Cheap Motor Insurance – Andrew Hurst Andrew Hurst Senior Editor and Licensed Motor Insurance Specialist Andrew Hurst is Senior Editor and Licensed Motor Insurance Specialist at . His work has also been featured in the New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin and Property Casualty 360.
Anna Swartz Senior Managing Editor and Auto Insurance Expert Anna Swartz Anna Swartz is a senior executive editor and auto insurance expert at , where she oversees our auto insurance coverage. He was previously a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
- Cheap Motor Insurance
- Simple Steps Reduced My Car Insurance By 57% (in Only 20 Minutes)
- Cheapest Car Insurance In Texas Today
- Cheapest Car Insurance In New York
- Best Cheap Car Insurance Companies (november 2023)
- Very Cheap Car Insurance No Deposit
- Who Has The Cheapest Auto Insurance Quotes In California?
- Best Cheap Car Insurance Companies In November 2023
- Who Has The Cheapest Auto Insurance Quotes In North Carolina?
- How To Save Money On Car Auto Insurance
- Best Cheap Car Insurance For Teens 2023
- Best Car Insurance For 16 Year Olds
Cheap Motor Insurance
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Simple Steps Reduced My Car Insurance By 57% (in Only 20 Minutes)
We found that GEICO has the cheapest liability-only car insurance for most drivers who want minimum coverage (meaning the lowest amount of coverage required by law). Auto Owners has the cheapest liability insurance overall, but it’s not available in every state.
A liability-only insurance policy refers to a policy that does not include comprehensive or collision coverage. With liability-only insurance, you will only be covered for the damage you cause to others in an accident, not the damage to your car.
We find the cheapest liability insurance companies by analyzing rate data from every zip code in the country. These rates are provided by Quadrant Information Services.
The rates we analyze are based on minimum coverage policies according to each state’s insurance requirements. The rates in this study reflect the lowest amount of insurance you can get and still drive legally, but it’s possible to have a liability-only policy that exceeds your state’s minimum coverage limits.
Cheapest Car Insurance In Texas Today
Prices for overall average rates, prices by postcode and cheapest company are determined using averages for individual drivers over 30 years of age. Our sample vehicle is a 2017 Toyota Camry LE with 10,000 miles per year.
To find the cost of liability insurance after an accident, we calculated the average premium increase in each company for the comprehensive coverage rate. We then apply that rate of change to the average cost of liability policies in the same company.
Some carriers may be represented by branches or subsidiaries. The rates listed are examples of costs. Your actual quote may vary.
Liability-only auto insurance costs an average of $51 per month (or $617 per year), but there are some companies with lower-than-average rates.
Cheapest Car Insurance In New York
We have found that the cheapest car insurance is car owner liability only insurance. On average, the price of a car owner’s liability auto insurance policy is $27 per month, or $327 per year.
Drivers can also get some of the cheapest insurance from smaller companies like MAPFRE and Erie, as well as USAA, which offers policies only for military-related drivers. But since these companies aren’t available to everyone, GEICO is the cheapest liability-only insurance for most people.
Rating How we rate: ‘ rating is determined by our editorial team. Our methodology considers a variety of factors, including price, financial valuation, quality of customer service and other product-specific features.
GEICO has the best rates for liability only insurance of any company available nationally. GEICO offers coverage in every state and Washington, D.C., drivers everywhere will be able to get a quote from GEICO.
Best Cheap Car Insurance Companies (november 2023)
GEICO is the cheapest liability insurance company of any company available in the country. It’s the only company in our top picks available in every state.
On average, GEICO liability-only auto insurance costs $34 per month ($402 per year). That’s $215 cheaper per year than average. It’s also only $35 more per year than the company with the cheapest liability insurance.
GEICO also has several discounts that drivers can take advantage of to get cheaper rates. You can save on your GEICO policy if you:
Auto Owners has the cheapest liability-only insurance, although it’s not available in every state. But if you live in one of the 26 states where Auto Owners offers coverage, you may be able to get liability coverage for less than $30 a month.
Very Cheap Car Insurance No Deposit
Auto Owners has the cheapest auto liability insurance of any company on our list. On average, the cost of a liability-only policy for minimum coverage from a car owner is $27 per month ($327 per year). That’s $290 less per year than the national average.
Although Auto Owners has cheap liability insurance, it is not available everywhere. Auto Owners only offers auto insurance in 26 states and does not offer coverage in California, New York or Texas.
USAA has some of the cheapest rates for liability-only insurance, but it’s only offered to active and retired military members and their families. In addition to low fares, USAA has some of the best claims fulfillment in the industry.
Military drivers (and their families) can get cheap auto liability insurance from USAA. We found that the average cost of a liability-only insurance policy from USAA is $31 per month ($369 per year). That’s $248 less per year than the national average.
Who Has The Cheapest Auto Insurance Quotes In California?
In addition to having high rates for liability insurance for military families, USAA has several discounts that drivers can take advantage of to reduce their costs. You may qualify for a discount from USAA if:
USAA also has excellent customer service. It ranks near or ahead of J.D. year by year. Power’s auto claims satisfaction survey means customers feel happy about the claims process with USAA. 
Rates go up after an accident, but you can still get cheap liability-only car insurance from State Farm. Unlike other companies that also have cheap insurance for drivers who have had an accident on their record, State Farm is available in almost every state.
State Farm has the cheapest auto liability insurance for people with a recent accident on their driving record. On average, we found that liability-only insurance from State Farm costs $49 per month ($585 per year) after you’ve been in an accident.
Best Cheap Car Insurance Companies In November 2023
We found that the cost of liability-only insurance from State Farm is still $331 less per year than the average post-accident. There are some companies that have slightly lower rates for high-risk drivers, but none are as widely available as State Farm.
State Farm doesn’t have as many discounts as its competitors, but it does offer some savings opportunities, including for drivers who:
The cost of vehicle liability insurance depends a lot on where you live. In some states, the difference between the cheapest company and the average cost of insurance can be hundreds or even thousands of dollars a year.
We found that the cheapest companies at the state level are GEICO and USAA, which have the best liability-only insurance rates in the 32 states combined.
Who Has The Cheapest Auto Insurance Quotes In North Carolina?
Since the cheapest liability car insurance companies vary depending on where you live, it is even more important to compare quotes from the best companies before getting insurance.
A liability-only policy will usually be cheaper than a full coverage policy (which includes comprehensive and collision insurance), but it is still possible to find cheaper liability insurance.
The best way to find the cheapest liability-only car insurance is to compare quotes from multiple companies before you buy. That way, you can quickly see which one offers the cheapest liability insurance. You can also get cheap liability only car insurance at:
Liability-only insurance only covers the cost of the other driver’s medical expenses and repair bills after an at-fault accident. Your policy will cover you up to its limit, which is usually shown per person and per accident.
How To Save Money On Car Auto Insurance
This means your bodily injury liability insurance will cover up to $25,000 for injuries to other drivers and their passengers. But you’ll only be covered up to $50,000 for the entire accident.
Your liability-only insurance does not cover damage to your vehicle after an accident you cause. That’s where a full coverage policy comes in. Without collision and comprehensive coverage, you’ll be stuck paying to replace your own car if you damage it in an accident.
It’s tempting to get liability-only insurance instead of full coverage. Liability-only insurance costs an average of $1,035 per year less than the cost of a full coverage policy. But most drivers need full coverage policy coverage.
Liability insurance alone will not cover damage to your car after an accident you cause. While other people’s injuries and property damage will be covered up to your policy limits, you’ll need to repair (or replace) your own car.
Best Cheap Car Insurance For Teens 2023
There are some cases where it makes sense to get liability-only insurance, so you may want to forego full coverage if:
If you get liability insurance only, you should still get more than the minimum amount required in your state. It’s not expensive to add more liability insurance, so you should get as much as you can afford even if you don’t have full coverage.
It’s easy for the cost of someone else’s damage or injury to exceed your state’s minimum liability limit after a collision. With only enough insurance to drive, you can easily be stuck paying tens of thousands of dollars out of pocket.
If you decide to purchase liability-only auto insurance, it’s important to choose the highest level of coverage you can afford. If you don’t have enough liability insurance to cover the damage caused by an accident as a result of an accident, you
Best Car Insurance For 16 Year Olds
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