Cheap Car Insurance Near Me – Andrew Hurst Andrew Hurst Senior Manager and Authorized Motor Insurance Specialist Andrew Hurst is a Senior Manager and Authorized Motor Insurance Specialist at His work has also been featured 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 Expert Anna Swartz is a Senior Managing Director and Auto Insurance Expert, where she oversees our auto insurance coverage. Previously, she was a senior staff writer at Mic.com and a contributing writer at Dodo.
Cheap Car Insurance Near Me
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We found that GEICO has the cheapest insurance for most drivers who want the minimum coverage (ie the minimum amount of insurance required by law). Car owners generally have affordable liability insurance, but it’s not available in all states.
A liability policy refers to a policy that does not include comprehensive or collision coverage. With liability insurance, you are only covered for the damage you cause to others in an accident, not for damage to your own vehicle.
We found companies with the cheapest liability insurance 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 the insurance requirements in each state. The rates in this study reflect the minimum amount of insurance you can get and still drive legally, but it is possible to have liability insurance that exceeds your state’s minimum coverage limit.
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Prices for the overall average price, prices by postcode and cheapest companies are determined using averages for individual drivers over 30 years. Our test vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
To find the cost of liability insurance after an accident, we calculated the average premium increase for full coverage rates at each company. We then applied this rate of change to the average cost of a liability policy in the same company.
Some carriers may be represented by affiliates or subsidiaries. Prices shown are indicative of costs. Your actual prices may vary.
Liability insurance costs an average of $51 per month (or $617 per year), but there are some companies that have cheaper rates than the average.
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We found that the cheapest liability-only car insurance is auto owners insurance. On average, car owners insurance costs $27 per month or $327 per month per year.
Drivers can also get somewhat cheaper insurance from smaller companies like MAPFRE and Erie, as well as from USAA, which only offers insurance to military-connected drivers. However, because these companies are not available to everyone, GEICO is affordable insurance for many people.
Ratings How we score: Ratings are determined by our moderators. Our methodology takes into account many factors, including pricing, financial considerations, quality of customer service and other unique product features.
GEICO has the best rates for liability insurance of any company nationally. GEICO offers coverage in all states and anywhere in Washington DC drivers will be able to get a quote from GEICO.
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GEICO is the most affordable insurance company available nationally. It is the only company in our top picks that is available in every state.
On average, liability insurance from GEICO costs $34 per month ($402 per year). That’s $215 a year cheaper than the average. That’s only $35 more per year than a company with affordable liability insurance.
GEICO also has a number of discounts that drivers can use to get even cheaper rates. You can save on your GEICO policy if you:
Car owners generally have affordable liability insurance, although it is not available in all states. 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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Auto owners have the cheapest liability insurance from every company on our list. On average, the cost of minimum liability insurance coverage from auto owners is $27 a month ($327 a year). That’s $290 less per year than the national average.
While auto 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 affordable rates for liability insurance, but it’s only offered to active and retired members of the military and their families. In addition to the cheapest fares, USAA has some of the best claims satisfaction in the industry.
Drivers in the military (and their families) can get affordable insurance from USAA. We found that the average cost of insurance from USAA is $31 a month ($369 a 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 a few discounts that drivers can use to lower their costs. You can get a discount from USAA if you:
USAA also has good customer service. It ranks next to or on top of JD. Powers Auto Claims Satisfaction Survey, year after year, means customers feel good about the claims process with USAA. [1]
Rates go up after an accident, but you can get cheaper liability insurance from State Farm. Unlike other companies that also have cheap insurance for drivers with accidents on their records, State Farm is available in almost every state.
State Farm has affordable insurance for people with a recent accident on their driving record. On average, we found that liability insurance from State Farm alone costs $49 per month ($585 per year) after you’ve been in an at-fault accident.
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We found that State Farm liability insurance costs are 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.
State Farm doesn’t offer as many discounts as its competitors, but it does offer some opportunities to save, including for drivers who:
The price of liability 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 even thousands of dollars a year.
We found that the cheapest companies nationwide are GEICO and USAA, which have the best rates for liability insurance in a combined 32 states.
Compare Car Insurance Quotes (september 2023 Rates)
Since the cheapest company for liability insurance depends on where you live, it is very important to compare prices from the best companies before getting insurance.
Liability-only insurance will usually be cheaper than a comprehensive policy (which includes coverage and collision), but it’s still possible to find even cheaper liability insurance.
The best way to find affordable liability insurance is to compare offers from multiple companies before buying. That way, you can immediately see which one offers the cheapest liability insurance. You can also get affordable liability insurance:
Liability insurance only covers the other driver’s medical expenses and repair bills after an at-fault accident. Your policy will cover you up to its limits, which are usually shown per person and per accident
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This means that your personal injury liability insurance will cover up to $25,000 in damages for other drivers and their passengers. But you will only be covered up to $50,000 for the entire accident.
Your liability insurance does not cover damage to your own vehicle after an accident that you cause. This is where a full coverage policy will come into play. Without collision and comprehensive coverage, you will be left paying to replace your car if you accidentally damage it.
It is tempting to get liability insurance instead of full coverage. Liability insurance costs an average of $1,035 per year less than the cost of a full coverage policy. But most drivers need the protection of a full coverage policy.
Liability insurance does not cover damage to your own vehicle after an accident you cause. While injuries to others and property damage will be covered up to your policy limits, you must repair (or replace) your vehicle yourself.
Cheapest Liability Only Car Insurance (2023 Guide)
There are some cases where it makes sense to purchase liability insurance, so it may be a good idea to drop full coverage if:
If you get liability insurance, you should still 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 for the cost of someone else’s injuries or damages to exceed your state’s minimum liability limit after an accident. With just enough insurance to drive, you can easily avoid paying tens of thousands of dollars out of pocket.
If you choose to purchase liability insurance, it is important to choose the highest level of coverage you can afford. If you don’t have enough liability insurance to cover damages caused by an at-fault accident, you can
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