Liability Only Auto Insurance

Liability Only Auto Insurance with Allstate

If you need affordable car insurance that meets state minimum requirements, liability only auto insurance may be the right solution. We help drivers secure minimum coverage policies through Allstate that keep them legally protected and on the road.

Whether you are trying to lower your premium, insure an older vehicle, or meet state requirements after a lapse, we make the process simple.

High-Risk

What Is High-Risk Auto Insurance

High-risk auto insurance refers to coverage for drivers who may be considered more likely to file a claim. Insurance companies evaluate risk based on driving history, claims history, and other factors.
You may be considered high-risk if you have:
Multiple traffic violations
A DUI or DWI conviction
An at-fault accident history
A lapse in prior insurance coverage
A suspended or revoked license
A requirement for an SR-22 filing
We work with Allstate to help you obtain coverage that meets state requirements and fits your situation.

What is Liability Only Auto Insurance?

Liability only auto insurance provides coverage for damages and injuries you cause to others in an accident. It does not cover damage to your own vehicle.

This type of policy typically includes:

Bodily Injury Liability

Covers medical expenses and legal costs if you are responsible for injuring someone in an accident.

Property Damage Liability

Covers damage to another person’s vehicle or property if you are at fault.

Liability coverage is required by law in most states, and minimum limits are set by state regulations.

Trusted protection backed by experience and local care.

Who To

Who Should Consider Liability Only Coverage

Liability only insurance may be a good fit for:
Drivers of older vehicles with low market value
Drivers looking to reduce monthly premiums
Individuals needing to meet minimum state requirements
Drivers required to carry insurance after a lapse
High-risk drivers seeking basic compliance coverage
We help you determine whether minimum coverage aligns with your financial situation and vehicle value.

Condo Insurance

What Liabitility Only Does Not Cover

It is important to understand the limitations of liability only coverage.
This policy does not include:
Collision coverage for damage to your vehicle
Comprehensive protection for theft, vandalism, or weather damage
Coverage for your own vehicle repairs after an accident
If you want protection for your vehicle as well, you may consider adding collision and comprehensive coverage.

How to

How To Decide If Liability Is Right For You

When choosing liability only coverage, consider:
The current value of your vehicle
Your ability to pay out-of-pocket for repairs
Your risk tolerance
State-required minimum limits
We help you evaluate these factors and select the appropriate liability limits through Allstate.

Ways To

Ways To Keep Liability Coverage Affordable

Even with minimum coverage, you may qualify for:
Multi-policy discounts
Safe driver discounts
Payment plan options
Multi-vehicle discounts
Maintaining continuous coverage can also help prevent future premium increases.

FAQ'S

Liability Only Auto InsuranceFAQ'S

Is liability only auto insurance the cheapest option?

Liability only policies are generally less expensive than full coverage policies because they provide limited protection.

Does liability insurance cover my car if I cause an accident?

No. Liability insurance covers damage and injuries to others, not repairs to your own vehicle.

Can I switch from full coverage to liability only?

Yes. If your vehicle is paid off and has lower value, you may choose to reduce coverage, but it is important to understand the trade-offs.

What are the state minimum limits?

Minimum liability limits vary by state. We review the required limits and help ensure your policy meets legal standards.

Need affordable coverage that meets state requirements?

Get liability only auto insurance through Allstate and stay protected on the road.