Cheapest Liability-Only Car Insurance Quotes & Companies

GEICO offers the most affordable minimum liability coverage, with average rates of $43 per month or $522 per year. This is approximately 35% below the national average for most drivers.

The exact low-cost liability car insurance rate available to you depends on personal factors like age, driving record, credit score, and location, but minimum coverage policies give you the cheapest insurance rates possible. Remember, you may need more car insurance coverage than your state's minimum liability limits if you are financing your car purchase or have an expensive vehicle. We've highlighted the cheapest average rates for common driver profiles so you can find a rate that fits your specific situation in the table below.

GEICO offers the cheapest liability-only insurance in 13 states with an average monthly premium of $36. State Farm comes in second, leading nine states with an average of $28 monthly. Your state's cheapest option depends on local risk factors like weather patterns, accident rates and state insurance regulations.

Regional carriers offer lower rates than national insurers in many states. Farm Bureau, Westfield Insurance and other local companies often charge less because they understand regional driving conditions better than national carriers. These companies specialize in specific markets and can price more accurately for local risks.

Teens pay the highest liability premiums, costing them two to three times the adult rate due to high accident risk. Rates drop significantly around age 25 and reach their lowest point for drivers in their 50s and 60s, gradually rising again after 65.

National General offers the cheapest average liability-only rates for adding a young driver to an existing family plan, with rates averaging just $101 per month. Adding a young driver to a family auto policy is the best way to secure affordable coverage, with families often saving 40% to 60% versus the cost of a separate policy.

*These low-cost rates are based on adding a teen or young adult (Age 16–24) to a parent's established policy.

GEICO provides the cheapest minimum liability coverage for senior drivers aged 65 and up at $56 per month, making it 35% below the national average. While rates generally rise for seniors due to age-related risk factors and higher injury severity, the best providers offer competitive pricing to drivers with clean records.

Being classified as a high-risk driver due to an accident, ticket, or DUI conviction will increase your liability premiums, but comparing providers reveals which companies are most forgiving.

• At-Fault Accident: State Farm offers the most affordable liability coverage for drivers after an at-fault accident, with average rates of $62 per month (34% below the high-risk average).
• Speeding Ticket: State Farm also provides the cheapest rates for drivers with a speeding ticket, averaging $56 per month. Most moving violations impact your rate for three to five years.
• Texting-While-Driving Ticket: GEICO is the most affordable choice if you have a distracted driving ticket, costing approximately $55 per month.
• DUI/DWI Conviction: State Farm offers the lowest rates for drivers with a DUI conviction, averaging $73 per month. DUI offenses stay on your record for three to 10 years, depending on state law, and often require an SR-22 filing. Those without a car and a suspended license may need to look for cheap non-owner car insurance.
• Not-at-Fault Accident: GEICO offers the most affordable minimum coverage for drivers who have experienced a not-at-fault collision, at $45 per month.
• Poor Credit (Clean Record): National General is the cheapest minimum liability provider for drivers with poor credit at $61 per month. A poor credit-based insurance score can increase your premiums by 20% to 45% in most states.

National General offers the lowest minimum liability rates for drivers with Fair credit and a clean record, averaging $61 per month. GEICO is the second most affordable, at $62 monthly. These rates are based on a clean driving record; however, poor credit still significantly impacts your premiums and drivers with low income are more likely to have a poor credit score.

In most states, a poor credit-based insurance score can raise your liability premium by 34% or more compared to a driver with excellent credit, making it one of the largest factors after a DUI.

USAA offers the cheapest liability-only coverage for active-duty military, veterans and their eligible family members at $28 per month—47% below the national average. USAA only insures military-affiliated customers and prices policies based on military-specific risk profiles, which results in lower rates than companies serving the general public.

Liability-only insurance costs $61 to $69 per month nationwide—60% to 70% cheaper than full coverage. Getting the lowest rate comes down to which discounts you qualify for, how your state's requirements affect pricing, and which companies penalize your specific risk factors least. We'll show you how to compare providers effectively, when choosing state minimum limits leaves you financially exposed, and which money-saving strategies work best for liability-only policies.

Liability-only insurance (minimum coverage) averages $61 to $69 per month nationwide. Rates are 60% to 70% cheaper than full coverage policies. Your premium depends on individual risk factors, primarily your driving record, location and credit-based insurance score.

The average annual cost of minimum required liability-only car insurance is $806 per year, or $67 per month, for an adult driver with a clean record and good credit. This coverage is the cheapest you can buy, costing 60% to 70% less than full coverage policies.

Your premium varies widely based on your personal driving history. The table below shows how much your cost increases when high-risk factors are introduced:

Liability-only coverage refers to the mandatory insurance required to legally drive. Almost every state, with the exception of New Hampshire, requires some level of liability coverage. Florida is the sole state that does not require bodily injury liability (it mandates Property Damage Liability and PIP).

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

GEICO beats most competitors for the lowest price, but the lowest premium for you depends on your situation, your age, where you live, and your driving record, all of which 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:

Finding affordable liability-only car insurance on a tight budget means understanding which companies offer the lowest rates for your situation. We designed this research to identify the most accessible liability coverage options without sacrificing accuracy.

Data Collection

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 driver types, 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, breaking 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 for 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 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.