Cheap Car Insurance Companies Near Me – Andrew Hurst Andrew Hurst Senior Manager and Licensed Auto Insurance Specialist Andrew Hurst is a Senior Manager and Licensed Auto Insurance Specialist. His work has also appeared in The New York Times, Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Anna Swartz Anna Swartz Senior Managing Director and Auto Insurance Specialist Anna Swartz is a Senior Managing Director and Auto Insurance Specialist where she oversees our auto insurance coverage. Previously, she was a senior staff writer at Mic.com as well as a contributing writer at Dodo.
Cheap Car Insurance Companies Near Me
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We found that GEICO has the cheapest liability-only auto insurance for most drivers who require minimal coverage (ie, the minimum amount of insurance required by law). Car owners generally have affordable liability insurance, but it’s not available in every state.
A liability only insurance policy is a policy that does not include comprehensive or collision coverage. With liability-only insurance, you are only covered for the damage you cause to others in an accident, not for damage to your own vehicle.
We found the cheapest liability insurance companies by analyzing rate data from every zip code in the country. These quotes are provided by Quadrant Information Services.
The rates we analyzed were for the minimum coverage policy according to each state’s insurance requirements. The rates in this study reflect the minimum amount of insurance you can afford and still drive legally, but you may only have a liability policy that exceeds the minimum coverage limit in your state.
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The cheapest companies were determined using rates for overall average rates, rates by zip code, and the average for a 30-year single operator. Our sample car was a 2017 Toyota Camry LE/year with 10,000 miles.
To find liability insurance costs after an accident, we calculated each company’s average premium increase for total coverage rates. We then applied the rate of change to the average cost of a liability policy for the same company.
Some carriers may be represented by affiliates or subsidiaries. The fees charged are indicative of costs. Your actual prices may vary.
Car insurance alone costs $51 per month (or $617 per year), but there are a few companies that offer cheaper than the average price.
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We found that the cheapest liability-only car insurance is car owners insurance. On average, an owner’s liability car insurance policy costs $27 per month or $327 per year.
Drivers can get somewhat cheaper insurance from smaller companies like MAPFRE and Erie, as well as from USAA, which only offers policies to military-connected drivers. But since these companies aren’t available to everyone, GEICO is the cheapest liability-only insurance for most people.
How we rate: ‘Ratings are determined by our editorial team. Our methodology considers a variety of factors, including pricing, financial ratings, customer service quality and other product-specific features.
GEICO has the best rates for liability-only insurance of any company nationally. GEICO offers coverage in every state and Washington DC, drivers everywhere will be able to get a quote from GEICO.
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GEICO is the cheapest liability-only insurance of any company nationally. It’s the only company in our top picks in every state.
On average, car insurance from GEICO costs just $34 per month ($402 per year). That’s $215 less per year than the average. That’s $35 more per year than the company that has the cheapest insurance.
GEICO also has a series of discounts that drivers can get even lower rates. You can protect your GEICO policy by:
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Car owners generally have the cheapest liability-only insurance, though not in every state. But if you live in one of the 26 states that offer auto owners coverage, you may be able to get liability coverage for less than $30 a month.
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Vehicle owners have the cheapest liability-only car insurance of any company on our list. On average, the cost of a minimum coverage-only auto owner policy is $27 per month ($327 per year). That’s $290 less per year than the national average.
Car owners have cheap insurance, which is not available everywhere. Auto Owners offers auto insurance in only 26 states, and does not offer coverage in California, New York or Texas.
USAA has affordable rates for liability-only insurance, but it’s only offered to active and retired members of the military and their families. In addition to profitable rates, USAA has the best claims satisfaction in the industry.
Drivers in the military (and their families) can get affordable liability car insurance from USAA. We found that the average cost of a single insurance policy from USAA is $31 per month ($369 per year). This is $248 less than the national average per year.
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In addition to great rates for liability insurance for military families, USAA has many discounts that drivers can use to lower their costs. You can get a discount from USAA if you:
USAA also has excellent customer service. This is JD from year to year. Power’s auto claims ranked near or at the top of satisfaction surveys, meaning customers feel good about the claims process with USAA. [1]
Rates go up after an accident, but you can still get cheap liability-only car insurance from State Farm. Unlike other companies that offer cheap insurance for drivers with accidents on their records, State Farm is available in almost every state.
State Farm only has cheap liability car insurance for people with a recent accident on their driving record. On average, we found that liability insurance from State Farm is only $49 a month ($585 a year) after you’ve been in an at-fault accident.
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We found that liability-only insurance costs from State Farm were still $331 less per year on average after an accident. There are a few companies that offer slightly lower rates for high-risk drivers, but none are as widely available as State Farm.
Foreign Farm doesn’t have as many discounts as its competitors, but it does offer drivers some opportunities to save, including:
The cost of liability-only car insurance depends largely on where you live. In some states, the difference between the cheapest company and the average cost of insurance can be hundreds or thousands of dollars a year.
We found that GEICO and USAA are the cheapest companies by state, and have the best rates for liability-only insurance in a combined 32 states.
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Because the cheapest company for liability car insurance depends on where you live, it is very important to compare the prices of the best companies before you get insurance.
A liability-only policy will usually be cheaper than a full-coverage policy (including comprehensive and collision), but it’s still possible to find affordable liability insurance.
The best way to find affordable liability-only car insurance is to compare quotes from multiple companies before buying. This way, you can immediately see who offers the cheapest liability insurance. You can get cheap liability-only car insurance if:
Liability-only insurance only covers the other driver’s medical expenses and repair bill costs after an at-fault accident. Your policy usually covers you up to the specified limits per person and per accident.
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This means that your bodily injury liability insurance will cover up to $25,000 for injuries to other drivers and their passengers. But you are only covered up to $50,000 for the entire accident.
Your liability-only insurance does not cover damage to your own vehicle after an accident you cause. This is where a full coverage policy comes in. Without collision and comprehensive coverage, you will pay to replace your car yourself if you damage it in an accident.
It is tempting to get only liability insurance instead of full coverage. Liability-only insurance, on average, costs $1,035 less per year than a full-coverage policy. But most drivers need the protection of a full coverage policy.
Liability insurance alone does not cover damage to your own vehicle after an accident you cause. While injuries to others and property damage are covered up to your policy limits, you must repair (or replace) your vehicle.
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There are times when it makes sense to get liability insurance only, so you may want to waive full coverage:
If you only get liability insurance, you still need to get more than the minimum amount required in your state. Adding additional liability insurance isn’t very expensive, so you should get as much as you can, even if you don’t get full coverage.
It can be easy to exceed your state’s minimum liability limit for damage or injury to another person after an accident. With just enough insurance to drive, you can easily pay tens of thousands of dollars out of pocket.
If you choose to purchase liability-only car insurance, it’s important to choose the highest level of coverage you can afford. If you do not have adequate liability insurance to cover damage caused by a wrongful accident, you
