The short answer is, yes, you likely need auto liability insurance. Most states require you to carry a minimum level of liability insurance to ensure you’re covered up to a certain amount if you’re involved in an accident.
That depends on where you live. Check out your state’s minimum required amount of auto liability insurance. You can purchase more coverage than your state’s required minimum amount, and also add higher limits and additional coverages on your quote. If you have questions, give us a call or talk to an agent near you—start by clicking Find an agent below.
There are two types of auto liability insurance:
Your auto liability insurance policy is made up of three distinct elements. If your state requires you to hold 25/50/15 (or $25,000/$50,000/$15,000) for auto liability insurance, that means:
If you opt to carry only your state’s minimum requirement of liability insurance and no other types of coverage, your monthly payment can be fairly low. However, your insurance costs will always depend on a variety of factors including your driving history, where you live, and your age.
Auto liability coverage is wide-ranging, but it doesn’t cover everything. Notably, it doesn’t cover items and scenarios like:
Don’t worry—you can purchase other car insurance coverages to help protect against risks not covered by your liability car insurance.
If you’re determined to be at fault in an accident, your standard liability auto insurance covers the costs of injuries to other drivers and pedestrians, along with property damage.
But what if you’re in an accident, you aren’t at fault, and the other driver doesn’t have the necessary insurance? That’s where underinsured or uninsured motorist coverage comes in. This is separate from your standard auto liability insurance, but is also required in many states.
Liability-only insurance refers to the lowest or most basic amount of required coverage you can legally hold for your vehicle. Having a liability-only policy means you’ve opted out of holding any additional coverage—like personal injury or physical damage—and only carry the state-required minimum.
Typically, if you cause an accident while driving your rental car, your liability insurance will apply to that vehicle. To make sure, review your insurance policy or give us a call at 800-334-0090.
Carrying liability car insurance—even the minimum required amount—not only helps keep you legal on the road, it can also help protect you from potentially life-altering costs associated with an accident. When the unexpected happens, it’s reassuring knowing you’re covered.
You can save even more money with discounts on your auto insurance. Find out which discounts you may be able to apply to your car insurance policy.
If you’re considering driving without active insurance, we encourage you to reconsider. There are significant risks associated with opting out of insurance. Read up on the risks of driving without insurance.