Auto Liability Coverage
Meet the requirements. Stay protected.
Coverage that protects you financially if you’re responsible for an accident — and keeps you compliant with your state’s requirements.
- Covers injury and property damage to others
- Helps protect you from out-of-pocket costs
- Required in most states to legally drive
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
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What it is
The coverage every driver needs
Liability coverage is the foundation of every auto policy.
What it covers
What Liability Coverage includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Bodily injury liability
- Property damage liability
- Legal defense
- State-minimum compliance
- Optional higher limits
Is it right for you
Who needs liability coverage?
Liability is required for every driver — but the right limits depend on what you have to protect.
- Every licensed driver — it’s the law in all five states we serve
- Drivers who want to protect savings and assets from a lawsuit
- Anyone shopping for the lowest legal way to stay covered
- New drivers building their first policy
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
How much liability coverage do I actually need?
State minimums keep you legal, but they're often far too low to protect you in a serious accident — one ER visit can blow past a $25,000 limit. We typically recommend limits high enough to cover your assets and future income, because anything the policy doesn't pay can come out of your pocket. We'll model a few limit options against your situation so you're choosing protection, not just compliance.
What does liability insurance pay for — and what doesn't it cover?
Liability pays for the other party's injuries and property damage when you're at fault, plus your legal defense if you're sued. It does not pay for your own car, your own injuries, or theft and weather damage — those need collision, comprehensive, and medical/PIP coverage. If protecting your own vehicle matters, you'll want to look at full coverage.
Is liability the same as full coverage?
No. Liability only covers what you do to others; full coverage adds collision and comprehensive to protect your own vehicle. Liability-only is common on older, paid-off cars where the vehicle isn't worth insuring, while full coverage is the norm for newer or financed cars.
Will my liability follow me when I rent or borrow a car?
In most cases your liability coverage extends to a rental or a borrowed vehicle, but the specifics depend on your policy and state. It generally won't cover damage to the rental itself — that's where a rental's own coverage or a credit-card benefit comes in. Tell us how often you rent and we'll make sure there are no surprises.
How do I keep liability-only insurance affordable?
Because liability is the leanest coverage, the main savings come from shopping carriers and stacking discounts — safe-driver, low-mileage, paid-in-full, and bundling with another policy. We compare trusted insurance companies so you're not overpaying a single company for the state minimum.
More auto insurance
Explore other auto insurance options
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
Schedule A Call With A Licensed Advisor
Pick a time that works for you — free, no obligation.
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
- Takes about 60 seconds
- No obligation
- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.