Cheapest Liability-Only Car Insurance Quotes & Companies

GEICO offers most drivers the cheapest liability-only car insurance, at average rates of about $43 per month or $516 per year for minimum coverage. Your driving profile may differ, so see the table below to find the cheapest liability car insurance.

While the cheapest liability car insurance rate is $43 on average based on a driver profile of a 40-year-old male with a clean driving record, the best car insurance rate available for you depends on personal factors. For example, the cheapest average rate for a female of the same age and driving record is $47 per month.

Below, you can filter for age, driving record, credit level and gender to find the cheapest liability-only car insurance rate for you:

Although GEICO is the most affordable for most drivers, your lowest rate depends on your situation. Filter the table based on your driver profile to find the cheapest liability-only car insurance for your driver profile.

Where you live makes a huge difference in what you'll pay for car insurance. National insurers like GEICO and State Farm offer good rates in most states, but regional companies often beat them in their local markets. Here's who offers the lowest liability-only rates in each state.

A ticket, at-fault accident or DUI on your record will increase your liability car insurance cost because your driver profile is riskier for the insurance company. Violations will stay on your record and impact your liability insurance cost for three to five years. Below are drivers' cheapest liability insurance options for each of these violations.

State Farm offers the cheapest liability-only coverage for drivers after a speeding ticket, with average rates of $56 per month. The table below compares providers offering liability-only coverage for drivers with a speeding ticket.

More information: Ranking the Cheapest Car Insurance for High-Risk Drivers With a Ticket

With rates averaging $62 per month, State Farm provides the cheapest liability-only coverage for drivers after an at-fault accident. The table below lists major insurers offering affordable coverage for at-fault drivers.

Some states raise your rates even when an accident wasn't your fault. If you've been in a not-at-fault accident recently, GEICO has the cheapest liability-only rates at $45 monthly.

For drivers with a DUI or DWI, State Farm offers the cheapest rates for liability-only coverage, averaging $73 per month. Check the table below for a list of insurance providers and their average annual cost for drivers with DUIs.

More information: See the Best Cheap Car Insurance With a DUI

With average rates costing $55 per month, GEICO offers the cheapest minimum coverage if you have a texting-while-driving infraction on your driving record.

With rates averaging $117 monthly, Travelers is the cheapest company offering minimum liability-only coverage for drivers with poor credit. Filter the table below by several credit levels to find the cheapest liability-only car insurance for you:

More information: Ranking of the Best Cheap Car Insurance if You Have Bad Credit

Age affects car insurance costs, with teens, younger drivers and those over 75 facing higher rates due to perceived risk. However, affordable car insurance options are still available for them. The sections below list the top liability-only car insurance rates for young drivers and seniors.

Adding teens and young drivers to a family policy costs much less than buying separate coverage — you can save 40% to 60%. Travelers offers the cheapest liability-only car insurance rates on family plans for young drivers aged 16 to 24. Here's what you can expect to pay when adding a young driver to your policy:

Although rates decrease as you age, premiums usually rise again for seniors because drivers aged 65 and older account for nearly 10% of crashes. Below are the cheapest average minimum coverage rates for senior drivers.

See our ranking of the cheapest car insurance for seniors and car insurance discounts for seniors.

We compared nationwide liability-only rates for adult drivers with clean records and good credit. Using our weighted ranking system, here are the top picks:

Finding the right liability-only coverage depends on your driving record, where you live and what you can afford. Use this guide to pick the best policy and save money.

Most people pay about $60 a month for liability-only coverage. Your rate depends on your driving record and other factors. Here's what different types of drivers usually pay:

Here are the average annual rates for liability-only car insurance across all states and Washington, D.C., compared to the national average. This overview highlights how costs vary by location.

Find out how much you can save with these liability-only insurance discounts from top providers that ranked cheapest in our analysis:

Liability-only car insurance provides financial protection when you're at fault in an accident. It covers:

1. Bodily injury liability: Medical expenses, lost wages and potentially legal costs for injuries you cause to others in an accident
2. Property damage liability: Damage you cause to other people's property, such as their vehicle, home, fence or other structures

Almost every state except New Hampshire requires drivers to carry at least some level of liability coverage. Florida is the only state that doesn't require bodily injury liability (it requires property damage liability only).

Depending on your state, additional coverages may be required as part of what's considered a "minimum liability" policy:

• Personal injury protection (PIP): In 12 no-fault states (Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah), drivers must also get PIP coverage. This pays for your medical expenses, lost wages and other injury-related costs after an accident, regardless of who's at fault. In these states, drivers must file bodily injury claims with their own insurance through their PIP coverage first, regardless of who caused the accident.
• Uninsured/Underinsured motorist coverage (UM/UIM): Many states require this coverage, which protects you if you're in an accident with a driver who has no insurance or insufficient coverage to pay for your damage and injuries.
• Medical payments coverage (MedPay): Some states require this coverage, which helps pay for medical expenses for you and your passengers regardless of fault. It's similar to PIP but more limited in scope.

Liability-only insurance has several gaps in coverage:

1. Your vehicle: It doesn't cover repairs to your own car in accidents, regardless of fault (you need collision coverage for that).
2. Your medical expenses: Your own injuries aren't covered under basic liability (you need MedPay, PIP or health insurance).
3. Natural disasters or weather damage: Damage to your car from hail, floods, fires and other disasters isn't covered (you need comprehensive coverage).
4. Theft or vandalism: If your car is stolen or vandalized, liability-only won't pay for repairs or replacement (comprehensive coverage would).

Estimating how much car insurance you need depends on your state's minimum coverage requirements to provide financial protection in the case of an accident. Liability-only coverage pays for damage you cause to others (bodily injury and property damage), not damage to your own vehicle.  

Coverage levels break down as follows:

What the Three Liability Coverage Numbers Mean (e.g., 50/100/50):

• First: Bodily injury limit per person (in thousands of dollars)
• Second: Total bodily injury limit per accident (in thousands of dollars)
• Third: Property damage limit per accident (in thousands of dollars)

Minimum Liability-Only Coverage:

• Every state is different; each sets its own liability car insurance requirements
• Example: California requires 15/30/5 liability coverage; Texas requires 30/60/25

Common Liability Coverage Levels:

• 50/100/50: Moderate coverage; higher than many state minimums
• 100/300/100: More robust liability coverage for better financial protection
• 250/500/250: High-limit liability policy; offers substantial financial protection

State minimum liability requirements rarely provide adequate financial protection. Set your liability limits high enough to cover your net worth, including home, savings, investments and other assets, which are at risk in a lawsuit following a serious accident.

With $300,000 in assets but only $50,000 in liability coverage, you'll be personally liable for substantial damage beyond your policy limits. Consider liability limits of at least 100/300/100 or higher, supplemented with an umbrella policy for comprehensive financial protection.

Liability-only insurance won't cover your car if you cause an accident or if something else damages it. Full coverage adds comprehensive and collision insurance, which pays for fixing or replacing your vehicle after crashes, weather damage or theft.

The choice depends on your car's value. Full coverage costs $800 to $1,200 more per year, but makes sense for newer or expensive cars where repairs run into thousands.

Your car's age and value should drive your coverage decision:

When Liability-Only Makes Sense for Your Vehicle

• Older vehicles: Liability-only coverage is ideal for cars 10+ years old with market values under $3,000 to $4,000. If your comprehensive and collision premiums plus deductible exceed 10% of your car's value annually, liability-only is more cost effective.
• Low-value vehicles: The average cost of collision coverage is $290 annually plus a deductible of $500 to $1,000. If your vehicle is worth $2,000, paying for collision coverage doesn't make mathematical sense.
• Secondary or rarely used vehicles: Cars driven infrequently have lower accident risk, making liability-only coverage a reasonable choice, especially for "backup" vehicles.

When Your Vehicle Needs More Than Liability-Only

• Newer vehicles: Cars under 5 years old usually retain enough value to warrant full coverage protection. The average new car costs $48,000 in 2025, a substantial asset worth protecting.
• Leased or financed vehicles: Lenders usually require full coverage with deductibles of $500 or less until the loan is paid off, making liability-only coverage not an option for these vehicles.
• High-value vehicles: Luxury cars, sports cars and specialized vehicles have higher repair and replacement costs, making comprehensive and collision coverage essential even if they're several years old.

GEICO beats most competitors on price, but your best rate depends on your situation. Your age, where you live and driving record all affect what you'll pay.

Don't settle for the first quote you get. When you compare prices from different insurers, you'll often discover savings you didn't know existed.

Below are some frequently asked questions and answers about liability-only car insurance:

How We Found the Cheapest Liability-Only Car Insurance

Our team gathered 2,474,515 quotes from 607 insurance companies in 3,523 ZIP codes nationwide. We got this information directly from state insurance departments and Quadrant Information Services, then compared the actual prices people pay.

Sample Driver Profile

We calculated average annual car insurance rates using this sample driver profile:

• 40-year-old male driver
• Driving a Toyota Camry LE
• No on-record violations
• Good credit score
• Clean driving record with no claims history

We adjusted this profile by age, driving record, credit score and car type to get rates for different types of drivers, including high-risk profiles with violations and drivers with poor credit. 

Coverage Levels Explained

MoneyGeek collected rates for policies that meet each state's minimum requirements or offer higher liability coverage. Higher liability coverage means a 50/100/50 policy, which breaks down as:

• $50,000 in bodily injury liability per person
• $100,000 in bodily injury liability per accident
• $50,000 in property damage liability per accident

You can pick your liability limits, whether you get liability-only or full coverage. Full coverage adds comprehensive and collision insurance to your liability policy, covering repair and replacement costs for your own vehicle in addition to liability coverage for others.

How We Score Each Provider

Affordability (60% of total score): We obtained quotes for standardized driver profiles and compared rates against competitors within each state. Our base profile uses a 40-year-old male driver with good credit, a clean driving record, no claims history and a valid license. We also analyzed rates for additional driver profiles to ensure accuracy across different customer segments.

Customer experience (30% of total score): We aggregated customer sentiment from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and consumer forums like Reddit. We compiled this data at the state level to reflect regional service quality and customer satisfaction patterns.

Coverage options (10% of total score): We evaluated each provider's range of coverage types, unique policy features and flexibility in customizing liability limits to meet different driver needs.