What Is The Cheapest Online Insurance – Andrew Hurst Andrew Hurst Senior Editor and Licensed Auto Insurance Expert Andrew Hurst is a Senior Editor and Licensed Auto Insurance Expert. His work has also appeared in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360. to whom
Anna Swartz Anna Swartz Senior Editor and Auto Insurance Expert Anna Swartz is the company’s senior editor and auto insurance expert, where she oversees our auto insurance coverage. Previously, he was a senior writer for Mic.com and a writer for The Dodo.
What Is The Cheapest Online Insurance
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We found that GEICO has the cheapest liability coverage for most drivers who want minimum coverage (ie, the lowest coverage required by law). Auto-Owners has the cheapest liability insurance, but it’s not available in all states.
Liability-only insurance means insurance that does not include comprehensive or collision coverage. With liability-only insurance, you only pay for damages you cause to others in an accident, not damages to your own vehicle.
We found the cheapest liability insurance companies by analyzing price data for every zip code in the country. These rates are provided by Quadrant Information Services.
The rates in our analysis were for minimum coverage based on each state’s insurance requirements. The rates in this survey reflect the minimum amount of insurance you can get and still drive legally, but you may only have liability insurance that exceeds your state’s minimum coverage limits.
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Overall average prices, prices by postcode and the cheapest companies were determined using individual driver averages over 30 years. Our example car was a 2017 Toyota Camry LE with 10,000 annual miles.
To determine the costs of liability insurance after an accident, we calculate the average premium increase for each company for full insurance premiums. We then applied these rates of change to the average cost of liability insurance for the same company.
Some operators may be represented by subsidiaries or affiliates. Offered prices are an example of costs. Your actual offers may vary.
Liability-only auto insurance costs an average of $51 per month (or $617 per year), but some companies have lower-than-average rates.
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We found that the cheapest liability-only car insurance is Auto-Owners Insurance. Auto-owners liability insurance costs an average of $27 per month or $327 per year.
Drivers can also get the cheapest insurance from smaller companies like MAPFRE and Erie, as well as USAA, which only offers insurance to drivers who are military-connected. But since these companies aren’t available to everyone, GEICO is the cheapest liability insurance for most people.
Rating How do we rate? “Ratings are determined by our editorial team. Our methodology takes into account several factors such as pricing, financial ratings, quality of customer service and other product-specific characteristics.
GEICO has the best liability insurance rates of any national company. GEICO offers coverage in every state and Washington. Drivers everywhere can get quotes from GEICO.
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GEICO is the cheapest liability insurance company available in the country. It is our best company available in every state.
GEICO liability auto insurance costs an average of $34 per month ($402 per year). That’s $215 less than the annual average. It’s also only $35 more per year than the company with the cheapest liability insurance.
GEICO also has a selection of discounts that drivers can take advantage of to get even lower prices. You can save on your GEICO insurance if:
Auto-Owners has the cheapest liability-only coverage, though it’s not available in all states. But if you live in one of the 26 states where Auto-Owners offers coverage, you can get liability coverage for less than $30 a month.
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Auto-Owners has the cheapest liability-only auto insurance on our list. Minimum auto owner liability insurance costs an average of $27 per month ($327 per year). That’s $290 less than the national average per year.
Although Auto-Owners has inexpensive liability insurance, it is not available everywhere. Auto-Owners only offers auto insurance in 26 states, but does not offer coverage in California, New York or Texas.
USAA only has the cheapest liability insurance, but it is only offered to active and retired military and their families. In addition to cheap fares, USAA has the best claims in the industry.
Military drivers (and their families) can get cheap liability insurance from the US. We found that the average cost of USAA liability insurance is $31 per month ($369 per year). That’s $248 less than the national average per year.
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In addition to excellent coverage rates for military family liability insurance, USAA offers several discounts that drivers can use to lower costs. You can get discounts from the US if:
USAA also has great customer service. It ranks near or above J.D.’s. in Power’s Auto Claims Satisfaction Survey year after year, meaning customers feel positive about USAA’s claims process. [1]
Prices go up after an accident, but you can still get cheap liability insurance from State Farm. Unlike other companies that also have cheap insurance for popular accident drivers, State Farm is available in almost every state.
State Farm has the cheapest auto insurance for people who have recently been in an accident. On average, we found that just liability insurance from State Farm costs $49 a month ($585 a year) after you’ve been in an accident.
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We found that State Farm liability insurance costs are still $331 less per year than the average post-accident costs. Some companies have slightly lower rates for higher-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, including for drivers who:
The cost of liability-only 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 by state are GEICO and USAA, which have the best liability coverage in a total of 32 states.
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Since the cheapest liability insurance company varies greatly depending on where you live, it is even more important to compare the offers of the best companies before taking out insurance.
Liability-only insurance is usually cheaper than comprehensive insurance (which includes comprehensive and collision coverage), but it’s still possible to find even cheaper liability insurance.
The best way to find the cheapest liability insurance is to compare quotes from several companies before you buy. This way, you can immediately see what the cheapest liability insurance is. You can also get cheap liability insurance.
Liability-only insurance only covers the other driver’s medical expenses and repair costs after an accident. Your insurance covers you up to its limits, which are usually shown per person per accident.
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This means your liability insurance will cover up to $25,000 for injuries to other drivers and their passengers. But you will only be compensated up to $50,000 for the entire accident.
Liability insurance alone does not cover damages to your own vehicle after an accident you cause. The full coverage policy will then take effect. Without collision and comprehensive coverage, you’ll have to pay to replace your car yourself if you damage it in an accident.
Liability-only insurance is tempting instead of comprehensive coverage. Liability-only insurance costs an average of $1,035 less per year than comprehensive coverage. However, most drivers need comprehensive coverage.
Liability insurance alone does not cover damages to your own vehicle after an accident you cause. Even if the other party’s injuries and property damage are covered under your policy, you’ll have to repair (or replace) your car yourself.
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In some cases it makes sense to only have liability insurance, so you can waive full coverage if:
If you only get liability insurance, you still need to get more than the minimum amounts required in your state. Adding liability insurance isn’t very expensive, so you should take out as much as you can afford, even if you don’t get full coverage.
The cost of another damage or injury can easily exceed your state’s minimum liability limits after an accident. If you have enough insurance to drive a car, you could easily end up paying tens of thousands of dollars out of pocket.
If you decide to purchase liability-only insurance, it’s important to choose the highest coverage you can afford. If you do not have sufficient liability insurance to cover damages caused by an industrial accident, you
