CarInsurance.com Insights
- GEICO, Travelers and Progressive are the most affordable companies that offer liability-only car insurance rates.
- Although USAA offers great rates, only drivers with a qualifying military connection can purchase auto insurance through this company.
- Based on our research, national carriers often have more expensive average rates than regional insurance companies.
If you’re looking for the cheapest way to meet your state’s insurance requirements, liability-only coverage is the best option. GEICO and Travelers have the cheapest rates, among the companies analyzed at $619 and $807 a year, respectively.
However, our experts recommend getting higher liability limits of 100/300/100, along with comprehensive and collision coverage, for most drivers – especially if your car is new, financed or leased. This helps protect you from costly out-of-pocket expenses in case of an accident.
Which insurers offer the cheapest liability-only car insurance?
In 2025, USAA offers the cheapest liability-only car insurance rates, at an average annual cost of $463. However, only drivers with a qualifying military connection can get insurance from USAA.
Besides USAA, GEICO offers the lowest average annual cost, at $619.
The table below highlights the average annual cost of liability-only car insurance with limits of 50/100/50 from multiple companies:
| Company | Average annual cost |
|---|---|
| GEICO | $619 |
| Travelers | $807 |
| Progressive | $846 |
| Nationwide | $945 |
| State Farm | $969 |
| Allstate | $1,114 |
| Farmers | $1,193 |
| USAA* | $463 |
The annual cost of 50/100/50 liability-only policies by an insurer
Note: USAA is only available to military community members and their families
Cheapest liability-only auto insurance rates by state
The cost of liability-only car insurance varies dramatically from state to state. Beyond the difference in cost from state to state, the amount of coverage you choose to purchase will impact your insurance costs.
You’ll likely pay less if you opt for a minimum coverage policy for your state. However, the minimum liability limits might not represent enough financial protection for your wallet. Luckily, you have the option to purchase a more robust liability-only policy. As you add more liability protection, expect to pay more for coverage.
We recommend that most drivers purchase liability limits of 100/300/100, representing $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident, and $100,000 in property damage coverage per accident.
The table below showcases the cheapest liability-only auto insurance rates in each state for two levels of liability coverage: Limits of 50/100/50 or 100/300/100.
For reference, a 50/100/50 liability policy equates to $50,000 in bodily injury coverage per person, $100,000 in bodily injury coverage per accident, and $50,000 in property damage coverage per accident.
| State | Company | 50/100/50 BI/PD | 100/300/100 BI/PD |
|---|---|---|---|
| Alaska | Allstate | $548 | $2,791 |
| Alaska | GEICO | $436 | $1,818 |
| Alaska | Progressive | $661 | $1,752 |
| Alaska | State Farm | $677 | $2,523 |
| Alaska | USAA | $364 | $1,575 |
| Alaska | Western National Insurance | $566 | $2,832 |
| Alabama | Allstate | $959 | $2,524 |
| Alabama | Auto-Owners | $742 | $2,227 |
| Alabama | Country Financial | $423 | $1,840 |
| Alabama | Farmers | $1,163 | $3,024 |
| Alabama | GEICO | $505 | $1,709 |
| Alabama | Nationwide | $795 | $1,963 |
| Alabama | Progressive | $670 | $2,452 |
| Alabama | Travelers | $673 | $1,677 |
| Alabama | USAA | $439 | $1,556 |
| Arkansas | Alfa Insurance | $993 | $3,947 |
| Arkansas | Allstate | $1,135 | $3,745 |
| Arkansas | Farmers | $1,019 | $2,869 |
| Arkansas | GEICO | $521 | $1,871 |
| Arkansas | Nationwide | $828 | $2,673 |
| Arkansas | Progressive | $912 | $4,017 |
| Arkansas | Shelter Insurance | $618 | $2,103 |
| Arkansas | Southern Farm Bureau | $651 | $2,798 |
| Arkansas | Travelers | $557 | $1,680 |
| Arkansas | USAA | $399 | $1,527 |
| Arizona | Allstate | $1,123 | $2,846 |
| Arizona | Auto-Owners | $767 | $2,258 |
| Arizona | CSAA Insurance (AAA) | $0 | $4,965 |
| Arizona | Farmers | $1,535 | $2,865 |
| Arizona | GEICO | $692 | $1,796 |
| Arizona | Nationwide | $1,173 | $2,636 |
| Arizona | Progressive | $935 | $2,114 |
| Arizona | State Farm | $1,082 | $2,883 |
| Arizona | Travelers | $693 | $1,707 |
| Arizona | USAA | $672 | $1,880 |
| California | Allstate | $1,620 | $3,922 |
| California | Auto Club Enterprises (AAA) | $991 | $2,967 |
| California | CSAA Insurance (AAA) | $589 | $2,874 |
| California | Farmers | $1,482 | $3,409 |
| California | GEICO | $618 | $2,038 |
| California | Kemper | $772 | $2,584 |
| California | Mercury Insurance | $1,031 | $2,782 |
| California | Nationwide | $1,597 | $4,227 |
| California | Progressive | $747 | $2,684 |
| California | State Farm | $873 | $3,078 |
| California | Travelers | $1,283 | $3,604 |
| California | USAA | $699 | $2,080 |
| Colorado | Acuity Insurance | $970 | $4,214 |
| Colorado | Allstate | $1,314 | $3,970 |
| Colorado | Auto-Owners | $1,140 | $2,725 |
| Colorado | Farmers | $1,502 | $3,615 |
| Colorado | GEICO | $440 | $2,249 |
| Colorado | Kemper | $751 | $2,486 |
| Colorado | Progressive | $746 | $3,045 |
| Colorado | Southern Farm Bureau | $571 | $3,298 |
| Colorado | State Farm | $1,052 | $4,435 |
| Colorado | USAA | $493 | $2,201 |
| Connecticut | Allstate | $1,262 | $3,104 |
| Connecticut | Amica | $922 | $3,133 |
| Connecticut | Farmers | $1,366 | $3,498 |
| Connecticut | GEICO | $606 | $1,633 |
| Connecticut | Kemper | $735 | $1,737 |
| Connecticut | Nationwide | $1,210 | $2,675 |
| Connecticut | Progressive | $1,405 | $3,265 |
| Connecticut | State Farm | $1,408 | $3,390 |
| Connecticut | The Hanover | $2,060 | $6,479 |
| Connecticut | USAA | $558 | $1,631 |
| Washington, D.C. | Allstate | $1,714 | $4,591 |
| Washington, D.C. | Chubb | $490 | $3,300 |
| Washington, D.C. | GEICO | $633 | $1,991 |
| Washington, D.C. | Nationwide | $1,342 | $2,847 |
| Washington, D.C. | Progressive | $1,491 | $4,835 |
| Washington, D.C. | State Farm | $1,713 | $4,774 |
| Washington, D.C. | USAA | $495 | $1,418 |
| Delaware | Allstate | $2,138 | $4,700 |
| Delaware | American Family | $1,570 | $3,225 |
| Delaware | Donegal Insurance | $2,075 | $4,076 |
| Delaware | GEICO | $778 | $1,831 |
| Delaware | Nationwide | $1,089 | $1,936 |
| Delaware | Progressive | $1,211 | $2,629 |
| Delaware | Sentry Insurance | $3,317 | $6,505 |
| Delaware | State Farm | $1,323 | $3,008 |
| Delaware | USAA | $757 | $1,788 |
| Florida | Allstate | $2,415 | $4,531 |
| Florida | Farmers | $2,475 | $4,777 |
| Florida | GEICO | $1,646 | $2,865 |
| Florida | Mercury Insurance | $2,361 | $4,144 |
| Florida | National General | $2,780 | $4,961 |
| Florida | Nationwide | $2,053 | $3,335 |
| Florida | Progressive | $3,638 | $6,622 |
| Florida | State Farm | $1,512 | $2,681 |
| Florida | Travelers | $1,218 | $2,520 |
| Florida | UAIC | $2,223 | $2,612 |
| Georgia | Allstate | $1,331 | $3,067 |
| Georgia | Auto-Owners | $777 | $2,266 |
| Georgia | Central Insurance | $829 | $2,681 |
| Georgia | Country Financial | $1,030 | $2,545 |
| Georgia | GEICO | $693 | $2,248 |
| Georgia | Mercury Insurance | $1,343 | $3,495 |
| Georgia | Progressive | $864 | $1,980 |
| Georgia | Safeway Insurance | $1,329 | $3,412 |
| Georgia | State Farm | $1,789 | $4,107 |
| Georgia | USAA | $675 | $1,728 |
| Hawaii | Allstate | $789 | $2,379 |
| Hawaii | Farmers | $650 | $1,746 |
| Hawaii | GEICO | $416 | $1,251 |
| Hawaii | Island Insurance | $556 | $1,936 |
| Hawaii | Progressive | $726 | $1,279 |
| Hawaii | State Farm | $726 | $2,312 |
| Hawaii | USAA | $358 | $1,141 |
| Iowa | Allstate | $789 | $3,046 |
| Iowa | Auto-Owners | $344 | $1,772 |
| Iowa | GEICO | $324 | $1,871 |
| Iowa | Grinnell Mutual | $697 | $3,670 |
| Iowa | IMT Insurance | $276 | $2,066 |
| Iowa | Iowa Farm Bureau | $379 | $3,212 |
| Iowa | Progressive | $308 | $2,079 |
| Iowa | State Farm | $385 | $2,005 |
| Iowa | Travelers | $381 | $1,449 |
| Iowa | USAA | $282 | $1,319 |
| Iowa | West Bend Insurance Company | $312 | $2,036 |
| Idaho | Allstate | $617 | $2,525 |
| Idaho | Auto-Owners | $425 | $1,558 |
| Idaho | Farmers | $515 | $1,636 |
| Idaho | GEICO | $257 | $1,308 |
| Idaho | Idaho Farm Bureau | $513 | $2,272 |
| Idaho | Nationwide | $729 | $1,802 |
| Idaho | Sentry Insurance | $823 | $2,947 |
| Idaho | State Farm | $384 | $1,452 |
| Idaho | Travelers | $507 | $1,756 |
| Idaho | USAA | $213 | $777 |
| Illinois | Allstate | $704 | $2,869 |
| Illinois | Auto Club Group – ACG (AAA) | $558 | $1,834 |
| Illinois | Auto-Owners | $454 | $2,031 |
| Illinois | Country Financial | $374 | $2,060 |
| Illinois | Erie Insurance | $358 | $2,018 |
| Illinois | GEICO | $403 | $1,451 |
| Illinois | Progressive | $702 | $2,166 |
| Illinois | Travelers | $622 | $1,455 |
| Illinois | USAA | $504 | $1,638 |
| Indiana | Allstate | $815 | $2,680 |
| Indiana | Auto-Owners | $423 | $1,889 |
| Indiana | Farmers | $948 | $2,190 |
| Indiana | GEICO | $343 | $1,175 |
| Indiana | Indiana Farm Bureau | $655 | $2,662 |
| Indiana | Indiana Farmers Insurance | $471 | $2,060 |
| Indiana | Progressive | $465 | $1,648 |
| Indiana | Travelers | $442 | $1,475 |
| Indiana | USAA | $248 | $921 |
| Kansas | Allstate | $956 | $3,447 |
| Kansas | Farmers | $747 | $2,363 |
| Kansas | GEICO | $364 | $1,996 |
| Kansas | Iowa Farm Bureau | $606 | $4,331 |
| Kansas | Nationwide | $681 | $2,119 |
| Kansas | Progressive | $573 | $2,203 |
| Kansas | Shelter Insurance | $599 | $2,312 |
| Kansas | State Farm | $631 | $2,897 |
| Kansas | Travelers | $424 | $1,844 |
| Kansas | USAA | $274 | $1,375 |
| Kentucky | Allstate | $1,700 | $4,571 |
| Kentucky | Auto-Owners | $903 | $2,549 |
| Kentucky | Farmers | $2,055 | $5,954 |
| Kentucky | GEICO | $757 | $2,259 |
| Kentucky | Kentucky Farm Bureau | $818 | $3,473 |
| Kentucky | Progressive | $1,089 | $3,063 |
| Kentucky | Shelter Insurance | $968 | $2,538 |
| Kentucky | State Farm | $1,148 | $3,827 |
| Kentucky | Travelers | $645 | $1,813 |
| Kentucky | USAA | $580 | $1,619 |
| Louisiana | Allstate | $4,023 | $9,726 |
| Louisiana | Auto Club Enterprises (AAA) | $2,034 | $4,853 |
| Louisiana | Farmers | $2,373 | $4,627 |
| Louisiana | GEICO | $1,266 | $3,347 |
| Louisiana | Louisiana Farm Bureau | $1,624 | $5,169 |
| Louisiana | Progressive | $1,795 | $4,218 |
| Louisiana | Safeway Insurance | $1,520 | $4,679 |
| Louisiana | Southern Farm Bureau | $886 | $2,223 |
| Louisiana | State Farm | $1,976 | $4,761 |
| Louisiana | USAA | $1,216 | $2,696 |
| Massachusetts | Allstate | $1,216 | $3,388 |
| Massachusetts | Amica | $637 | $2,491 |
| Massachusetts | Arbella Insurance | $933 | $2,807 |
| Massachusetts | Farmers | $758 | $2,807 |
| Massachusetts | GEICO | $643 | $1,817 |
| Massachusetts | Plymouth Rock Assurance | $576 | $1,719 |
| Massachusetts | Progressive | $1,024 | $2,490 |
| Massachusetts | Safety Insurance | $690 | $2,189 |
| Massachusetts | Travelers | $1,115 | $2,962 |
| Massachusetts | USAA | $492 | $1,658 |
| Maryland | Allstate | $1,657 | $4,019 |
| Maryland | Erie Insurance | $605 | $1,906 |
| Maryland | GEICO | $490 | $1,545 |
| Maryland | Nationwide | $899 | $1,834 |
| Maryland | Penn National Insurance | $1,073 | $3,129 |
| Maryland | Progressive | $1,167 | $2,588 |
| Maryland | State Farm | $934 | $2,415 |
| Maryland | Travelers | $773 | $1,957 |
| Maryland | USAA | $436 | $1,311 |
| Maine | Allstate | $540 | $2,056 |
| Maine | Auto-Owners | $268 | $1,060 |
| Maine | Farmers | $422 | $2,196 |
| Maine | Frankenmuth Insurance | $395 | $2,415 |
| Maine | GEICO | $323 | $1,441 |
| Maine | MMG Insurance | $425 | $2,073 |
| Maine | Progressive | $244 | $1,454 |
| Maine | State Farm | $633 | $2,357 |
| Maine | Travelers | $329 | $964 |
| Maine | USAA | $262 | $997 |
| Michigan | Auto Club Group – ACG (AAA) | $583 | $2,935 |
| Michigan | Auto-Owners | $567 | $2,877 |
| Michigan | Frankenmuth Insurance | $967 | $4,312 |
| Michigan | GEICO | $574 | $1,827 |
| Michigan | Michigan Farm Bureau | $926 | $3,870 |
| Michigan | Pioneer State Mutual | $895 | $3,996 |
| Michigan | Progressive | $717 | $3,165 |
| Michigan | State Farm | $1,613 | $4,477 |
| Michigan | Travelers | $383 | $2,182 |
| Michigan | USAA | $389 | $1,811 |
| Minnesota | Allstate | $711 | $2,883 |
| Minnesota | Auto Club Group – ACG (AAA) | $565 | $2,035 |
| Minnesota | Auto-Owners | $410 | $1,864 |
| Minnesota | GEICO | $655 | $3,406 |
| Minnesota | Nationwide | $1,115 | $2,515 |
| Minnesota | North Star Mutual | $488 | $3,161 |
| Minnesota | State Farm | $639 | $2,404 |
| Minnesota | Travelers | $601 | $1,776 |
| Minnesota | USAA | $433 | $1,713 |
| Minnesota | Western National Insurance | $742 | $4,298 |
| Missouri | Auto Club Enterprises (AAA) | $949 | $2,969 |
| Missouri | GEICO | $444 | $1,861 |
| Missouri | Missouri Farm Bureau | $447 | $2,801 |
| Missouri | Nationwide | $1,023 | $3,067 |
| Missouri | Progressive | $883 | $3,934 |
| Missouri | Shelter Insurance | $648 | $2,149 |
| Missouri | Travelers | $517 | $1,687 |
| Missouri | USAA | $290 | $1,269 |
| Mississippi | Allstate | $1,178 | $2,992 |
| Mississippi | GEICO | $625 | $2,637 |
| Mississippi | Nationwide | $847 | $2,559 |
| Mississippi | Progressive | $584 | $2,687 |
| Mississippi | Safeway Insurance | $632 | $3,518 |
| Mississippi | Shelter Insurance | $850 | $2,346 |
| Mississippi | Southern Farm Bureau | $634 | $2,743 |
| Mississippi | Travelers | $680 | $1,885 |
| Mississippi | USAA | $428 | $1,405 |
| Montana | Allstate | $828 | $3,322 |
| Montana | Farmers | $1,036 | $2,984 |
| Montana | GEICO | $391 | $2,821 |
| Montana | Kemper | $585 | $2,692 |
| Montana | Nationwide | $714 | $2,180 |
| Montana | Progressive | $601 | $3,101 |
| Montana | State Farm | $388 | $1,914 |
| Montana | USAA | $234 | $1,276 |
| North Carolina | Allstate | $976 | $4,643 |
| North Carolina | Erie Insurance | $346 | $1,168 |
| North Carolina | Farmers | $795 | $2,479 |
| North Carolina | GEICO | $834 | $3,233 |
| North Carolina | Nationwide | $589 | $2,452 |
| North Carolina | North Carolina Farm Bureau | $737 | $2,795 |
| North Carolina | Penn National Insurance | $740 | $2,797 |
| North Carolina | Progressive | $537 | $1,480 |
| North Carolina | State Farm | $510 | $1,714 |
| North Carolina | Utica National Insurance Group | $1,176 | $3,496 |
| North Dakota | Allstate | $793 | $2,884 |
| North Dakota | American Family | $169 | $1,238 |
| North Dakota | Auto-Owners | $375 | $2,446 |
| North Dakota | GEICO | $277 | $1,933 |
| North Dakota | Nationwide | $368 | $1,250 |
| North Dakota | Nodak Insurance | $302 | $2,614 |
| North Dakota | North Star Mutual | $353 | $2,583 |
| North Dakota | Progressive | $374 | $2,046 |
| North Dakota | State Farm | $556 | $2,704 |
| North Dakota | USAA | $206 | $1,088 |
| Nebraska | Allstate | $711 | $2,824 |
| Nebraska | Auto-Owners | $415 | $1,638 |
| Nebraska | Farmers Mutual of Nebraska | $276 | $1,605 |
| Nebraska | GEICO | $278 | $2,859 |
| Nebraska | Iowa Farm Bureau | $544 | $4,829 |
| Nebraska | Progressive | $401 | $2,515 |
| Nebraska | Shelter Insurance | $506 | $2,346 |
| Nebraska | USAA | $347 | $1,797 |
| New Hampshire | Allstate | $782 | $1,904 |
| New Hampshire | Auto-Owners | $335 | $1,377 |
| New Hampshire | Farmers | $640 | $2,784 |
| New Hampshire | GEICO | $371 | $1,206 |
| New Hampshire | MMG Insurance | $275 | $1,606 |
| New Hampshire | Nationwide | $712 | $1,475 |
| New Hampshire | Progressive | $589 | $1,859 |
| New Hampshire | State Farm | $726 | $2,280 |
| New Hampshire | The Hanover | $235 | $1,144 |
| New Hampshire | USAA | $296 | $1,036 |
| New Jersey | Allstate | $1,355 | $3,206 |
| New Jersey | Farmers | $1,168 | $2,712 |
| New Jersey | GEICO | $897 | $2,487 |
| New Jersey | NJM | $830 | $2,134 |
| New Jersey | Plymouth Rock Assurance | $976 | $2,400 |
| New Jersey | Progressive | $1,125 | $3,071 |
| New Jersey | Selective Insurance | $1,001 | $2,232 |
| New Jersey | State Farm | $1,935 | $3,819 |
| New Jersey | The Hanover | $2,069 | $5,557 |
| New Jersey | Travelers | $1,591 | $2,579 |
| New Mexico | Allstate | $842 | $2,995 |
| New Mexico | Central Insurance | $418 | $1,952 |
| New Mexico | Farmers | $1,152 | $2,765 |
| New Mexico | GEICO | $536 | $1,502 |
| New Mexico | Iowa Farm Bureau | $765 | $3,743 |
| New Mexico | Kemper | $771 | $3,449 |
| New Mexico | Nationwide | $961 | $2,547 |
| New Mexico | Progressive | $602 | $2,046 |
| New Mexico | State Farm | $786 | $2,640 |
| New Mexico | USAA | $455 | $1,254 |
| Nevada | Allstate | $2,082 | $4,102 |
| Nevada | American Family | $1,428 | $2,848 |
| Nevada | CSAA Insurance (AAA) | $2,267 | $7,558 |
| Nevada | Farmers | $2,283 | $3,712 |
| Nevada | GEICO | $1,187 | $2,769 |
| Nevada | Mercury Insurance | $1,388 | $3,036 |
| Nevada | Progressive | $1,514 | $3,739 |
| Nevada | State Farm | $1,948 | $3,875 |
| Nevada | Travelers | $1,108 | $2,222 |
| Nevada | USAA | $852 | $1,946 |
| New York | Allstate | $1,530 | $3,005 |
| New York | Chubb | $1,338 | $4,486 |
| New York | Erie Insurance | $804 | $2,415 |
| New York | GEICO | $800 | $2,218 |
| New York | NYCM Insurance | $618 | $2,343 |
| New York | Progressive | $578 | $1,448 |
| New York | State Farm | $1,545 | $2,930 |
| New York | The Hanover | $1,908 | $4,311 |
| New York | Travelers | $2,153 | $4,010 |
| New York | USAA | $755 | $1,911 |
| Ohio | Allstate | $615 | $1,922 |
| Ohio | Auto-Owners | $384 | $1,694 |
| Ohio | Cincinnati Insurance | $489 | $2,086 |
| Ohio | Erie Insurance | $286 | $1,541 |
| Ohio | Farmers | $765 | $2,103 |
| Ohio | GEICO | $510 | $1,522 |
| Ohio | Grange Insurance | $326 | $1,314 |
| Ohio | Progressive | $520 | $1,756 |
| Ohio | Travelers | $683 | $2,353 |
| Ohio | USAA | $281 | $1,062 |
| Ohio | Westfield Insurance | $391 | $1,860 |
| Oklahoma | AFR Insurance | $585 | $2,671 |
| Oklahoma | Allstate | $1,062 | $3,457 |
| Oklahoma | Farmers | $1,078 | $3,020 |
| Oklahoma | GEICO | $575 | $2,066 |
| Oklahoma | Mercury Insurance | $684 | $2,871 |
| Oklahoma | Oklahoma Farm Bureau | $1,018 | $3,866 |
| Oklahoma | Progressive | $501 | $2,341 |
| Oklahoma | Shelter Insurance | $772 | $2,475 |
| Oklahoma | State Farm | $820 | $2,946 |
| Oklahoma | USAA | $414 | $1,542 |
| Oregon | Country Financial | $436 | $1,886 |
| Oregon | Farmers | $1,207 | $2,587 |
| Oregon | GEICO | $665 | $1,993 |
| Oregon | Nationwide | $959 | $1,836 |
| Oregon | Oregon Mutual Insurance | $508 | $1,172 |
| Oregon | Progressive | $1,892 | $3,584 |
| Oregon | State Farm | $911 | $2,383 |
| Oregon | Travelers | $763 | $1,657 |
| Oregon | USAA | $564 | $1,523 |
| Pennsylvania | Allstate | $863 | $2,533 |
| Pennsylvania | Donegal Insurance | $458 | $2,715 |
| Pennsylvania | Erie Insurance | $367 | $1,848 |
| Pennsylvania | GEICO | $621 | $2,974 |
| Pennsylvania | Nationwide | $527 | $1,809 |
| Pennsylvania | Progressive | $967 | $3,600 |
| Pennsylvania | State Farm | $667 | $2,795 |
| Pennsylvania | Travelers | $481 | $1,423 |
| Pennsylvania | USAA | $445 | $1,958 |
| Pennsylvania | Westfield Insurance | $498 | $2,660 |
| Rhode Island | Allstate | $1,193 | $3,181 |
| Rhode Island | American Family | $901 | $2,924 |
| Rhode Island | Amica | $864 | $3,293 |
| Rhode Island | Farmers | $1,234 | $3,939 |
| Rhode Island | GEICO | $928 | $2,982 |
| Rhode Island | Nationwide | $1,482 | $2,866 |
| Rhode Island | Progressive | $871 | $2,369 |
| Rhode Island | State Farm | $779 | $2,162 |
| Rhode Island | Travelers | $839 | $2,141 |
| Rhode Island | USAA | $500 | $1,399 |
| South Carolina | Allstate | $905 | $2,806 |
| South Carolina | Auto-Owners | $751 | $1,715 |
| South Carolina | GEICO | $846 | $2,417 |
| South Carolina | Nationwide | $935 | $2,130 |
| South Carolina | Progressive | $907 | $2,666 |
| South Carolina | Southern Farm Bureau | $915 | $2,310 |
| South Carolina | State Farm | $1,352 | $3,133 |
| South Carolina | Travelers | $1,096 | $2,342 |
| South Carolina | USAA | $560 | $1,772 |
| South Dakota | Allstate | $608 | $2,335 |
| South Dakota | Auto-Owners | $333 | $2,891 |
| South Dakota | Farmers | $778 | $2,796 |
| South Dakota | Farmers Mutual of Nebraska | $171 | $1,499 |
| South Dakota | GEICO | $301 | $3,318 |
| South Dakota | Iowa Farm Bureau | $480 | $4,708 |
| South Dakota | Nationwide | $604 | $2,442 |
| South Dakota | North Star Mutual | $367 | $3,228 |
| South Dakota | Progressive | $243 | $2,249 |
| South Dakota | State Farm | $395 | $2,814 |
| South Dakota | USAA | $250 | $2,041 |
| Tennessee | Allstate | $959 | $3,242 |
| Tennessee | Erie Insurance | $387 | $2,004 |
| Tennessee | Farm Bureau Insurance of Tennessee | $417 | $2,067 |
| Tennessee | Farmers | $787 | $2,190 |
| Tennessee | GEICO | $423 | $1,673 |
| Tennessee | Nationwide | $983 | $2,373 |
| Tennessee | Progressive | $654 | $2,661 |
| Tennessee | State Farm | $813 | $3,073 |
| Tennessee | Travelers | $494 | $1,657 |
| Tennessee | USAA | $380 | $1,271 |
| Texas | Allstate | $1,451 | $4,258 |
| Texas | Auto Club Enterprises (AAA) | $928 | $2,318 |
| Texas | Farmers | $1,514 | $4,260 |
| Texas | GEICO | $947 | $2,746 |
| Texas | Progressive | $864 | $2,916 |
| Texas | Redpoint Insurance | $835 | $1,890 |
| Texas | State Farm | $720 | $2,264 |
| Texas | Texas Farm Bureau | $456 | $1,339 |
| Texas | USAA | $540 | $1,692 |
| Utah | Allstate | $1,059 | $2,879 |
| Utah | Auto-Owners | $700 | $1,953 |
| Utah | Farmers | $1,298 | $2,752 |
| Utah | GEICO | $547 | $1,397 |
| Utah | Iowa Farm Bureau | $965 | $3,138 |
| Utah | Nationwide | $533 | $1,188 |
| Utah | Progressive | $1,038 | $2,622 |
| Utah | State Farm | $1,743 | $4,444 |
| Utah | United Insurance Co | $1,168 | $2,531 |
| Utah | USAA | $470 | $1,354 |
| Virginia | Allstate | $773 | $2,490 |
| Virginia | Auto-Owners | $548 | $1,979 |
| Virginia | Erie Insurance | $430 | $1,736 |
| Virginia | Farmers | $0 | $5,319 |
| Virginia | GEICO | $469 | $1,581 |
| Virginia | Progressive | $755 | $2,525 |
| Virginia | State Farm | $755 | $2,529 |
| Virginia | Travelers | $391 | $1,213 |
| Virginia | USAA | $385 | $1,181 |
| Virginia | Virginia Farm Bureau | $338 | $1,216 |
| Vermont | Allstate | $264 | $1,674 |
| Vermont | Auto-Owners | $296 | $1,501 |
| Vermont | Co-operative Insurance Companies | $230 | $1,648 |
| Vermont | GEICO | $330 | $1,582 |
| Vermont | Nationwide | $541 | $1,554 |
| Vermont | Progressive | $400 | $980 |
| Vermont | State Farm | $345 | $1,410 |
| Vermont | USAA | $218 | $1,038 |
| Vermont | Vermont Mutual | $385 | $1,950 |
| Washington | Allstate | $1,136 | $2,478 |
| Washington | American Family | $856 | $1,752 |
| Washington | Farmers | $1,055 | $2,232 |
| Washington | GEICO | $731 | $1,998 |
| Washington | Nationwide | $895 | $2,408 |
| Washington | PEMCO | $680 | $2,527 |
| Washington | Progressive | $958 | $2,587 |
| Washington | State Farm | $1,012 | $2,522 |
| Washington | Travelers | $880 | $2,164 |
| Washington | USAA | $433 | $1,058 |
| Wisconsin | Acuity Insurance | $401 | $2,464 |
| Wisconsin | Allstate | $846 | $2,923 |
| Wisconsin | Erie Insurance | $261 | $1,951 |
| Wisconsin | Farmers | $820 | $2,664 |
| Wisconsin | GEICO | $256 | $1,376 |
| Wisconsin | Nationwide | $601 | $1,825 |
| Wisconsin | Progressive | $767 | $3,563 |
| Wisconsin | Travelers | $396 | $1,284 |
| Wisconsin | USAA | $261 | $1,176 |
| Wisconsin | West Bend Insurance Company | $402 | $1,844 |
| West Virginia | Allstate | $951 | $3,819 |
| West Virginia | Erie Insurance | $430 | $2,092 |
| West Virginia | Farmers | $901 | $2,801 |
| West Virginia | GEICO | $540 | $1,934 |
| West Virginia | Progressive | $837 | $2,974 |
| West Virginia | State Farm | $732 | $2,801 |
| West Virginia | USAA | $370 | $1,451 |
| West Virginia | Westfield Insurance | $537 | $2,620 |
| Wyoming | Allstate | $658 | $3,159 |
| Wyoming | American National | $221 | $827 |
| Wyoming | Farmers | $389 | $1,623 |
| Wyoming | GEICO | $203 | $3,211 |
| Wyoming | State Farm | $297 | $1,641 |
| Wyoming | USAA | $193 | $1,441 |
Note:
- Liability-only coverage with limits of 50/100/50 BI/PD
- Liability-only coverage with limits of 100/300/100 BI/PD
- USAA isn’t available to everyone. Must have a military connection to qualify.
Cheapest liability-only car insurance by age
Generally, young drivers with less experience behind the wheel pay more for car insurance. With age and more time on the road, insurers reward drivers, lowering car insurance premiums.
The table below highlights the cheapest average liability-only car insurance companies by age.
| Age | Company | Annual cost | Monthly cost | Average 6-month cost |
|---|---|---|---|---|
| 16 | GEICO | $2,338 | $195 | $1,169 |
| 16 | Travelers | $3,095 | $258 | $1,547 |
| 16 | State Farm | $3,388 | $282 | $1,694 |
| 16 | Nationwide | $3,698 | $308 | $1,849 |
| 16 | Progressive | $4,292 | $358 | $2,146 |
| 16 | Allstate | $5,014 | $418 | $2,507 |
| 16 | Farmers | $6,804 | $567 | $3,402 |
| 16 | USAA | $2,252 | $188 | $1,126 |
| 17 | GEICO | $1,903 | $159 | $951 |
| 17 | Travelers | $2,462 | $205 | $1,231 |
| 17 | State Farm | $2,985 | $249 | $1,492 |
| 17 | Nationwide | $3,434 | $286 | $1,717 |
| 17 | Progressive | $3,814 | $318 | $1,907 |
| 17 | Allstate | $3,891 | $324 | $1,945 |
| 17 | Farmers | $5,146 | $429 | $2,573 |
| 17 | USAA | $1,603 | $134 | $801 |
| 18 | GEICO | $1,638 | $137 | $819 |
| 18 | Travelers | $1,995 | $166 | $997 |
| 18 | State Farm | $2,644 | $220 | $1,322 |
| 18 | Allstate | $3,000 | $250 | $1,500 |
| 18 | Progressive | $3,009 | $251 | $1,505 |
| 18 | Nationwide | $3,177 | $265 | $1,588 |
| 18 | Farmers | $4,489 | $374 | $2,245 |
| 18 | USAA | $1,339 | $112 | $669 |
| 19 | GEICO | $1,273 | $106 | $637 |
| 19 | Travelers | $1,583 | $132 | $792 |
| 19 | Progressive | $1,908 | $159 | $954 |
| 19 | State Farm | $2,162 | $180 | $1,081 |
| 19 | Allstate | $2,206 | $184 | $1,103 |
| 19 | Nationwide | $2,610 | $218 | $1,305 |
| 19 | Farmers | $2,620 | $218 | $1,310 |
| 19 | USAA | $1,033 | $86 | $517 |
| 20 | GEICO | $1,137 | $95 | $569 |
| 20 | Travelers | $1,398 | $117 | $699 |
| 20 | Progressive | $1,699 | $142 | $850 |
| 20 | State Farm | $1,939 | $162 | $969 |
| 20 | Allstate | $1,949 | $162 | $974 |
| 20 | Nationwide | $2,203 | $184 | $1,101 |
| 20 | Farmers | $2,413 | $201 | $1,207 |
| 20 | USAA | $935 | $78 | $468 |
| 21 | GEICO | $906 | $75 | $453 |
| 21 | Travelers | $1,159 | $97 | $579 |
| 21 | Progressive | $1,336 | $111 | $668 |
| 21 | Nationwide | $1,486 | $124 | $743 |
| 21 | Allstate | $1,585 | $132 | $792 |
| 21 | State Farm | $1,637 | $136 | $818 |
| 21 | Farmers | $1,806 | $151 | $903 |
| 21 | USAA | $699 | $58 | $350 |
| 22 | GEICO | $838 | $70 | $419 |
| 22 | Travelers | $1,076 | $90 | $538 |
| 22 | Progressive | $1,219 | $102 | $610 |
| 22 | Nationwide | $1,336 | $111 | $668 |
| 22 | Allstate | $1,439 | $120 | $719 |
| 22 | State Farm | $1,506 | $125 | $753 |
| 22 | Farmers | $1,613 | $134 | $806 |
| 22 | USAA | $657 | $55 | $328 |
| 23 | GEICO | $783 | $65 | $392 |
| 23 | Travelers | $1,017 | $85 | $508 |
| 23 | Progressive | $1,140 | $95 | $570 |
| 23 | Nationwide | $1,250 | $104 | $625 |
| 23 | State Farm | $1,338 | $111 | $669 |
| 23 | Allstate | $1,357 | $113 | $678 |
| 23 | Farmers | $1,542 | $129 | $771 |
| 23 | USAA | $622 | $52 | $311 |
| 24 | GEICO | $742 | $62 | $371 |
| 24 | Travelers | $963 | $80 | $481 |
| 24 | Progressive | $1,066 | $89 | $533 |
| 24 | Nationwide | $1,193 | $99 | $597 |
| 24 | State Farm | $1,226 | $102 | $613 |
| 24 | Allstate | $1,276 | $106 | $638 |
| 24 | Farmers | $1,495 | $125 | $747 |
| 24 | USAA | $594 | $49 | $297 |
| 25 | GEICO | $681 | $57 | $341 |
| 25 | Travelers | $865 | $72 | $433 |
| 25 | Progressive | $947 | $79 | $474 |
| 25 | State Farm | $1,102 | $92 | $551 |
| 25 | Nationwide | $1,116 | $93 | $558 |
| 25 | Allstate | $1,189 | $99 | $594 |
| 25 | Farmers | $1,289 | $107 | $644 |
| 25 | USAA | $543 | $45 | $272 |
| 30 | GEICO | $615 | $51 | $308 |
| 30 | Travelers | $828 | $69 | $414 |
| 30 | Progressive | $876 | $73 | $438 |
| 30 | State Farm | $980 | $82 | $490 |
| 30 | Nationwide | $987 | $82 | $493 |
| 30 | Allstate | $1,128 | $94 | $564 |
| 30 | Farmers | $1,200 | $100 | $600 |
| 30 | USAA | $487 | $41 | $244 |
| 35 | GEICO | $616 | $51 | $308 |
| 35 | Travelers | $833 | $69 | $416 |
| 35 | Progressive | $862 | $72 | $431 |
| 35 | Nationwide | $954 | $80 | $477 |
| 35 | State Farm | $969 | $81 | $484 |
| 35 | Allstate | $1,119 | $93 | $559 |
| 35 | Farmers | $1,187 | $99 | $593 |
| 35 | USAA | $473 | $39 | $237 |
| 40 | GEICO | $619 | $52 | $309 |
| 40 | Travelers | $807 | $67 | $403 |
| 40 | Progressive | $846 | $71 | $423 |
| 40 | Nationwide | $945 | $79 | $473 |
| 40 | State Farm | $969 | $81 | $485 |
| 40 | Allstate | $1,114 | $93 | $557 |
| 40 | Farmers | $1,193 | $99 | $596 |
| 40 | USAA | $463 | $39 | $231 |
| 45 | GEICO | $621 | $52 | $310 |
| 45 | Travelers | $801 | $67 | $401 |
| 45 | Progressive | $823 | $69 | $412 |
| 45 | Nationwide | $930 | $77 | $465 |
| 45 | State Farm | $967 | $81 | $483 |
| 45 | Allstate | $1,107 | $92 | $554 |
| 45 | Farmers | $1,168 | $97 | $584 |
| 45 | USAA | $455 | $38 | $228 |
| 50 | GEICO | $619 | $52 | $309 |
| 50 | Progressive | $782 | $65 | $391 |
| 50 | Travelers | $791 | $66 | $395 |
| 50 | Nationwide | $906 | $75 | $453 |
| 50 | State Farm | $937 | $78 | $469 |
| 50 | Allstate | $1,078 | $90 | $539 |
| 50 | Farmers | $1,127 | $94 | $564 |
| 50 | USAA | $448 | $37 | $224 |
| 55 | GEICO | $615 | $51 | $308 |
| 55 | Progressive | $750 | $63 | $375 |
| 55 | Travelers | $755 | $63 | $378 |
| 55 | Nationwide | $879 | $73 | $439 |
| 55 | State Farm | $914 | $76 | $457 |
| 55 | Allstate | $1,060 | $88 | $530 |
| 55 | Farmers | $1,077 | $90 | $538 |
| 55 | USAA | $445 | $37 | $222 |
| 60 | GEICO | $621 | $52 | $311 |
| 60 | Progressive | $747 | $62 | $374 |
| 60 | Travelers | $761 | $63 | $381 |
| 60 | Nationwide | $879 | $73 | $439 |
| 60 | State Farm | $896 | $75 | $448 |
| 60 | Farmers | $1,061 | $88 | $530 |
| 60 | Allstate | $1,079 | $90 | $539 |
| 60 | USAA | $448 | $37 | $224 |
| 65 | GEICO | $630 | $52 | $315 |
| 65 | Progressive | $764 | $64 | $382 |
| 65 | Travelers | $813 | $68 | $407 |
| 65 | State Farm | $904 | $75 | $452 |
| 65 | Nationwide | $908 | $76 | $454 |
| 65 | Allstate | $1,116 | $93 | $558 |
| 65 | Farmers | $1,122 | $93 | $561 |
| 65 | USAA | $472 | $39 | $236 |
| 70 | GEICO | $695 | $58 | $347 |
| 70 | Progressive | $825 | $69 | $413 |
| 70 | Travelers | $855 | $71 | $427 |
| 70 | State Farm | $943 | $79 | $471 |
| 70 | Nationwide | $976 | $81 | $488 |
| 70 | Allstate | $1,147 | $96 | $573 |
| 70 | Farmers | $1,219 | $102 | $610 |
| 70 | USAA | $520 | $43 | $260 |
| 75 | GEICO | $755 | $63 | $378 |
| 75 | Travelers | $923 | $77 | $462 |
| 75 | Progressive | $932 | $78 | $466 |
| 75 | State Farm | $1,031 | $86 | $516 |
| 75 | Nationwide | $1,059 | $88 | $530 |
| 75 | Allstate | $1,270 | $106 | $635 |
| 75 | Farmers | $1,337 | $111 | $669 |
| 75 | USAA | $586 | $49 | $293 |
Note:
- Average annual cost for a 50/100/50 liability-only policy
- Average monthly cost for a 50/100/50 liability-only policy
- USAA isn’t available to everyone. Must have qualifying military experience to qualify.
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How much does liability-only car insurance cost, on average?
Liability-only car insurance with limits of 50/100/50 costs an average of $801 per year or $67 per month. It’s important to note that your specific insurance costs will likely vary based on the details of your unique situation. You might end up paying more or less than the average cost.
When does buying liability-only car insurance make sense?
“Most states have minimum requirements for car insurance, meaning that all drivers must have at least a certain type/amount of coverage in order to legally be on the road. This minimum coverage is typically an amount of liability coverage,” says Ben Michael, Attorney at Michael & Associates. “So, one reason why someone may want liability coverage only could be to make sure they have met their state’s legal requirements.”
Beyond meeting your state’s minimum liability requirements, you might be required by your auto lender to purchase collision and comprehensive coverage. After paying off the vehicle, you can choose to stick with a liability-only policy.
However, a liability-only policy only makes sense if you can afford to get back on the road after an accident without help from an insurance company. Or, if you have an older vehicle valued at less than the cost of a full coverage policy, opting for a liability-only policy could make sense.
Cheap liability-only auto insurance for budget-conscious drivers
Drivers seeking a liability-only auto insurance policy on a budget can find relatively low average rates through companies like GEICO and Travelers, which both offer policies for an average of $52 and $67 per month, respectively.
Other cheap car insurance companies that offer liability-only car insurance for less than $100 per month include Progressive, Nationwide, State Farm, Allstate, Farmers and USAA.
The table below highlights the average monthly cost of liability car insurance with limits of 50/100/50 from national carriers.
| Company | Average Monthly Premium |
|---|---|
| GEICO | $52 |
| Travelers | $67 |
| Progressive | $71 |
| Nationwide | $79 |
| State Farm | $81 |
| Allstate | $93 |
| Farmers | $99 |
| USAA* | $39 |
Note: USAA is only available to military community members and their families
The table below highlights the average monthly cost of liability car insurance with limits of 50/100/50 from regional carriers.
Note that these insurance companies might not offer coverage in your area.
| Company | State availability | Average monthly cost | Average 6-month cost |
|---|---|---|---|
| Auto-Owners | 21 | $45 | $270 |
| Erie Insurance | 10 | $37 | $222 |
| Shelter Insurance | 7 | $59 | $355 |
| Iowa Farm Bureau | 6 | $47 | $282 |
| Southern Farm Bureau | 5 | $60 | $358 |
| Mercury Insurance | 5 | $112 | $673 |
| Kemper | 5 | $62 | $373 |
| American Family | 5 | $65 | $391 |
| The Hanover | 4 | $141 | $847 |
| Country Financial | 4 | $45 | $273 |
| Auto Club Enterprises (AAA) | 4 | $89 | $533 |
| Westfield Insurance | 3 | $39 | $236 |
| Safeway Insurance | 3 | $116 | $693 |
| North Star Mutual | 3 | $36 | $214 |
| Auto Club Group – ACG (AAA) | 3 | $47 | $284 |
| Amica | 3 | $62 | $374 |
| Western National Insurance | 2 | $54 | $322 |
| West Bend Insurance Company | 2 | $29 | $176 |
| Sentry Insurance | 2 | $100 | $601 |
| Plymouth Rock Assurance | 2 | $66 | $395 |
| Penn National Insurance | 2 | $72 | $431 |
| MMG Insurance | 2 | $31 | $185 |
| Frankenmuth Insurance | 2 | $66 | $394 |
| Farmers Mutual of Nebraska | 2 | $21 | $124 |
| Donegal Insurance | 2 | $43 | $258 |
| Chubb | 2 | $110 | $657 |
| Central Insurance | 2 | $58 | $349 |
| CSAA Insurance (AAA) | 2 | $50 | $302 |
| Acuity Insurance | 2 | $53 | $315 |
| Virginia Farm Bureau | 1 | $28 | $169 |
| Vermont Mutual | 1 | $32 | $192 |
| Utica National Insurance Group | 1 | $98 | $588 |
| United Insurance Co | 1 | $97 | $584 |
| UAIC | 1 | $185 | $1,111 |
| Texas Farm Bureau | 1 | $38 | $228 |
| Selective Insurance | 1 | $83 | $501 |
| Safety Insurance | 1 | $57 | $345 |
| Redpoint Insurance | 1 | $70 | $418 |
| Pioneer State Mutual | 1 | $75 | $448 |
| PEMCO | 1 | $57 | $340 |
| Oregon Mutual Insurance | 1 | $42 | $254 |
| Oklahoma Farm Bureau | 1 | $85 | $509 |
| North Carolina Farm Bureau | 1 | $61 | $369 |
| Nodak Insurance | 1 | $25 | $151 |
| National General | 1 | $232 | $1,390 |
| NYCM Insurance | 1 | $52 | $309 |
| NJM | 1 | $69 | $415 |
| Missouri Farm Bureau | 1 | $37 | $224 |
| Michigan Farm Bureau | 1 | $77 | $463 |
| Louisiana Farm Bureau | 1 | $135 | $812 |
| Kentucky Farm Bureau | 1 | $68 | $409 |
| Island Insurance | 1 | $46 | $278 |
| Indiana Farmers Insurance | 1 | $39 | $236 |
| Indiana Farm Bureau | 1 | $55 | $328 |
| Idaho Farm Bureau | 1 | $43 | $257 |
| IMT Insurance | 1 | $23 | $138 |
| Grinnell Mutual | 1 | $58 | $348 |
| Grange Insurance | 1 | $27 | $163 |
| Farm Bureau Insurance of Tennessee | 1 | $35 | $208 |
| Co-operative Insurance Companies | 1 | $19 | $115 |
| Cincinnati Insurance | 1 | $41 | $245 |
| Arbella Insurance | 1 | $78 | $467 |
| American National | 1 | $18 | $110 |
| Alfa Insurance | 1 | $83 | $496 |
| AFR Insurance | 1 | $49 | $293 |
Cheapest liability-only car insurance for owners of low-value vehicles
If you drive a low-value vehicle, finding the cheapest liability-only car insurance policy can help lower your transportation costs. For many low-value vehicles, State Farm offers the best rates.
The table below shows the cost of a monthly and annual car insurance policy for low-value vehicle makes/models.
| Make and model | Company | Annual cost | Monthly cost |
|---|---|---|---|
| Chevrolet TrailBlazer | Allstate | $2,780 | $232 |
| Chevrolet TrailBlazer | Farmers | $2,527 | $211 |
| Chevrolet TrailBlazer | Geico | $1,697 | $141 |
| Chevrolet TrailBlazer | Nationwide | $1,698 | $142 |
| Chevrolet TrailBlazer | Progressive | $1,768 | $147 |
| Chevrolet TrailBlazer | State Farm | $1,675 | $140 |
| Chevrolet Trax | Allstate | $2,697 | $225 |
| Chevrolet Trax | Farmers | $2,506 | $209 |
| Chevrolet Trax | Geico | $1,656 | $138 |
| Chevrolet Trax | Nationwide | $2,037 | $170 |
| Chevrolet Trax | Progressive | $2,004 | $167 |
| Chevrolet Trax | State Farm | $1,809 | $151 |
| Hyundai Venue | Allstate | $2,435 | $203 |
| Hyundai Venue | Farmers | $2,645 | $220 |
| Hyundai Venue | Geico | $1,713 | $143 |
| Hyundai Venue | Nationwide | $1,687 | $141 |
| Hyundai Venue | Progressive | $1,874 | $156 |
| Hyundai Venue | State Farm | $1,754 | $146 |
| Kia Soul | Allstate | $2,871 | $239 |
| Kia Soul | Farmers | $2,591 | $216 |
| Kia Soul | Geico | $1,892 | $158 |
| Kia Soul | Nationwide | $1,974 | $165 |
| Kia Soul | Progressive | $2,031 | $169 |
| Kia Soul | State Farm | $1,772 | $148 |
| Nissan Kicks | Allstate | $2,916 | $243 |
| Nissan Kicks | Farmers | $2,803 | $234 |
| Nissan Kicks | Geico | $1,829 | $152 |
| Nissan Kicks | Nationwide | $1,943 | $162 |
| Nissan Kicks | Progressive | $2,335 | $195 |
| Nissan Kicks | State Farm | $1,709 | $142 |
| Nissan Sentra | Allstate | $2,834 | $236 |
| Nissan Sentra | Farmers | $3,010 | $251 |
| Nissan Sentra | Geico | $1,843 | $154 |
| Nissan Sentra | Nationwide | $2,210 | $184 |
| Nissan Sentra | Progressive | $2,269 | $189 |
| Nissan Sentra | State Farm | $2,087 | $174 |
| Nissan Versa | Allstate | $2,779 | $232 |
| Nissan Versa | Farmers | $2,937 | $245 |
| Nissan Versa | Geico | $1,755 | $146 |
| Nissan Versa | Nationwide | $2,199 | $183 |
| Nissan Versa | Progressive | $2,184 | $182 |
| Nissan Versa | State Farm | $1,844 | $154 |
| Toyota Corolla Cross Hybrid | Allstate | $2,923 | $244 |
| Toyota Corolla Cross Hybrid | Farmers | $2,880 | $240 |
| Toyota Corolla Cross Hybrid | Geico | $1,746 | $146 |
| Toyota Corolla Cross Hybrid | Nationwide | $1,982 | $165 |
| Toyota Corolla Cross Hybrid | Progressive | $1,886 | $157 |
| Toyota Corolla Cross Hybrid | State Farm | $2,004 | $167 |
Liability-only vs. full coverage car insurance cost
Liability-only coverage tends to be significantly cheaper than full coverage car insurance. That’s because full coverage includes liability, as well as collision and comprehensive coverages. Collision coverage helps pay for repairs or replacement of your vehicle if it’s damaged in an accident with another car or object, regardless of fault. Comprehensive coverage pays for vehicle damage caused by non-collision events, such as theft, fire, hail, or vandalism.
The table below compares average company rates for liability-only and full coverage policies.
| Company | Average annual liability only cost | Average annual full coverage cost |
|---|---|---|
| GEICO | $619 | $2,148 |
| Travelers | $807 | $2,103 |
| Progressive | $846 | $2,675 |
| Nationwide | $945 | $2,463 |
| State Farm | $969 | $2,874 |
| Allstate | $1,114 | $3,205 |
| Farmers | $1,193 | $3,085 |
| USAA* | $463 | $1,572 |
Note: USAA is only available to military community members and their families
Final thoughts
Liability-only car insurance offers the baseline protection you need to drive legally in most states. Although this type of policy keeps your insurance costs low, you won’t receive help from the insurer to repair or replace your own vehicle after an accident you cause.
As you explore your liability-only car insurance options, shop around to find the most affordable rates for your situation.
~Sarah Sharkey contributed to this story
Frequently Asked Questions: Liability car insurance
What does liability-only car insurance cover?
Liability-only car insurance only covers damages and injuries you cause to others during an incident. This type of coverage won’t pay for the repair or replacement of your own vehicle after an accident you caused or injuries to your passengers.
Is liability-only car insurance cheaper than full coverage insurance?
Liability-only auto insurance tends to be cheaper than full coverage insurance. Liability-only auto insurance doesn’t include comprehensive and collision insurance. Although you’ll have less help from an insurer after an accident, you’ll enjoy lower premiums.
How much liability coverage should I buy?
Every state except New Hampshire requires a minimum amount of liability coverage. However, most drivers should purchase liability coverage with limits of 100/300/100.
Is it safe to choose the cheapest car insurance policy?
Not always. A very cheap policy may meet state minimums but leave you financially exposed after an accident. Choose a reputable insurer with strong AM Best financial ratings and consider coverage that protects both you and your car — not just the legal minimum.
What discounts can help me get cheaper car insurance?
Most major insurers offer discounts for:
- Safe driving (accident-free)
- Bundling multiple policies
- Paying in full or automatically
- Owning a home
- Taking an approved defensive driving course
- Installing anti-theft or telematics devices
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