Cheapest Car Insurance In Oregon – Andrew Hurst Andrew Hurst Senior Editor and Licensed Auto Insurance Specialist Andrew Hurst is Senior Editor and Licensed Auto Insurance Specialist b. 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 Schwartz Anna Schwartz Editor-in-Chief and Auto Insurance Expert Anna Schwartz is Editor-in-Chief and Auto Insurance Expert at , where she oversees our auto insurance coverage. She was previously a senior writer at Mic.com and a contributing writer at The Dodo.
Cheapest Car Insurance In Oregon
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Cheapest Liability Only Car Insurance (2023)
We’ve found that GEICO offers the most affordable auto liability insurance for most drivers who want minimum coverage (meaning the minimum amount of coverage required by law). Auto-Owners offers the cheapest liability insurance overall, but it is not available in every state.
Liability only insurance refers to a policy that does not include comprehensive or collision coverage. With pure liability insurance, you are only insured for the damage you cause to others in an accident, but not for damage to your vehicle.
We found the companies with the cheapest liability insurance by analyzing rate data from every zip code in Israel. These rates were provided by Quadrant Information Services.
The rates we analyzed were for a minimum insurance policy that matches the insurance requirements in each state. The prices in this study reflect the minimum amount of insurance you can purchase and still drive legally. However, you may be able to purchase liability-only insurance that exceeds your state’s minimum coverage limits.
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Rates for the overall average rate, rates by zip code and the cheapest company, are determined by averages for individual drivers aged 30 years. Our example vehicle was a 2017 Toyota Camry LE with 10,000 annual miles.
To determine the cost of liability insurance after an accident, we calculated each company’s average premium increase for fully comprehensive plans. We then applied this rate of change to the average cost of liability insurance for that company.
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Car liability insurance costs an average of $51 per month (or $617 per year), but there are some companies with cheaper than average rates.
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We found car liability insurance to be the cheapest. On average, the cost of car owner liability insurance 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 drivers. However, since these companies are not available to everyone, GEICO is the cheapest liability insurance for most people.
Ranking How we score: Rankings are determined by our editorial team. Our methodology takes into account several factors, including prices, financial ratings, quality of customer service and other product-specific characteristics.
GEICO offers the best liability insurance rates of any company available nationwide. GEICO offers coverage in all states and Washington DC. Drivers everywhere can get a quote from GEICO.
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GEICO is the cheapest liability insurance of any company available nationwide. It is the only company in our top picks that is available in every country.
On average, auto liability insurance from GEICO costs $34 per month ($402 per year). That’s $215 less per year than the average. It’s also only $35 more expensive per year than the company with the cheapest liability insurance.
GEICO also offers a number of discounts that can help drivers get even cheaper rates. You can save on your GEICO insurance if you:
Car owners have the cheapest liability-only insurance overall, although it is not available in every state. However, if you live in one of the 26 states where car owners offer coverage, you may be able to get liability insurance for less than $30 a month.
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Auto-Owners offers the cheapest auto liability insurance of any company on our list. On average, the cost of auto owner liability insurance with minimum coverage is $27 per month ($327 per year). That’s $290 less per year than the national average.
Although Auto-Owners has affordable liability insurance, it is not available everywhere. Auto-Owners only offers auto insurance in 26 states and does not provide coverage in California, New York or Texas.
USAA has some of the cheapest rates for liability only insurance, but it is only offered to active and retired military personnel and their families. In addition to affordable rates, USAA offers some of the best claims settlement services in the industry.
Military members (and their families) can get affordable auto liability insurance from USAA. We found the average cost of USAA liability-only insurance to be $31 per month ($369 per year). That’s $248 less per year than the national average.
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In addition to great family liability insurance rates, USAA also offers several discounts to help drivers lower their costs. You may be eligible for discounts from USAA if you:
USAA also offers excellent customer service. In a satisfaction survey of J.D. Auto Claims power ranks near or at the top year after year, meaning customers feel good about the claims process at USAA. [1]
Rates go up after an accident, but you can still get cheap auto liability insurance from State Farm. Unlike the other companies that also offer cheap insurance for drivers with an accident in their medical file, State Farm is available in almost every state.
State Farm offers the cheapest auto liability insurance for people who have recently been in a driving accident. On average, we found that State Farm’s liability-only coverage after an auto accident costs $49 per month ($585 per year).
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We found that the cost of liability-only insurance from State Farm after an accident is still $331 per year less than average. There are a few companies that offer slightly lower rates for higher risk drivers, but none are as common as State Farm.
State Farm doesn’t offer as many discounts as the competition, but it does offer some opportunities to save, including for drivers who:
The cost of car liability insurance largely depends on where you live. In some states, the difference between the cheapest company and average insurance costs can be hundreds or even thousands of dollars a year.
We found the cheapest companies at the state level to be GEICO and USAA, which have the best rates for liability-only insurance in a total of 32 states.
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Since the cheapest car liability insurance company varies greatly depending on where you live, it is even more important to compare quotes from the best companies before taking out insurance.
Liability only insurance is often cheaper than comprehensive insurance (including comprehensive and collision), but you can still find even cheaper liability insurance.
The best way to find the cheapest car liability insurance is to compare quotes from several companies before purchasing. This way you can immediately see which of them offers the cheapest liability insurance. You can also get cheap car liability insurance by:
After a self-inflicted accident, pure liability insurance covers only the medical treatment costs and repair bills for the other driver. Your insurance will cover you up to the maximum limits usually stated per person and per accident.
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This means that your personal injury liability insurance will cover up to $25,000 in injuries to the other drivers and their passengers. However, you are only covered up to $50,000 for the entire accident.
Your liability insurance does not cover damage to your vehicle following an accident caused by you. This is where full comprehensive insurance comes into play. Without accident and comprehensive insurance, you will have to pay to replace your car yourself if you damage it in an accident.
It is tempting to have liability insurance only instead of comprehensive insurance. Liability-only insurance costs an average of $1,035 per year less than the cost of comprehensive insurance. However, most drivers require comprehensive insurance protection.
Liability insurance only does not cover any damage to your vehicle following an accident caused by you. While the other person’s injuries and damage are covered under your policy, you must repair (or replace) your car yourself.
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In some cases it makes sense to have pure liability insurance. Therefore, you may want to forgo full comprehensive insurance in the following cases:
If you purchase liability-only insurance, you should still get more than the minimum amounts required in your state. It is not very expensive to purchase additional liability insurance. That’s why you should take as much as possible, even if you don’t have comprehensive insurance.
It can easily happen that the cost of damages or injuries to another person following an accident exceeds your state’s minimum liability limits. If you only have enough insurance to drive, you can easily find yourself paying tens of thousands of dollars out of pocket.
If you decide to purchase car liability insurance, it’s important to choose the highest amount of coverage you can afford. If you don’t have enough liability insurance to cover damages resulting from an accident you are at fault for, you may
