Auto liability insurance only

Pays others. Not your car.

Auto liability insurance only pays for the injuries and damage you cause to other people. It does not pay to repair or replace your own car.

Free. Simple. Quick. Only the insurance agents you pick get your request.

Liability insurance pays only for losses you cause to others.Virginia’s Bureau of Insurance, in its auto insurance guide.

What it pays, and what stays with you

You cause a crash. Liability pays for what stands in the light. The rest stays with you.Tap a label.

It pays for

  • Other people’s injuries when you cause a crash.
  • Other people’s cars and property that you damage.
  • Only up to your limits. Above them, the rest is yours to pay.

It does not pay for

  • Your own car after a crash. Collision coverage pays for that.
  • Your car if it is stolen, burned, flooded or vandalized. Comprehensive coverage pays for that.
  • Your own injuries, or those of the people in your household.

From: the Texas Department of Insurance, the California Department of Insurance and the National Association of Insurance Commissioners (NAIC).

Your state. Your loan. Your car.

Three things decide whether liability only is yours to choose.

Is money owed on the car?

Pick your state, and say whether money is owed on the car.

What your state requires

Pick your state to see the amounts it requires.

The liability Alabama requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Alaska requires

50/100/25

$50,000 for one person’s injury or death, $100,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Division of Motor Vehicles, State of Alaska, Virginia Bureau of Insurance. Checked against these pages on Nov 14, 2026.

The liability Arizona requires

25/50/15

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property.

Sources: Arizona State Legislature, Colorado Division of Insurance, Idaho Department of Insurance. Checked against these pages on Nov 14, 2026.

The liability Arkansas requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability California requires

30/60/15

$30,000 for one person’s injury or death, $60,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property.

Source: California Department of Insurance. Checked against this page on Nov 14, 2026.

The liability Colorado requires

25/50/15

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property.

Sources: Arizona State Legislature, Colorado Division of Insurance, Idaho Department of Insurance. Checked against these pages on Nov 14, 2026.

The liability Connecticut requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Connecticut also requires other coverage, listed on its page.

Source: Connecticut Insurance Department. Checked against this page on Nov 14, 2026.

The liability Delaware requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property. Delaware also requires other coverage, listed on its page.

Source: Delaware Department of Insurance. Checked against this page on Nov 14, 2026.

The liability District of Columbia requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property. District of Columbia also requires other coverage, listed on its page.

Source: District of Columbia Department of Motor Vehicles. Checked against this page on Nov 14, 2026.

The liability Florida requires

Florida requires $10,000 of personal injury protection, which pays your own medical costs whoever caused the crash, and $10,000 of property damage liability to register a car.

Source: Florida Department of Highway Safety and Motor Vehicles. Checked against this page on Nov 14, 2026.

The liability Georgia requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Hawaii requires

Hawaii’s own page has the amounts it requires: Hawaii Department of Commerce and Consumer Affairs, Insurance Division.

The liability Idaho requires

25/50/15

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property.

Sources: Arizona State Legislature, Colorado Division of Insurance, Idaho Department of Insurance. Checked against these pages on Nov 14, 2026.

The liability Illinois requires

25/50/20

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $20,000 for damage to other people’s property.

Sources: Illinois Department of Insurance, Montana Commissioner of Securities and Insurance, Nevada Department of Motor Vehicles, Wyoming Legislature. Checked against these pages on Nov 14, 2026.

The liability Indiana requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Iowa requires

20/40/15

$20,000 for one person’s injury or death, $40,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property.

Source: Iowa Insurance Division. Checked against this page on Nov 14, 2026.

The liability Kansas requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Kansas also requires other coverage, listed on its page.

Source: Kansas Office of Revisor of Statutes. Checked against this page on Nov 14, 2026.

The liability Kentucky requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Kentucky also requires other coverage, listed on its page.

Source: Kentucky Transportation Cabinet. Checked against this page on Nov 14, 2026.

The liability Louisiana requires

15/30/25

$15,000 for one person’s injury or death, $30,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Source: Louisiana Department of Insurance. Checked against this page on Nov 14, 2026.

The liability Maine requires

50/100/25

$50,000 for one person’s injury or death, $100,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Maine also requires other coverage, listed on its page.

Source: Maine Bureau of Insurance. Checked against this page on Nov 14, 2026.

The liability Maryland requires

30/60/15

$30,000 for one person’s injury or death, $60,000 for everyone hurt in one crash, and $15,000 for damage to other people’s property. Maryland also requires other coverage, listed on its page.

Source: Maryland Insurance Administration. Checked against this page on Nov 14, 2026.

The liability Massachusetts requires

25/50/30

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $30,000 for damage to other people’s property.

Sources: The General Court of the Commonwealth of Massachusetts, The General Court of the Commonwealth of Massachusetts. Checked against these pages on Nov 14, 2026.

The liability Michigan requires

Michigan’s own page has the amounts it requires: Michigan Department of Insurance and Financial Services.

The liability Minnesota requires

30/60/10

$30,000 for one person’s injury or death, $60,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property. Minnesota also requires other coverage, listed on its page.

Source: Minnesota Department of Commerce. Checked against this page on Nov 14, 2026.

The liability Mississippi requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Missouri requires

Missouri’s own page has the amounts it requires: Missouri Department of Revenue: Insurance Information.

The liability Montana requires

25/50/20

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $20,000 for damage to other people’s property.

Sources: Illinois Department of Insurance, Montana Commissioner of Securities and Insurance, Nevada Department of Motor Vehicles, Wyoming Legislature. Checked against these pages on Nov 14, 2026.

The liability Nebraska requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Nevada requires

25/50/20

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $20,000 for damage to other people’s property.

Sources: Illinois Department of Insurance, Montana Commissioner of Securities and Insurance, Nevada Department of Motor Vehicles, Wyoming Legislature. Checked against these pages on Nov 14, 2026.

The liability New Hampshire requires

New Hampshire’s own page has the amounts it requires: New Hampshire Insurance Department: Automobile Insurance Consumer Frequently Asked Questions.

The liability New Jersey requires

New Jersey’s standard policy starts at $35,000 for one person’s injury or death, $70,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Its basic policy covers $5,000 of property damage, and injuries to others only if you add that. Both include personal injury protection, which pays for your own injuries and those of others covered by your policy.

Source: New Jersey Department of Banking and Insurance. Checked against this page on Nov 14, 2026.

The liability New Mexico requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property.

Sources: New Mexico Motor Vehicle Division, Washington State Department of Licensing. Checked against these pages on Nov 14, 2026.

The liability New York requires

New York’s own page has the amounts it requires: New York State Department of Financial Services.

The liability North Carolina requires

50/100/50

$50,000 for one person’s injury or death, $100,000 for everyone hurt in one crash, and $50,000 for damage to other people’s property. North Carolina also requires other coverage, listed on its page.

Source: North Carolina Department of Insurance. Checked against this page on Nov 14, 2026.

The liability North Dakota requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. North Dakota also requires other coverage, listed on its page.

Source: North Dakota Insurance Department. Checked against this page on Nov 14, 2026.

The liability Ohio requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Oklahoma requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Oregon requires

25/50/20

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $20,000 for damage to other people’s property. Oregon also requires other coverage, listed on its page.

Source: Oregon Driver & Motor Vehicle Services. Checked against this page on Nov 14, 2026.

The liability Pennsylvania requires

15/30/5

$15,000 for one person’s injury or death, $30,000 for everyone hurt in one crash, and $5,000 for damage to other people’s property. Pennsylvania also requires other coverage, listed on its page.

Source: Pennsylvania Insurance Department. Checked against this page on Nov 14, 2026.

The liability Rhode Island requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability South Carolina requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. South Carolina also requires other coverage, listed on its page.

Source: South Carolina Department of Insurance. Checked against this page on Nov 14, 2026.

The liability South Dakota requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. South Dakota also requires other coverage, listed on its page.

Sources: South Dakota Legislature, South Dakota Division of Insurance. Checked against these pages on Nov 14, 2026.

The liability Tennessee requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Alabama Department of Revenue, Arkansas Insurance Department, Georgia Office of the Commissioner of Insurance and Safety Fire, Indiana Bureau of Motor Vehicles, Mississippi Insurance Department, Nebraska Department of Insurance, Ohio Bureau of Motor Vehicles, Oklahoma Insurance Department, State of Rhode Island General Assembly, Tennessee Department of Revenue. Checked against these pages on Nov 14, 2026.

The liability Texas requires

30/60/25

$30,000 for one person’s injury or death, $60,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Source: Texas Department of Insurance. Checked against this page on Nov 14, 2026.

The liability Utah requires

30/65/25

$30,000 for one person’s injury or death, $65,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. Utah also requires other coverage, listed on its page.

Sources: Utah Insurance Department, Utah Division of Motor Vehicles. Checked against these pages on Nov 14, 2026.

The liability Vermont requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property. Vermont also requires other coverage, listed on its page.

Sources: Vermont General Assembly, Vermont Department of Financial Regulation. Checked against these pages on Nov 14, 2026.

The liability Virginia requires

50/100/25

$50,000 for one person’s injury or death, $100,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property.

Sources: Division of Motor Vehicles, State of Alaska, Virginia Bureau of Insurance. Checked against these pages on Nov 14, 2026.

The liability Washington requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property.

Sources: New Mexico Motor Vehicle Division, Washington State Department of Licensing. Checked against these pages on Nov 14, 2026.

The liability West Virginia requires

25/50/25

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $25,000 for damage to other people’s property. West Virginia also requires other coverage, listed on its page.

Source: West Virginia Offices of the Insurance Commissioner. Checked against this page on Nov 14, 2026.

The liability Wisconsin requires

25/50/10

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $10,000 for damage to other people’s property. Wisconsin also requires other coverage, listed on its page.

Source: Wisconsin Office of the Commissioner of Insurance. Checked against this page on Nov 14, 2026.

The liability Wyoming requires

25/50/20

$25,000 for one person’s injury or death, $50,000 for everyone hurt in one crash, and $20,000 for damage to other people’s property.

Sources: Illinois Department of Insurance, Montana Commissioner of Securities and Insurance, Nevada Department of Motor Vehicles, Wyoming Legislature. Checked against these pages on Nov 14, 2026.

Whether it is yours to choose

Say whether money is owed on the car.

It is yours to choose

No state law makes you insure your own car. Without collision and comprehensive, you pay for its repairs yourself.

NAIC, A Shopping Tool for Auto Insurance · New Hampshire Insurance Department

Your lender decides

Most lenders require collision and comprehensive. If you drop them, the lender can buy its own coverage and charge you for it. That coverage protects the lender, not you.

Washington’s Office of the Insurance Commissioner · Consumer Financial Protection Bureau (CFPB)

Your lease decides

A lease has to state the insurance you must carry. California’s insurance department says leasing companies require collision and comprehensive.

CFPB, Regulation M · California Department of Insurance

What stays on you

With liability only, repairing or replacing your own car is on you. Add what the car is worth to see the amount.

Ohio Department of Insurance · Texas Department of Insurance

Companies charge different prices for the same coverage.

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Common questions

Is it okay to have liability only car insurance?

State laws ask you to cover what you do to others, not your own car. A lender or a lease may ask for more. Regulators’ guides say you may not need coverage for your own car if it has lost value or you can afford to replace it.

Who has the cheapest car insurance for liability only?

No regulator names one, and we rank no company. Companies charge different prices for the same coverage, so compare quotes for the same limits.

How much cheaper is liability only insurance?

No regulator publishes a figure. What you would stop paying for is collision and comprehensive on your own car, and that cost depends on the car, the driver and the company. The only figure that is yours is in your own quotes.

What does “liability only insurance” mean?

No regulator defines the phrase. In their guides, a policy with only liability coverage is one that will not pay to repair or replace your own car. Some states require more than liability, so ask what yours requires.

Can you have liability insurance on a financed car?

Usually not on its own. Most lenders require collision and comprehensive coverage while you owe on the car.

See what a loan asks for, and what stays your choice

Sources