LiabilityCar belongs to an individual owner and exists to take requests for personal auto quotes, mainly liability-only. Policies are not sold, underwritten or bound here, since the site is neither an insurer nor an agency.
Licensed agents and partners in personal auto may follow up on your request. Insurers then decide whether they can cover you and set the premium.
State law shapes what a car policy must include. Our explanations stay general; your own policy and your state's statutes govern.
Why liability-only
Liability coverage is the part of a car policy that protects other people, and it is the part the law requires. Many drivers, especially with older cars, want to buy just that, but are not sure what the numbers mean or what they give up. These pages explain the trade-offs so you can choose on purpose rather than by default.
No guesswork pricing
There are no average premiums, insurer rankings or cheapest-company claims here. A driver's price turns on the record, the car and the state.
Who the site is for
Drivers with paid-off cars thinking about dropping full coverage, drivers who have been told they need an SR-22 or FR-44, and anyone returning to insurance after a lapse. If you only need liability coverage, start with the overview page.
Privacy in practice
Requests go only to recipients described in our privacy policy. Tell us to stop and we will.
When rules change
State minimums and filing rules are revised from time to time, so confirm current figures with your state before you buy.
What we stand for
Clear trade-offs
What you get and what you give up.
No made-up numbers
No averages or ranking lists.
Minimal sharing
Only what our privacy policy allows.