How Much Does Liability Car Insurance Cost?

Liability car insurance costs $68 per month on average, or $814 per year, based on MoneyGeek's 2025 analysis. It covers damage and injuries you cause to others, but not your own vehicle. Adding comprehensive and collision coverage to a liability policy protects your own vehicle in the event of an accident, theft or weather damage. See our full explainer on liability car insurance for details on what's included.

Wyoming is the cheapest state for liability car insurance at $26 per month ($316 per year), while Delaware is the most expensive at $110 per month ($1,323 per year), according to MoneyGeek's 2025 analysis — a gap of $84 per month or more than $1,000 per year between the two extremes. Rates vary this widely because each state sets its own minimum coverage requirements, and local litigation costs, weather patterns and uninsured motorist rates all push premiums up or down.

Young drivers pay the most for liability car insurance — far more than any other age group. Drivers ages 16 to 25 pay an average of $100 per month ($1,205 per year), compared to $68 per month ($814 per year) for adult drivers ages 26 to 59. That's a gap of roughly $391 per year, reflecting the higher accident rates statistically associated with inexperienced drivers. Finding cheap car insurance for teens and cheap car insurance for seniors both require targeted provider comparisons, since rates shift meaningfully with age.

A DUI raises the average liability premium by $642 per year, from $68 per month to $121 per month — making it the most damaging single driving event for your premium, according to MoneyGeek's 2025 data. Drivers with any risk factor on their record should compare quotes aggressively, since rate differences between insurers for high-risk drivers can be larger than the risk surcharge itself. For options, see cheap car insurance for high-risk drivers. Drivers with a DUI can find affordable options with cheap car insurance with a DUI, and those wondering how much car insurance goes up after an accident can find state-level estimates in our dedicated guide.

Poor credit raises liability rates by $1,039 per year above good credit — from $814 to $1,853 annually — the largest single rate factor in MoneyGeek's 2025 data. Excellent credit saves $47 per year versus good credit. Drivers with low scores should explore car insurance for drivers with bad credit and insurers that don't check credit scores, which may offer more competitive rates regardless of credit history.

GEICO is the cheapest liability car insurance company at $45 per month ($545 per year) for a driver with a clean record and good credit, based on MoneyGeek's 2025 analysis. The spread across all 14 insurers in our data runs from $45 to $124 per month — a $948 annual gap — so provider choice is the single most controllable cost lever available to most drivers. See cheapest car insurance companies for a broader ranking across all coverage types.

For young drivers, National General offers the lowest liability rate at $100 per month ($1,205 per year). For senior drivers, GEICO offers the lowest liability rate at $58 per month ($702 per year). For drivers with a DUI, National General offers the lowest liability rate at $66 per month ($793 per year). For drivers with poor credit, National General offers the lowest liability rate at $73 per month ($874 per year). Drivers in each category should also explore cheap car insurance for young adults and cheap SR-22 insurance where applicable.

MoneyGeek's rate data reflects quotes for a 40-year-old adult driver with a clean record and good credit insuring a 2022 Honda Accord. Liability-only rates reflect state minimum coverage requirements with no comprehensive or collision coverage. Data was collected in February 2025 from major insurers across all 50 states. Learn more about our methodology.