Liability-only insurance covers damage or injuries you cause to others. It does not pay for repairs to your own vehicle after most accidents. Full coverage usually means liability plus collision and comprehensive coverage.
When Liability-Only May Fit
Some drivers with older vehicles choose liability-only to reduce premium costs, especially when the value of the car is low compared to annual coverage costs.
When Full Coverage May Fit
If your car is financed, leased, newer, or expensive to repair, full coverage is often recommended. Lenders commonly require collision and comprehensive coverage until the loan is paid off.
Decision Checklist
Review your vehicle value, emergency savings, monthly budget, and risk tolerance. Then compare quotes for both options and check the deductible impact.
Disclosure: Insure Auto Pro may earn commissions from partner links. Coverage availability and pricing vary by insurer and state.