How Cheap Is Car Insurance

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We found that GEICO has the cheapest liability car insurance for most drivers who want the minimum coverage (ie, the minimum amount of coverage required by law). Car owners usually have cheaper liability insurance, but it’s not available in all states.

A liability only insurance policy refers to a policy that does not include comprehensive or collision coverage. With liability only insurance, you are only covered for damage you cause to others in an accident, not damage to your own car.

We found the companies with the cheapest liability insurance by analyzing rate data for every zip code in the country. These rates are provided by Quadrant Information Services.

The rates we have analyzed for required insurance policy are based on each state’s insurance requirements. The prices in this study reflect the minimum coverage you can get and still drive legally, but it is possible to get a personal liability policy that exceeds your state’s minimum coverage limits.

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Overall average fare rates, rates by zip code and the cheapest companies are determined using averages for single drivers over the age of 30. Our model vehicle is a 2017 Toyota Camry LE driven 10,000 miles per year.

To find the cost of liability insurance after an accident, we calculated the average premium increase at each company for full insurance rates. We apply that exchange rate to the average cost of a liability policy in the same company.

Certain administrators may be represented by subsidiaries or affiliates. The rates provided are indicative of costs. Your actual references may differ.

Liability-only auto insurance costs an average of $51 per month (or $617 per year), but some companies offer cheaper than average rates.

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We found that the cheapest liability car insurance is car owner insurance. On average, the cost of a car owner’s liability auto insurance policy is $27 per month or $327 per year.

Drivers can get some cheap insurance from smaller companies like MAPFRE and Erie, as well as USAA, which offers policies only to military-connected drivers. But because these companies aren’t available to everyone, GEICO is the cheapest liability insurance for most people.

Rating How we rate: ‘Ratings are decided by our editorial team. Our approach considers multiple factors including price, financial ratings, quality of customer service and other specific product attributes.

GEICO has the best liability insurance rates of any company available nationwide. GEICO offers coverage in every state and in Washington, DC, drivers everywhere can get a quote from GEICO.

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GEICO is the cheapest liability insurance company of all the companies available nationwide. It’s the only company in our top picks available in every state.

On average, GEICO liability auto insurance costs $34 per month ($402 per year). That’s $215 a year cheaper than the average. It’s only $35 more expensive per year than a company with cheaper liability insurance.

GEICO has a variety of discounts that fellow drivers can use to get cheaper rates. You can save on your GEICO policy by:

Car owners usually have cheaper liability insurance, although it is not available in all states. But if you live in one of the 26 states that offer auto owner coverage, you may be able to get liability coverage for less than $30 a month.

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Self-owners have the cheapest liability car insurance of any company on our list. On average, the cost of a minimum auto owner’s liability insurance policy is $27 per month ($327 per year). That’s $290 less per year than the national average.

Although car owners have affordable 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 members of the military and their families. In addition to affordable fares, USAA has some of the best claims satisfaction in the industry.

Military drivers (and their families) can get affordable liability insurance from USA. We found that the average cost of a US personal liability insurance policy is $31 per month ($369 per year). That’s $248 less per year than the national average.

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In addition to having the best liability insurance rates for military families, USAA has a few discounts that drivers can use to lower their costs. You may be eligible for US discounts if:

USAA also has excellent customer service. This is J.D. Power’s auto claims satisfaction survey has been near or at the top year after year, meaning customers feel good about the claims process with USAA. [1]

Rates go up after an accident, but you can still get affordable personal liability auto insurance from State Farm. Unlike other companies that offer affordable insurance to drivers with accidents on their records, State Farm is available in every state.

State Farm has the most affordable liability car insurance for people with a recent accident on their driving record. On average, we found that State Farm liability insurance after a no-fault accident costs $49 per month ($585 per year).

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We found that State Farm’s liability-only insurance costs were $331 less per year on average after an accident. There are some companies that have slightly lower rates for high-risk drivers, but not as available as State Farm.

State Farm doesn’t have as many discounts as its competitors, but it also offers drivers some opportunities to save:

The cost of liability car insurance largely depends 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 were GEICO and USAA, which had the best liability insurance rates in a total of 32 states.

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Since the cheapest auto liability insurance company can vary greatly depending on where you live, it’s still important to compare quotes from the best companies before buying insurance.

A personal liability policy is usually cheaper than a full insurance policy (which includes comprehensive and collision), but it is still possible to find cheaper liability insurance.

The best way to find cheap liability car insurance is to compare quotes from several companies before buying. This way, you can immediately see which one offers the cheapest liability insurance. You can get affordable car insurance only by:

Liability insurance only pays for the other driver’s medical expenses and repair bills after an at-fault accident. Your policy covers you up to its limits, which are usually shown per person per accident.

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This means that your bodily injury liability insurance covers up to $25,000 in injuries to other drivers and their passengers. But you are only covered up to $50,000 for a complete accident.

Your liability insurance does not cover damage to your own vehicle after an accident you cause. That’s where a full coverage policy comes into play. Without collision and comprehensive coverage, you will be forced to pay to buy a new car if you are damaged in an accident.

It can be tempting to buy liability insurance instead of full coverage insurance. Personal liability insurance costs, on average, $1,035 less per year than the cost of a full insurance policy. But most drivers need the protection of a full coverage policy.

Liability insurance does not only cover damage to your own car after an accident you cause. Although the other person’s injuries and property damage are covered up to your policy limits, you must repair (or replace) their car yourself.

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There are some situations where it makes sense to buy only liability insurance, so you may want to drop full coverage:

If you only get liability insurance, you still need to get more than the minimum required in your state. It’s not too expensive to add more liability coverage, so even if you don’t get full coverage, you should get everything you can afford.

The cost of another person’s damages or injuries can easily exceed your state’s minimum liability limits after an accident. With insufficient insurance to drive, you could easily be forced to pay tens of thousands of dollars out of pocket.

If you choose 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 pay for damages caused in an at-fault accident, you

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