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Cheapest liability-only car insurance in 2024
Liability-only insurance is the cheapest option for drivers. Find out how to lock in the most affordable option for your situation. Skip to article
Written by:
Sarah Sharkey
Contributing Researcher
Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal finance publications including Money Under 30 and The College Investor.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
When shopping for the cheapest liability car insurance, the right company for you varies based on several factors. Insurers consider a range of information, including your driving record and location, when determining rates. While the best way to find the cheapest liability-only car insurance is to shop around, it’s helpful to start by looking at the insurance companies consistently offering the lowest rates.
We explore some of the cheapest liability car insurance options to help you start your search.
Key Highlights
Geico and USAA tend to offer drivers the cheapest liability-only car insurance.
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.
Written by:
Sarah Sharkey
Contributing Researcher
Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal finance publications including Money Under 30 and The College Investor.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Who offers the cheapest liability-only car insurance in 2024?
On average, USAA offered the cheapest liability-only car insurance rates in 2024. However, only drivers with a qualifying military connection can work with USAA. When USAA is removed from the picture, Geico offers the lowest average annual costs.
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
$560
Travelers
$646
State Farm
$651
Nationwide
$651
Progressive
$709
Allstate
$854
Farmers
$991
USAA*
$435
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.
Cheapest liability-only auto insurance annual rates by state
State
Company
50/100/50 BI/PD
100/300/100 BI/PD
Alaska
Allstate
$405
$536
Alaska
State Farm
$461
$560
Alaska
Geico
$477
$573
Alaska
Western National Insurance
$503
$631
Alaska
Progressive
$865
$1,067
Alaska
USAA*
$335
$383
Alabama
Country Financial
$475
$571
Alabama
State Farm
$511
$652
Alabama
Geico
$523
$635
Alabama
Travelers
$558
$629
Alabama
Nationwide
$617
$649
Alabama
Auto-Owners
$618
$658
Alabama
Progressive
$718
$956
Alabama
Allstate
$752
$853
Alabama
Farmers
$1,186
$1,450
Alabama
USAA*
$431
$523
Arkansas
Geico
$383
$444
Arkansas
State Farm
$520
$612
Arkansas
Shelter Insurance
$531
$599
Arkansas
Southern Farm Bureau
$546
$602
Arkansas
Travelers
$566
$616
Arkansas
Nationwide
$590
$582
Arkansas
Progressive
$718
$915
Arkansas
Allstate
$785
$855
Arkansas
Alfa Insurance
$898
$919
Arkansas
Farmers
$908
$1,035
Arkansas
USAA*
$320
$369
Arizona
Auto-Owners
$520
$572
Arizona
Geico
$538
$650
Arizona
Travelers
$649
$728
Arizona
Nationwide
$805
$841
Arizona
State Farm
$850
$1,030
Arizona
Progressive
$866
$987
Arizona
Allstate
$940
$1,193
Arizona
Farmers
$1,210
$1,425
Arizona
USAA*
$507
$590
California
Geico
$591
$694
California
CSAA Insurance (AAA)
$627
$692
California
Progressive
$637
$727
California
Mercury Insurance
$766
$871
California
Kemper
$803
$874
California
State Farm
$900
$1,044
California
Travelers
$954
$1,029
California
Auto Club Enterprises (AAA)
$974
$1,200
California
Allstate
$1,104
$1,234
California
Nationwide
$1,123
$1,271
California
Farmers
$1,280
$1,504
California
USAA*
$653
$738
Colorado
Geico
$347
$469
Colorado
Southern Farm Bureau
$441
$537
Colorado
State Farm
$538
$642
Colorado
Kemper
$593
$720
Colorado
Progressive
$675
$843
Colorado
Auto-Owners
$688
$852
Colorado
Acuity Insurance
$781
$908
Colorado
Allstate
$1,062
$1,258
Colorado
Farmers
$1,744
$2,093
Colorado
USAA*
$427
$491
Connecticut
Geico
$463
$576
Connecticut
Kemper
$658
$732
Connecticut
State Farm
$718
$807
Connecticut
Allstate
$831
$940
Connecticut
Amica
$854
$981
Connecticut
Nationwide
$867
$924
Connecticut
Farmers
$929
$1,024
Connecticut
Progressive
$940
$1,031
Washington, D.C.
Geico
$458
$503
Washington, D.C.
Chubb
$490
$604
Washington, D.C.
Erie Insurance
$628
$652
Washington, D.C.
Progressive
$729
$777
Washington, D.C.
State Farm
$849
$951
Washington, D.C.
Nationwide
$1,286
$1,431
Washington, D.C.
Allstate
$1,337
$1,506
Washington, D.C.
USAA*
$506
$566
Delaware
Travelers
$688
$732
Delaware
Geico
$792
$939
Delaware
Nationwide
$828
$883
Delaware
State Farm
$991
$1,118
Delaware
Progressive
$1,188
$1,329
Delaware
American Family
$1,306
$1,547
Delaware
Donegal Insurance
$1,446
$1,423
Delaware
Allstate
$1,574
$1,730
Delaware
USAA*
$702
$818
Florida
Travelers
$1,150
$1,371
Florida
State Farm
$1,170
$1,419
Florida
Geico
$1,238
$1,539
Florida
Nationwide
$1,384
$1,587
Florida
Farmers
$1,716
$1,912
Florida
Allstate
$1,835
$2,139
Florida
National General
$1,912
$2,197
Florida
Mercury Insurance
$2,007
$2,309
Florida
Progressive
$2,045
$2,328
Florida
UAIC
$2,150
$2,209
Georgia
Auto-Owners
$497
$591
Georgia
Central Insurance
$631
$766
Georgia
Progressive
$745
$937
Georgia
Geico
$754
$1,004
Georgia
Country Financial
$819
$940
Georgia
Mercury Insurance
$835
$1,006
Georgia
Allstate
$837
$930
Georgia
State Farm
$975
$1,172
Georgia
Safeway Insurance
$1,159
$1,195
Georgia
USAA*
$698
$808
Hawaii
Geico
$432
$487
Hawaii
Island Insurance
$556
$596
Hawaii
Farmers
$572
$610
Hawaii
State Farm
$674
$753
Hawaii
Allstate
$702
$815
Hawaii
Progressive
$726
$849
Hawaii
USAA*
$347
$395
Iowa
Auto-Owners
$219
$239
Iowa
West Bend Insurance Company
$230
$254
Iowa
IMT Insurance
$244
$256
Iowa
Progressive
$249
$294
Iowa
State Farm
$258
$296
Iowa
Iowa Farm Bureau
$304
$344
Iowa
Geico
$325
$393
Iowa
Travelers
$369
$400
Iowa
Grinnell Mutual
$468
$524
Iowa
Allstate
$591
$650
Iowa
USAA*
$264
$314
Idaho
Auto-Owners
$252
$271
Idaho
Geico
$257
$305
Idaho
State Farm
$322
$383
Idaho
Travelers
$405
$442
Idaho
Idaho Farm Bureau
$423
$501
Idaho
Allstate
$517
$534
Idaho
Farmers
$579
$655
Idaho
Nationwide
$690
$702
Idaho
Sentry Insurance
$748
$948
Idaho
USAA*
$209
$236
Illinois
Erie Insurance
$360
$408
Illinois
Auto-Owners
$365
$389
Illinois
Country Financial
$366
$444
Illinois
Geico
$372
$436
Illinois
Auto Club Group – ACG (AAA)
$450
$460
Illinois
Travelers
$468
$516
Illinois
State Farm
$482
$554
Illinois
Progressive
$588
$637
Illinois
Allstate
$724
$834
Illinois
USAA*
$543
$611
Indiana
Auto-Owners
$306
$329
Indiana
Geico
$313
$364
Indiana
Indiana Farmers Insurance
$430
$480
Indiana
Travelers
$431
$480
Indiana
State Farm
$442
$512
Indiana
Progressive
$455
$510
Indiana
Indiana Farm Bureau
$573
$634
Indiana
Nationwide
$576
$601
Indiana
Allstate
$784
$882
Indiana
Farmers
$938
$1,033
Indiana
USAA*
$231
$258
Kansas
Geico
$296
$340
Kansas
Nationwide
$383
$379
Kansas
State Farm
$388
$447
Kansas
Iowa Farm Bureau
$393
$442
Kansas
Travelers
$423
$449
Kansas
Progressive
$520
$621
Kansas
Shelter Insurance
$585
$657
Kansas
Farmers
$674
$799
Kansas
Allstate
$824
$902
Kansas
USAA*
$252
$284
Kentucky
Kentucky Farm Bureau
$522
$682
Kentucky
Auto-Owners
$713
$772
Kentucky
Travelers
$732
$818
Kentucky
Geico
$798
$1,099
Kentucky
Shelter Insurance
$802
$951
Kentucky
State Farm
$953
$1,165
Kentucky
Progressive
$1,043
$1,216
Kentucky
Allstate
$1,161
$1,354
Kentucky
Farmers
$1,355
$1,418
Kentucky
USAA*
$668
$757
Louisiana
Southern Farm Bureau
$916
$1,144
Louisiana
Louisiana Farm Bureau
$1,148
$1,358
Louisiana
Geico
$1,164
$1,471
Louisiana
Safeway Insurance
$1,302
$1,345
Louisiana
Progressive
$1,309
$1,772
Louisiana
State Farm
$1,525
$1,975
Louisiana
Farmers
$1,526
$1,545
Louisiana
Auto Club Enterprises (AAA)
$1,752
$2,157
Louisiana
USAA*
$956
$1,174
Massachusetts
State Farm
$273
$315
Massachusetts
Plymouth Rock Assurance
$452
$501
Massachusetts
Geico
$559
$604
Massachusetts
Safety Insurance
$576
$621
Massachusetts
Farmers
$683
$733
Massachusetts
Amica
$785
$853
Massachusetts
Arbella Insurance
$799
$863
Massachusetts
Allstate
$865
$956
Massachusetts
Travelers
$881
$969
Massachusetts
Progressive
$888
$931
Massachusetts
USAA*
$456
$499
Maryland
Geico
$465
$521
Maryland
Erie Insurance
$660
$711
Maryland
Nationwide
$715
$722
Maryland
Travelers
$715
$801
Maryland
Kemper
$779
$846
Maryland
Penn National Insurance
$827
$926
Maryland
State Farm
$839
$943
Maryland
Progressive
$875
$931
Maryland
Allstate
$1,299
$1,408
Maryland
USAA*
$418
$472
Maine
Auto-Owners
$230
$258
Maine
Frankenmuth Insurance
$317
$372
Maine
Farmers
$322
$352
Maine
Geico
$323
$378
Maine
Travelers
$332
$367
Maine
State Farm
$342
$405
Maine
MMG Insurance
$383
$451
Maine
Allstate
$458
$504
Maine
Progressive
$461
$512
Maine
USAA*
$237
$268
Michigan
Travelers
$394
$429
Michigan
Auto-Owners
$491
$555
Michigan
Auto Club Group – ACG (AAA)
$548
$589
Michigan
Geico
$638
$707
Michigan
Pioneer State Mutual
$668
$702
Michigan
Frankenmuth Insurance
$760
$797
Michigan
Progressive
$829
$848
Michigan
Michigan Farm Bureau
$865
$910
Michigan
State Farm
$1,450
$1,527
Michigan
USAA*
$379
$407
Minnesota
Auto-Owners
$383
$401
Minnesota
North Star Mutual
$420
$457
Minnesota
State Farm
$421
$471
Minnesota
Auto Club Group – ACG (AAA)
$553
$481
Minnesota
Geico
$554
$634
Minnesota
Travelers
$579
$606
Minnesota
Western National Insurance
$581
$644
Minnesota
Allstate
$618
$696
Minnesota
Nationwide
$629
$608
Minnesota
USAA*
$375
$410
Missouri
Missouri Farm Bureau
$349
$374
Missouri
Progressive
$479
$587
Missouri
Nationwide
$518
$530
Missouri
State Farm
$521
$632
Missouri
Travelers
$525
$583
Missouri
Shelter Insurance
$593
$675
Missouri
Auto Club Enterprises (AAA)
$835
$985
Missouri
Allstate
$896
$1,027
Missouri
Geico
$931
$1,113
Missouri
USAA*
$262
$305
Mississippi
State Farm
$517
$693
Mississippi
Southern Farm Bureau
$540
$616
Mississippi
Nationwide
$563
$627
Mississippi
Progressive
$564
$681
Mississippi
Geico
$622
$726
Mississippi
Travelers
$632
$712
Mississippi
Safeway Insurance
$691
$708
Mississippi
Allstate
$895
$1,017
Mississippi
Shelter Insurance
$939
$1,081
Mississippi
USAA*
$422
$500
Montana
Nationwide
$351
$444
Montana
State Farm
$390
$534
Montana
Geico
$402
$532
Montana
Progressive
$506
$613
Montana
Kemper
$585
$585
Montana
Allstate
$731
$811
Montana
Farmers
$1,169
$1,450
Montana
USAA*
$181
$216
North Carolina
Erie Insurance
$345
$386
North Carolina
State Farm
$370
$442
North Carolina
North Carolina Farm Bureau
$380
$452
North Carolina
Nationwide
$405
$409
North Carolina
Geico
$539
$615
North Carolina
Penn National Insurance
$547
$634
North Carolina
Farmers
$588
$682
North Carolina
Progressive
$588
$682
North Carolina
Allstate
$737
$840
North Carolina
Utica National Insurance Group
$768
$881
North Dakota
American Family
$177
$176
North Dakota
Nodak Insurance
$267
$301
North Dakota
Geico
$285
$308
North Dakota
North Star Mutual
$300
$325
North Dakota
Auto-Owners
$317
$335
North Dakota
State Farm
$348
$382
North Dakota
Nationwide
$351
$353
North Dakota
Progressive
$417
$442
North Dakota
Farmers
$638
$676
North Dakota
Allstate
$793
$858
North Dakota
USAA*
$176
$190
Nebraska
Geico
$272
$308
Nebraska
Auto-Owners
$283
$303
Nebraska
Farmers Mutual of Nebraska
$301
$322
Nebraska
Progressive
$321
$392
Nebraska
Nationwide
$330
$352
Nebraska
Shelter Insurance
$402
$456
Nebraska
Iowa Farm Bureau
$406
$449
Nebraska
State Farm
$469
$549
Nebraska
Allstate
$658
$733
Nebraska
USAA*
$277
$326
New Hampshire
The Hanover
$227
$289
New Hampshire
Auto-Owners
$255
$286
New Hampshire
MMG Insurance
$255
$266
New Hampshire
State Farm
$349
$387
New Hampshire
Geico
$395
$451
New Hampshire
Progressive
$434
$461
New Hampshire
Farmers
$499
$520
New Hampshire
Nationwide
$626
$636
New Hampshire
Allstate
$857
$912
New Hampshire
USAA*
$259
$292
New Jersey
NJM
$560
$657
New Jersey
Plymouth Rock Assurance
$668
$742
New Jersey
Geico
$679
$786
New Jersey
Selective Insurance
$985
$1,088
New Jersey
Progressive
$993
$1,114
New Jersey
Allstate
$1,020
$1,131
New Jersey
Travelers
$1,043
$1,151
New Jersey
Farmers
$1,101
$1,107
New Jersey
State Farm
$1,186
$1,259
New Mexico
Central Insurance
$406
$529
New Mexico
State Farm
$512
$649
New Mexico
Progressive
$530
$665
New Mexico
Geico
$538
$655
New Mexico
Iowa Farm Bureau
$604
$683
New Mexico
Kemper
$763
$764
New Mexico
Nationwide
$765
$880
New Mexico
Allstate
$862
$952
New Mexico
Farmers
$1,226
$1,503
New Mexico
USAA*
$399
$467
Nevada
State Farm
$694
$876
Nevada
Geico
$791
$1,145
Nevada
Travelers
$926
$1,107
Nevada
Mercury Insurance
$1,018
$1,214
Nevada
Progressive
$1,071
$1,406
Nevada
CSAA Insurance (AAA)
$1,277
$1,460
Nevada
Allstate
$1,329
$1,371
Nevada
American Family
$1,459
$1,524
Nevada
Farmers
$1,555
$1,699
Nevada
USAA*
$758
$940
New York
Progressive
$467
$533
New York
NYCM Insurance
$475
$515
New York
Geico
$668
$754
New York
Erie Insurance
$689
$747
New York
Allstate
$961
$1,022
New York
Chubb
$964
$1,094
New York
State Farm
$1,005
$1,094
New York
The Hanover
$1,170
$1,334
New York
Travelers
$1,467
$1,594
New York
USAA*
$630
$693
Ohio
Grange Insurance
$248
$297
Ohio
Erie Insurance
$273
$302
Ohio
Auto-Owners
$289
$324
Ohio
Westfield Insurance
$385
$442
Ohio
Travelers
$467
$512
Ohio
Cincinnati Insurance
$483
$543
Ohio
Geico
$532
$612
Ohio
Progressive
$533
$580
Ohio
Allstate
$651
$708
Ohio
Farmers
$771
$900
Ohio
USAA*
$271
$310
Oklahoma
Progressive
$372
$459
Oklahoma
State Farm
$500
$671
Oklahoma
AFR Insurance
$545
$638
Oklahoma
Geico
$562
$733
Oklahoma
Mercury Insurance
$564
$690
Oklahoma
Shelter Insurance
$686
$810
Oklahoma
Allstate
$879
$1,044
Oklahoma
Oklahoma Farm Bureau
$934
$1,068
Oklahoma
Farmers
$1,133
$1,372
Oklahoma
USAA*
$408
$482
Oregon
Oregon Mutual Insurance
$497
$542
Oregon
Country Financial
$532
$598
Oregon
Travelers
$585
$649
Oregon
State Farm
$616
$724
Oregon
Geico
$624
$727
Oregon
Progressive
$723
$815
Oregon
Nationwide
$782
$776
Oregon
Farmers
$1,121
$1,329
Oregon
Allstate
$1,131
$1,230
Oregon
USAA*
$495
$550
Pennsylvania
Travelers
$340
$381
Pennsylvania
Donegal Insurance
$346
$391
Pennsylvania
Erie Insurance
$354
$405
Pennsylvania
Nationwide
$404
$429
Pennsylvania
Westfield Insurance
$433
$483
Pennsylvania
State Farm
$578
$668
Pennsylvania
Geico
$587
$745
Pennsylvania
Progressive
$775
$879
Pennsylvania
Allstate
$823
$897
Pennsylvania
USAA*
$415
$479
Rhode Island
State Farm
$455
$525
Rhode Island
American Family
$666
$751
Rhode Island
Amica
$710
$795
Rhode Island
Geico
$825
$941
Rhode Island
Travelers
$831
$904
Rhode Island
Progressive
$955
$1,086
Rhode Island
Farmers
$975
$1,145
Rhode Island
Nationwide
$1,079
$1,120
Rhode Island
Allstate
$1,203
$1,390
Rhode Island
USAA*
$421
$460
South Carolina
Auto-Owners
$566
$641
South Carolina
Progressive
$748
$946
South Carolina
Geico
$779
$970
South Carolina
Allstate
$803
$951
South Carolina
State Farm
$863
$1,020
South Carolina
Southern Farm Bureau
$915
$1,101
South Carolina
Travelers
$984
$1,153
South Carolina
Sentry Insurance
$2,516
$2,970
South Carolina
USAA*
$611
$742
South Dakota
Auto-Owners
$260
$291
South Dakota
Farmers Mutual of Nebraska
$260
$286
South Dakota
Geico
$269
$347
South Dakota
North Star Mutual
$285
$315
South Dakota
Nationwide
$305
$326
South Dakota
State Farm
$329
$373
South Dakota
Progressive
$372
$446
South Dakota
Iowa Farm Bureau
$403
$445
South Dakota
Allstate
$484
$523
South Dakota
Farmers
$516
$584
South Dakota
USAA*
$229
$271
Tennessee
Farm Bureau Insurance of Tennessee
$352
$416
Tennessee
Erie Insurance
$395
$440
Tennessee
Geico
$409
$486
Tennessee
State Farm
$425
$490
Tennessee
Travelers
$486
$546
Tennessee
Progressive
$663
$710
Tennessee
Nationwide
$725
$750
Tennessee
Farmers
$753
$881
Tennessee
Allstate
$885
$1,000
Tennessee
USAA*
$375
$427
Texas
Texas Farm Bureau
$462
$528
Texas
State Farm
$624
$723
Texas
Geico
$650
$781
Texas
Nationwide
$748
$778
Texas
Auto Club Enterprises (AAA)
$825
$942
Texas
Allstate
$843
$1,015
Texas
Redpoint Insurance
$905
$922
Texas
Progressive
$977
$1,184
Texas
Farmers
$1,543
$1,870
Texas
USAA*
$602
$701
Utah
Nationwide
$507
$544
Utah
Geico
$552
$673
Utah
Auto-Owners
$554
$624
Utah
Iowa Farm Bureau
$729
$873
Utah
Progressive
$745
$901
Utah
State Farm
$781
$926
Utah
Allstate
$914
$1,082
Utah
United Insurance Co
$1,036
$1,124
Utah
Farmers
$1,288
$1,524
Utah
USAA*
$450
$504
Virginia
Virginia Farm Bureau
$357
$392
Virginia
Erie Insurance
$371
$421
Virginia
Travelers
$419
$477
Virginia
State Farm
$441
$539
Virginia
Geico
$448
$547
Virginia
Auto-Owners
$480
$503
Virginia
Progressive
$656
$722
Virginia
Allstate
$734
$804
Virginia
USAA*
$390
$439
Vermont
Allstate
$257
$292
Vermont
Auto-Owners
$264
$292
Vermont
Vermont Mutual
$301
$305
Vermont
State Farm
$308
$359
Vermont
Geico
$317
$355
Vermont
Progressive
$373
$445
Vermont
Nationwide
$381
$401
Vermont
Co-operative Insurance Companies
$399
$479
Vermont
Farmers
$456
$448
Vermont
USAA*
$184
$206
Washington
PEMCO
$351
$400
Washington
Geico
$473
$529
Washington
Travelers
$713
$781
Washington
State Farm
$741
$854
Washington
Nationwide
$792
$851
Washington
Farmers
$868
$1,019
Washington
Allstate
$927
$1,020
Washington
Progressive
$947
$1,105
Washington
American Family
$1,109
$1,176
Washington
USAA*
$387
$442
Wisconsin
Erie Insurance
$241
$274
Wisconsin
Geico
$250
$286
Wisconsin
West Bend Insurance Company
$320
$344
Wisconsin
Nationwide
$346
$370
Wisconsin
Acuity Insurance
$352
$387
Wisconsin
Travelers
$372
$402
Wisconsin
Progressive
$433
$525
Wisconsin
State Farm
$519
$594
Wisconsin
Farmers
$782
$1,030
Wisconsin
Allstate
$816
$894
Wisconsin
USAA*
$249
$276
West Virginia
Erie Insurance
$440
$513
West Virginia
Westfield Insurance
$443
$533
West Virginia
Nationwide
$455
$513
West Virginia
State Farm
$463
$564
West Virginia
Geico
$678
$808
West Virginia
Farmers
$716
$782
West Virginia
Progressive
$757
$882
West Virginia
Allstate
$837
$914
West Virginia
Encova Insurance
$913
$1,060
West Virginia
USAA*
$325
$394
Wyoming
Geico
$203
$221
Wyoming
American National
$221
$239
Wyoming
State Farm
$297
$340
Wyoming
Farmers
$419
$465
Wyoming
Allstate
$658
$694
Wyoming
USAA*
$190
$213
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 qualifying military experience 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, leading to falling car insurance premiums.
The table below highlights the cheapest average liability-only car insurance companies by age.
Cheapest liability-only car insurance by age
Age
Company
Annual rates
Monthly rates
16
Geico
$2,058
$172
16
State Farm
$2,223
$185
16
Travelers
$2,505
$209
16
Nationwide
$2,576
$215
16
Progressive
$3,172
$264
16
Allstate
$3,619
$302
16
Farmers
$4,875
$406
16
USAA*
$1,984
$165
17
Geico
$1,723
$144
17
Travelers
$1,947
$162
17
State Farm
$1,955
$163
17
Nationwide
$2,382
$199
17
Allstate
$2,751
$229
17
Progressive
$2,756
$230
17
Farmers
$3,791
$316
17
USAA*
$1,414
$118
18
Geico
$1,475
$123
18
Travelers
$1,603
$134
18
State Farm
$1,725
$144
18
Allstate
$2,154
$180
18
Nationwide
$2,191
$183
18
Progressive
$2,352
$196
18
Farmers
$3,314
$276
18
USAA*
$1,192
$99
19
Geico
$1,165
$97
19
Travelers
$1,275
$106
19
State Farm
$1,446
$120
19
Progressive
$1,552
$129
19
Allstate
$1,598
$133
19
Nationwide
$1,748
$146
19
Farmers
$2,117
$176
19
USAA*
$919
$77
20
Geico
$1,039
$87
20
Travelers
$1,127
$94
20
State Farm
$1,288
$107
20
Progressive
$1,373
$114
20
Allstate
$1,404
$117
20
Nationwide
$1,517
$126
20
Farmers
$1,882
$157
20
USAA*
$833
$69
21
Geico
$825
$69
21
Travelers
$941
$78
21
Nationwide
$1,068
$89
21
State Farm
$1,097
$91
21
Progressive
$1,112
$93
21
Allstate
$1,169
$97
21
Farmers
$1,455
$121
21
USAA*
$657
$55
22
Geico
$763
$64
22
Travelers
$875
$73
22
Nationwide
$953
$79
22
State Farm
$1,004
$84
22
Progressive
$1,029
$86
22
Allstate
$1,088
$91
22
Farmers
$1,355
$113
22
USAA*
$617
$51
23
Geico
$717
$60
23
Travelers
$824
$69
23
Nationwide
$888
$74
23
State Farm
$904
$75
23
Progressive
$937
$78
23
Allstate
$1,025
$85
23
Farmers
$1,246
$104
23
USAA*
$584
$49
24
Geico
$683
$57
24
Travelers
$783
$65
24
State Farm
$829
$69
24
Nationwide
$840
$70
24
Progressive
$872
$73
24
Allstate
$973
$81
24
Farmers
$1,195
$100
24
USAA*
$558
$47
25
Geico
$627
$52
25
Travelers
$701
$58
25
State Farm
$743
$62
25
Nationwide
$764
$64
25
Progressive
$780
$65
25
Allstate
$921
$77
25
Farmers
$1,045
$87
25
USAA*
$522
$44
30
Geico
$563
$47
30
State Farm
$657
$55
30
Travelers
$674
$56
30
Nationwide
$676
$56
30
Progressive
$730
$61
30
Allstate
$872
$73
30
Farmers
$989
$82
30
USAA*
$458
$38
35
Geico
$559
$47
35
State Farm
$648
$54
35
Nationwide
$662
$55
35
Travelers
$672
$56
35
Progressive
$720
$60
35
Allstate
$861
$72
35
Farmers
$978
$82
35
USAA*
$445
$37
40
Geico
$560
$47
40
Travelers
$646
$54
40
Nationwide
$651
$54
40
State Farm
$651
$54
40
Progressive
$709
$59
40
Allstate
$854
$71
40
Farmers
$991
$83
40
USAA*
$435
$36
45
Geico
$565
$47
45
Nationwide
$639
$53
45
Travelers
$642
$53
45
State Farm
$651
$54
45
Progressive
$703
$59
45
Allstate
$848
$71
45
Farmers
$983
$82
45
USAA*
$428
$36
50
Geico
$555
$46
50
Nationwide
$622
$52
50
Travelers
$632
$53
50
State Farm
$638
$53
50
Progressive
$670
$56
50
Allstate
$828
$69
50
Farmers
$939
$78
50
USAA*
$421
$35
55
Geico
$555
$46
55
Nationwide
$603
$50
55
Travelers
$605
$50
55
State Farm
$622
$52
55
Progressive
$656
$55
55
Allstate
$814
$68
55
Farmers
$898
$75
55
USAA*
$418
$35
60
Geico
$559
$47
60
Nationwide
$600
$50
60
Travelers
$608
$51
60
State Farm
$609
$51
60
Progressive
$657
$55
60
Allstate
$822
$68
60
Farmers
$877
$73
60
USAA*
$421
$35
65
Geico
$565
$47
65
State Farm
$603
$50
65
Nationwide
$618
$52
65
Travelers
$642
$54
65
Progressive
$684
$57
65
Allstate
$847
$71
65
Farmers
$964
$80
65
USAA*
$443
$37
70
Geico
$614
$51
70
State Farm
$630
$53
70
Nationwide
$659
$55
70
Travelers
$681
$57
70
Progressive
$734
$61
70
Allstate
$880
$73
70
Farmers
$1,022
$85
70
USAA*
$488
$41
75
Geico
$675
$56
75
State Farm
$690
$58
75
Nationwide
$720
$60
75
Travelers
$750
$62
75
Progressive
$819
$68
75
Allstate
$981
$82
75
Farmers
$1,082
$90
75
USAA*
$549
$46
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.
How much does liability-only car insurance cost, on average?
Liability-only car insurance with limits of 50/100/50 costs an average of $649 per year or $54 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 USAA, which both offer policies for an average of $47 and $36 per month, respectively.
Other cheap car insurance companies that offer liability-only car insurance for less than $60 per month include Travelers, Nationwide, State Farm, and Progressive.
The table below highlights the average monthly cost of liability car insurance with limits of 50/100/50 from national carriers.
Average monthly cost of liability-only car insurance from national carriers.
Company
Average monthly cost
Geico
$47
Travelers
$54
Nationwide
$54
State Farm
$54
Progressive
$59
Allstate
$71
Farmers
$83
USAA*
$36
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.
Average monthly cost of liability-only car insurance from national carriers.
Company
Average monthly cost
American National
$18
IMT Insurance
$20
Grange Insurance
$21
Nodak Insurance
$22
West Bend Insurance Company
$22
Farmers Mutual of Nebraska
$24
Vermont Mutual
$25
MMG Insurance
$28
Missouri Farm Bureau
$29
PEMCO
$29
Farm Bureau Insurance of Tennessee
$29
Virginia Farm Bureau
$30
North Star Mutual
$30
North Carolina Farm Bureau
$32
Donegal Insurance
$32
Co-operative Insurance Companies
$33
Auto-Owners
$34
Erie Insurance
$35
Westfield Insurance
$35
Idaho Farm Bureau
$35
Iowa Farm Bureau
$35
Indiana Farmers Insurance
$36
Acuity Insurance
$38
Texas Farm Bureau
$39
Grinnell Mutual
$39
NYCM Insurance
$40
Cincinnati Insurance
$40
Oregon Mutual Insurance
$41
Auto Club Group – ACG (AAA)
$42
Country Financial
$43
Kentucky Farm Bureau
$44
AFR Insurance
$45
Island Insurance
$46
Central Insurance
$47
NJM
$47
Western National Insurance
$47
Plymouth Rock Assurance
$47
Indiana Farm Bureau
$48
Safety Insurance
$48
Frankenmuth Insurance
$51
CSAA Insurance (AAA)
$52
Shelter Insurance
$53
Penn National Insurance
$54
Southern Farm Bureau
$55
Pioneer State Mutual
$56
Kemper
$61
Utica National Insurance Group
$64
Arbella Insurance
$67
Amica
$67
Michigan Farm Bureau
$72
American Family
$73
Alfa Insurance
$75
Redpoint Insurance
$75
Encova Insurance
$76
Oklahoma Farm Bureau
$78
Auto Club Enterprises (AAA)
$79
Chubb
$79
Mercury Insurance
$81
Selective Insurance
$82
The Hanover
$86
United Insurance Co
$86
Safeway Insurance
$92
Louisiana Farm Bureau
$96
Sentry Insurance
$140
National General
$159
UAIC
$179
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.
Annual and monthly rates for liability policies, by make/model and company
Make and model
Company
Average annual cost
Average monthly cost
Nissan Versa
Allstate
$1,111
$93
Nissan Versa
Farmers
$1,111
$93
Nissan Versa
Geico
$691
$58
Nissan Versa
Nationwide
$928
$77
Nissan Versa
Progressive
$950
$79
Nissan Versa
State Farm
$681
$57
Mitsubishi Mirage
Allstate
$1,098
$91
Mitsubishi Mirage
Farmers
$1,156
$96
Mitsubishi Mirage
Geico
$646
$54
Mitsubishi Mirage
Nationwide
$951
$79
Mitsubishi Mirage
Progressive
$973
$81
Mitsubishi Mirage
State Farm
$645
$54
Kia Forte
Allstate
$1,117
$93
Kia Forte
Farmers
$1,255
$105
Kia Forte
Geico
$668
$56
Kia Forte
Nationwide
$1,039
$87
Kia Forte
Progressive
$979
$82
Kia Forte
State Farm
$638
$53
Hyundai Venue
Allstate
$1,049
$87
Hyundai Venue
Farmers
$1,178
$98
Hyundai Venue
Geico
$688
$57
Hyundai Venue
Nationwide
$852
$71
Hyundai Venue
Progressive
$864
$72
Hyundai Venue
State Farm
$586
$49
Kia Soul
Allstate
$1,041
$87
Kia Soul
Farmers
$1,041
$87
Kia Soul
Geico
$633
$53
Kia Soul
Nationwide
$963
$80
Kia Soul
Progressive
$893
$74
Kia Soul
State Farm
$626
$52
Hyundai Elantra
Allstate
$1,097
$91
Hyundai Elantra
Farmers
$1,256
$105
Hyundai Elantra
Geico
$726
$60
Hyundai Elantra
Nationwide
$981
$82
Hyundai Elantra
Progressive
$942
$79
Hyundai Elantra
State Farm
$638
$53
Toyota Corolla
Allstate
$1,095
$91
Toyota Corolla
Farmers
$1,198
$100
Toyota Corolla
Geico
$648
$54
Toyota Corolla
Nationwide
$999
$83
Toyota Corolla
Progressive
$931
$78
Toyota Corolla
State Farm
$607
$51
Volkswagen Jetta
Allstate
$1,048
$87
Volkswagen Jetta
Farmers
$1,095
$91
Volkswagen Jetta
Geico
$711
$59
Volkswagen Jetta
Nationwide
$848
$71
Volkswagen Jetta
Progressive
$842
$70
Volkswagen Jetta
State Farm
$622
$52
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.
Annual rates by company for liability-only and full coverage car insurance policie
Company
Average annual cost for full coverage
Average annual cost for full coverage
Geico
$560
$1,763
Travelers
$646
$1,606
Nationwide
$651
$1,548
State Farm
$651
$1,984
Progressive
$709
$1,998
Allstate
$854
$2,509
Farmers
$991
$2,387
USAA*
$435
$1,381
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.
Frequently asked questions
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.
CarInsurance.com analyzed car insurance quotes for male and female drivers with liability policies with limits of 50/100/50.The study centered on Honda Accord LX drivers with clean driving records and good insurance scores.
Data were collected across 51 states and 34,588 ZIP codes, encompassing 75 companies. A total of 53,409,632 insurance quotes were examined, considering a daily commute of 12 miles and an annual mileage of 10,000 miles.
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Laura Longero
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