Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Liability insurance coverage safeguards the welfare of a vehicle owner when road accidents happen
  • Liability car insurance is required by law in many states
  • Those who want to purchase cheap liability car insurance coverage can find an insurance company online and in their local area

People should understand what liability car insurance is. It is important to know what an insurance policy covers prior to signing up for a deal.

Road accidents are among the major causes of death in the country today. That is why being insured while driving a vehicle is crucial.

Liability insurance coverage safeguards the welfare of a vehicle owner when road accidents happen. This is because the coverage will pay for damages to the other party’s property.

Any bodily injuries caused while the owner is driving the vehicle are also covered. The amount of liability insurance required depends on the laws of the state.

Take note that liability insurance does not pay for damages to the owner’s car. It also does not pay for the owner’s bodily injuries.

Liability insurance levels also vary. Coverage levels are often expressed by three numbers separated by slashes. For instance, liability insurance with 10/30/20 coverage means that the policy will pay up to $10,000 if a single person is injured.

The total amount that can be paid for injuries during an accident is $30,000. The policy will also pay up to $20,000 for property damage.

A liability car insurance policy with a limit of $30,000 will not pay more than that amount in the event of an accident.

Any additional expenses for damage caused in an accident will be shouldered by the driver. Individuals should always take note of their available limit when they purchase car insurance.

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Different Types of Coverage

Liability car insurance is required by law in many states. However, owners often take out additional insurance on top of the minimum required amount.

This is because liability insurance covers the damage that the owner incurs during an accident.

In other words, policyholders are not covered if their vehicle is damaged or they become injured in an accident. Vehicle owners can also take advantage of the following types of car insurance coverage:

  • Collision motorist coverage will cover damage to the owner’s vehicle due to collision
  • Comprehensive coverage covers the cost to replace a stolen vehicle
  • Additional medical coverage will cover medical expenses that liability car insurance is not able to pay

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Selecting Liability Car Insurance Coverage

There are a lot of insurance agencies that will help vehicle owners. They can aid in selecting the best liability car insurance coverage for drivers.

However, vehicle owners must also consider their financial situation before signing up for a policy.

Monthly payments should be made on time or the insurance will become invalid. The following are some considerations in getting liability car insurance for vehicles:

  • State Mandatory Minimums – Liability insurance policies should be considered carefully. This is because every state has set rules regarding the minimum amount of liability insurance required.
  • Additional Insurance Coverage – Liability car insurance alone does not completely protect the vehicle owner. It is important to consider getting additional insurance coverage in order to be secure while driving on the road. Individuals who only carry liability car insurance may be considered underinsured.
  • Consider Assets Owned Road accidents result in injuries and death every day. Liability car insurance coverage only pays for a limited amount of the expenses incurred in an accident. Vehicle owners should make sure that they are able to pay for expenses that exceed these minimum amounts. They should be ready to shoulder the remaining expenses in case the actual cost of damage is higher than their policy’s limits.

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Reasons to Buy Liability Car Insurance

Vehicle owners should always consider buying a liability car insurance policy. Drivers who do not have the proper insurance can be ticketed if they are pulled over by the police.

They can also face serious problems if they cause an accident that injures another person.

Most people do not have the money on hand to pay for damages caused by an accident.

Owners who opt for liability car insurance will have help paying for expenses that come from vehicle accidents. This way, they will not face the burden alone.

Purchasing Coverage

Those who want to purchase cheap liability car insurance coverage can find an insurance company online and in their local area.

Vehicle owners can select the best company that will cater to their needs. The insurance company provides similar types of coverage.

However, car owners should choose the most economical offer. This will ensure that they get the coverage they need and are still able to make low monthly payments.

Customers can compare car insurance quotes to get the best deals. Consumers should start by calling insurance agents to ask about prices.

The Internet can also be a good reference when comparing insurance coverage prices. There are numerous websites that offer insurance policy price comparisons. Consumers can often get the best prices on policies when they compare online.

Most of the websites online provide real-time information that is helpful for those who want to purchase car insurance. Customers who already have other types of insurance coverage can also contact their insurance companies.

They can ask if liability car coverage is available and receive quotes. Vehicle owners will find this a lot easier because they already know who they are dealing with.

However, first-time buyers may refer to websites for easy access and price comparison. They can also purchase policies through these sites. Get your FREE quote today with our comparison tool below!


  1. https://www.thebalance.com/personal-liability-insurance-coverage-3957084
  2. https://www.investopedia.com/terms/a/automobile-liability-insurance.asp
  3. https://wallethub.com/edu/property-damage-liability/8775/
  4. https://www.dictionary.com/browse/liability
  5. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473