Cheapest Liability-Only Car Insurance Quotes and Companies

GEICO is the cheapest car insurance company for liability-only coverage, charging $43 monthly, which is 35% below the $67 national average. Travelers and National General tie at $50 per month. Travelers excels for drivers who want local agent support and bundling discounts, while National General specializes in high-risk drivers and non-standard policies.

Your rate depends on your age, driving record and state, but liability-only policies cut premiums by 60% to 70% compared to full coverage. 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. Find cheaper liability-only quotes below.

Teens pay the highest liability premiums, costing them two to three times the adult rate due to high accident risk. Rates drop around age 25 and reach their lowest point for drivers in their 50s and 60s, gradually rising again after 65. The cheapest insurer changes by age group. National General offers the lowest rates for young drivers at $101 monthly when added to a family policy. GEICO leads for seniors at $56 per month.

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-only car insurance for seniors aged 65 and up $ at 56 monthly for minimum liability, which is 35% below the $87 senior average. State Farm costs $62 per month, just $6 more than GEICO, but offers a 10% discount for mature drivers who complete defensive driving courses. Senior rates climb due to slower reaction times, increased injury severity in crashes and higher medical costs. Drivers with clean records qualify for senior discounts offsetting these increases. AARP members save 15% through The Hartford.

GEICO offers the cheapest liability-only insurance in 13 states, averaging $36 monthly. State Farm leads nine states at $28 per month. Your state's cheapest option depends on local accident rates, weather patterns and state insurance regulations.

Regional carriers beat national insurers in many states. Farm Bureau, Westfield Insurance and other local companies often charge less because they price regional risks like ice storms, hail damage and deer collisions more accurately than national carriers writing policies across all 50 states.

An at-fault accident, speeding ticket or DUI conviction clasisfies you as a high-risk driver and raises your liability premiums, but comparing providers shows which companies penalize your specific violation least. State Farm offers the lowest rates for most violations, while GEICO leads for distracted driving tickets and not-at-fault accidents.

• 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.

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.