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How RateWire Works
Step One
Share a few details about yourself and your car. Our short form takes just a minute or two and lets us prepare personalized auto insurance quote options for you in seconds.
Step Two
Review your insurance options side by side. Seeing auto insurance quotes from multiple providers in one place makes it simple to choose what fits you best.
Step Three
Lock in lower rates for the coverage you actually need. Reduce your monthly auto insurance costs and put the extra savings toward your next vacation or home project.
The Law-Minimum That Protects You Financially
Liability coverage pays for damage and injuries you cause to others in an accident. It's the foundation of every auto insurance policy and the only coverage required by law in most states.
For drivers with older vehicles, tight budgets, or cars that aren't worth the cost of full coverage, liability-only is a smart, legal, and affordable choice. Comparing liability quotes across carriers ensures you're paying the least for this required protection.
Liability Coverage Limits Explained
| Limit Format | Meaning | Example Scenario |
|---|---|---|
| 25/50/25 | $25k per person / $50k per accident / $25k property | Common state minimum |
| 50/100/50 | $50k per person / $100k per accident / $50k property | Moderate protection |
| 100/300/100 | $100k per person / $300k per accident / $100k property | Recommended for asset protection |
| 250/500/100 | $250k per person / $500k per accident / $100k property | High-limit liability |
ⓘ Higher limits cost more monthly but provide significantly more protection against lawsuit exposure.
Pros and cons
Advantages
- ✓Lowest legal monthly cost available
- ✓Well-suited for older vehicles with low market value
- ✓Simple policy with no deductible for liability claims
- ✓Protects you from the financial consequences of causing an accident
Drawbacks
- ✗Does not cover damage to your own vehicle under any circumstances
- ✗Low state minimum limits may not cover serious injuries or major property damage
- ✗Direct financial exposure if a claim exceeds your policy limits
- ✗Not permitted on financed or leased vehicles — lenders require more
Frequently asked questions
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.