopping for personal liability coverage, you may have questions. Pick up the phone or walk into a local insurance agent’s office and ask the questions that you may have regarding your car insurance policy purchase.

Though you may be able to find a lot of information on the Internet, each person’s situation is different.

A live person will be able to clarify answers to your questions so you may confidently purchase the policy you need.

If you have a special situation, such as a car in storage, the best way to determine if you need insurance and if you do, what type of insurance will provide you with the coverage you need for the best rate, is to speak with an agent.

Special situations should be handled by a knowledgeable professional. Don’t be afraid to make the call or walk into the office of an agent.

Tip #3: Shop Around

Insurance companies vary in terms of the rates they charge for their policies. Comparison shop for the best rates for personal liability car insurance.

Liability only car insurance rates will vary between companies. Find the best rate for your situation.

Use an online comparison application to review car insurance companies and the products they offer. Many comparison sites will enable you to review similar policies side-by-side to decide which policy is right for you.

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Tip # 4: Regularly Review Your Policy

Even if you have been with the same insurance company for many years, it is a good idea to regularly review your policy.

Mistakes occasionally happen and you may be paying extra for coverage you do not need or want. Make sure to stay informed with regards to your policy and what you are paying for.

In addition, when you review your policy, it’s always a good idea to check with other insurance carriers for similar policy rates. You just never know.

Though it is good to be loyal to a company for years, if you are able to save significant money on premiums by moving your policy to another carrier, you should at least consider the option.

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Tip #5: Know How to Compare Liability Policies

Liability insurance policies are written for three types of coverage: Bodily injury per person, Bodily injury total, and Total property damage.

These three types of coverage are represented by a series of numbers divided by a slash, such as 100/300/50.

This series of numbers indicates that the liability policy would cover $100,000 for bodily injury per person, $300,000 total for bodily injury and $50,000 for total property damage.

Knowing what the numbers mean makes it possible for you to compare personal liability car insurance policies.

Though insurance policies may specify the amounts they cover, it is not unusual for state law to require much less than the insurance policy indicates.

Check the laws of your state to find out the required minimum coverage for your area. Enter your ZIP code in our free quote tool below and start comparing rates now!