Cheap Liability Auto Insurance

Q: What does liability-only auto insurance cover?

Pays for damage or injuries you cause to others. It does not cover damage to your own vehicle.

Q: Who should consider liability-only coverage?

Drivers with older cars, students, infrequent drivers, or anyone looking for the lowest legal coverage.

Q: How can I find the best price?

Compare quotes by ZIP code, bundle policies, keep a clean driving record, and ask about provider discounts.

Looking to save money on car insurance? Liability-only auto insurance meets state minimums and keeps your premiums as low as possible. It’s the easiest way to drive legally for less, especially if you own an older car or only need basic coverage.

How to Find Cheap Liability Insurance

Just enter your ZIP code below to compare real-time rates from top insurers. Get instant quotes, see the cheapest plans, and pick the option that’s right for you.

Compare Rates by ZIP Code

Get instant estimates from trusted carriers.

What Does Liability-Only Insurance Cover?

Bodily injury: Pays for injuries you cause to others in an at-fault accident.
Property damage: Covers damage you cause to someone else’s car or property.
Note: It does not cover damage to your own car.

Who Should Choose Liability-Only?

Owners of older, paid-off vehicles
Students or infrequent drivers
Anyone looking to meet legal minimums for less

Understanding State Minimums

Each state has its own liability limits. Our quote tool checks your ZIP code and only shows plans that meet your state’s requirements—no guesswork needed.

Best Providers for Cheap Liability Insurance

Geico: Flexible plans and competitive rates
Safeway: No-frills, low-cost coverage
The General: Fast approval, even for high-risk drivers

Want More than Basic Coverage?

Start with liability now—upgrade to full coverage with Progressive later, no need to switch companies.
Looking for discounts? Try Esurance DriveSense—safe driving can lower your liability rates even more.
See what you can save with Allstate or compare 25+ options in our insurance provider directory.

Cheap Liability Insurance FAQ

What does liability-only auto insurance cover?

It pays for injuries and damage you cause to others. It does not cover your own car.

Who is liability-only insurance best for?

Drivers with older cars, students, or anyone who wants the lowest possible rate and meets state minimums.

How can I find the cheapest price?

Shop by ZIP code, bundle with home/renters insurance, keep your record clean, and always ask about discounts.