Cheapest Liability-Only Car Insurance Quotes & Companies

le. 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. 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.

Remember, you may need more car insurance coverage than the minimum if you are financing your car purchase or have an expensive vehicle.

GEICO is the cheapest liability-only insurer in the most states, winning 13 states with an average monthly premium of $36. However, in the realm of minimum coverage, State Farm is a strong competitor, leading in 9 states with a competitive average of $28 monthly.

Look at regional options for maximum savings. Regional carriers like Farm Bureau and Westfield Insurance often offer significantly lower rates in their operating markets, proving that local expertise can result in substantial savings on minimum required coverage.

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.

Read more about the average cost of car insurance by age and gender or use MoneyGeek's car insurance calculator to enter all your personal characteristics and get an accurate rate.

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.

Read More:

• The cheapest car insurance for college students
• The cheapest car insurance for new drivers

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.

See our car insurance discounts for seniors.

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 minimum liability coverage exclusively for military drivers, veterans and their eligible family members, with rates averaging $28 per month. Rates are lower than other top national providers due to the company's military-focused risk assessment.

General market insurers like Travelers and National General offer competitive rates for this demographic, despite USAA being the clear leader.

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:

• 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.

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:

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.