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.
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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.
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Reviewed by:
Laura Longero
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Executive Editor
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.
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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:

CompanyAverage 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
AlaskaAllstate$405$536
AlaskaState Farm$461$560
AlaskaGeico$477$573
AlaskaWestern National  Insurance$503$631 
AlaskaProgressive$865$1,067
AlaskaUSAA*$335$383
AlabamaCountry  Financial$475$571
AlabamaState Farm$511$652
AlabamaGeico$523$635
AlabamaTravelers$558$629
AlabamaNationwide$617$649
AlabamaAuto-Owners$618$658
AlabamaProgressive$718$956
AlabamaAllstate$752$853
AlabamaFarmers$1,186$1,450
AlabamaUSAA*$431$523
ArkansasGeico$383$444
ArkansasState Farm$520$612
ArkansasShelter  Insurance$531$599
ArkansasSouthern Farm  Bureau$546$602
ArkansasTravelers$566$616
ArkansasNationwide$590$582
ArkansasProgressive$718$915
ArkansasAllstate$785$855
ArkansasAlfa Insurance$898$919
ArkansasFarmers$908$1,035
ArkansasUSAA*$320$369
ArizonaAuto-Owners$520$572
ArizonaGeico$538$650
ArizonaTravelers$649$728
ArizonaNationwide$805$841
ArizonaState Farm$850$1,030
ArizonaProgressive$866$987
ArizonaAllstate$940$1,193
ArizonaFarmers$1,210$1,425
ArizonaUSAA*$507$590
CaliforniaGeico$591$694
CaliforniaCSAA Insurance  (AAA)$627$692
CaliforniaProgressive$637$727
CaliforniaMercury  Insurance$766$871
CaliforniaKemper$803$874
CaliforniaState Farm$900$1,044
CaliforniaTravelers$954$1,029
CaliforniaAuto Club  Enterprises (AAA)$974$1,200
CaliforniaAllstate$1,104$1,234
CaliforniaNationwide$1,123$1,271
CaliforniaFarmers$1,280$1,504
CaliforniaUSAA*$653$738
ColoradoGeico$347$469
ColoradoSouthern Farm  Bureau$441$537
ColoradoState Farm$538$642
ColoradoKemper$593$720
ColoradoProgressive$675$843
ColoradoAuto-Owners$688$852
ColoradoAcuity Insurance$781$908
ColoradoAllstate$1,062$1,258
ColoradoFarmers$1,744$2,093
ColoradoUSAA*$427$491
ConnecticutGeico$463$576
ConnecticutKemper$658$732
ConnecticutState Farm$718$807
ConnecticutAllstate$831$940
ConnecticutAmica$854$981
ConnecticutNationwide$867$924
ConnecticutFarmers$929$1,024
ConnecticutProgressive$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
DelawareTravelers$688$732
DelawareGeico$792$939
DelawareNationwide$828$883
DelawareState Farm$991$1,118
DelawareProgressive$1,188$1,329
DelawareAmerican Family$1,306$1,547
DelawareDonegal  Insurance$1,446$1,423
DelawareAllstate$1,574$1,730
DelawareUSAA*$702$818
FloridaTravelers$1,150$1,371
FloridaState Farm$1,170$1,419
FloridaGeico$1,238$1,539
FloridaNationwide$1,384$1,587
FloridaFarmers$1,716$1,912
FloridaAllstate$1,835$2,139
FloridaNational General$1,912$2,197
FloridaMercury  Insurance$2,007$2,309
FloridaProgressive$2,045$2,328
FloridaUAIC$2,150$2,209
GeorgiaAuto-Owners$497$591
GeorgiaCentral  Insurance$631$766
GeorgiaProgressive$745$937
GeorgiaGeico$754$1,004
GeorgiaCountry  Financial$819$940
GeorgiaMercury  Insurance$835$1,006
GeorgiaAllstate$837$930
GeorgiaState Farm$975$1,172
GeorgiaSafeway  Insurance$1,159$1,195
GeorgiaUSAA*$698$808
HawaiiGeico$432$487
HawaiiIsland Insurance$556$596
HawaiiFarmers$572$610
HawaiiState Farm$674$753
HawaiiAllstate$702$815
HawaiiProgressive$726$849
HawaiiUSAA*$347$395
IowaAuto-Owners$219$239
IowaWest Bend  Insurance Company$230$254
IowaIMT Insurance$244$256
IowaProgressive$249$294
IowaState Farm$258$296
IowaIowa Farm Bureau$304$344
IowaGeico$325$393
IowaTravelers$369$400
IowaGrinnell Mutual$468$524
IowaAllstate$591$650
IowaUSAA*$264$314
IdahoAuto-Owners$252$271
IdahoGeico$257$305
IdahoState Farm$322$383
IdahoTravelers$405$442
IdahoIdaho Farm  Bureau$423$501
IdahoAllstate$517$534
IdahoFarmers$579$655
IdahoNationwide$690$702
IdahoSentry Insurance$748$948
IdahoUSAA*$209$236
IllinoisErie Insurance$360$408
IllinoisAuto-Owners$365$389
IllinoisCountry  Financial$366$444
IllinoisGeico$372$436
IllinoisAuto Club Group  – ACG (AAA)$450$460
IllinoisTravelers$468$516
IllinoisState Farm$482$554
IllinoisProgressive$588$637
IllinoisAllstate$724$834
IllinoisUSAA*$543$611
IndianaAuto-Owners$306$329
IndianaGeico$313$364
IndianaIndiana Farmers  Insurance$430$480
IndianaTravelers$431$480
IndianaState Farm$442$512
IndianaProgressive$455$510
IndianaIndiana Farm  Bureau$573$634
IndianaNationwide$576$601
IndianaAllstate$784$882
IndianaFarmers$938$1,033
IndianaUSAA*$231$258
KansasGeico$296$340
KansasNationwide$383$379
KansasState Farm$388$447
KansasIowa Farm Bureau$393$442
KansasTravelers$423$449
KansasProgressive$520$621
KansasShelter  Insurance$585$657
KansasFarmers$674$799
KansasAllstate$824$902
KansasUSAA*$252$284
KentuckyKentucky Farm  Bureau$522$682
KentuckyAuto-Owners$713$772
KentuckyTravelers$732$818
KentuckyGeico$798$1,099
KentuckyShelter  Insurance$802$951
KentuckyState Farm$953$1,165
KentuckyProgressive$1,043$1,216
KentuckyAllstate$1,161$1,354
KentuckyFarmers$1,355$1,418
KentuckyUSAA*$668$757
LouisianaSouthern Farm  Bureau$916$1,144
LouisianaLouisiana Farm  Bureau$1,148$1,358
LouisianaGeico$1,164$1,471
LouisianaSafeway  Insurance$1,302$1,345
LouisianaProgressive$1,309$1,772
LouisianaState Farm$1,525$1,975
LouisianaFarmers$1,526$1,545
LouisianaAuto Club  Enterprises (AAA)$1,752$2,157
LouisianaUSAA*$956$1,174
MassachusettsState Farm$273$315
MassachusettsPlymouth Rock  Assurance$452$501
MassachusettsGeico$559$604
MassachusettsSafety Insurance$576$621
MassachusettsFarmers$683$733
MassachusettsAmica$785$853
MassachusettsArbella  Insurance$799$863
MassachusettsAllstate$865$956
MassachusettsTravelers$881$969
MassachusettsProgressive$888$931
MassachusettsUSAA*$456$499
MarylandGeico$465$521
MarylandErie Insurance$660$711
MarylandNationwide$715$722
MarylandTravelers$715$801
MarylandKemper$779$846
MarylandPenn National  Insurance$827$926
MarylandState Farm$839$943
MarylandProgressive$875$931
MarylandAllstate$1,299$1,408
MarylandUSAA*$418$472
MaineAuto-Owners$230$258
MaineFrankenmuth  Insurance$317$372
MaineFarmers$322$352
MaineGeico$323$378
MaineTravelers$332$367
MaineState Farm$342$405
MaineMMG Insurance$383$451
MaineAllstate$458$504
MaineProgressive$461$512
MaineUSAA*$237$268
MichiganTravelers$394$429
MichiganAuto-Owners$491$555
MichiganAuto Club Group  – ACG (AAA)$548$589
MichiganGeico$638$707
MichiganPioneer State  Mutual$668$702
MichiganFrankenmuth  Insurance$760$797
MichiganProgressive$829$848
MichiganMichigan Farm  Bureau$865$910
MichiganState Farm$1,450$1,527
MichiganUSAA*$379$407
MinnesotaAuto-Owners$383$401
MinnesotaNorth Star  Mutual$420$457
MinnesotaState Farm$421$471
MinnesotaAuto Club Group  – ACG (AAA)$553$481
MinnesotaGeico$554$634
MinnesotaTravelers$579$606
MinnesotaWestern National  Insurance$581$644
MinnesotaAllstate$618$696
MinnesotaNationwide$629$608
MinnesotaUSAA*$375$410
MissouriMissouri Farm  Bureau$349$374
MissouriProgressive$479$587
MissouriNationwide$518$530
MissouriState Farm$521$632
MissouriTravelers$525$583
MissouriShelter  Insurance$593$675
MissouriAuto Club  Enterprises (AAA)$835$985
MissouriAllstate$896$1,027
MissouriGeico$931$1,113
MissouriUSAA*$262$305
MississippiState Farm$517$693
MississippiSouthern Farm  Bureau$540$616
MississippiNationwide$563$627
MississippiProgressive$564$681
MississippiGeico$622$726
MississippiTravelers$632$712
MississippiSafeway  Insurance$691$708
MississippiAllstate$895$1,017
MississippiShelter  Insurance$939$1,081
MississippiUSAA*$422$500
MontanaNationwide$351$444
MontanaState Farm$390$534
MontanaGeico$402$532
MontanaProgressive$506$613
MontanaKemper$585$585
MontanaAllstate$731$811
MontanaFarmers$1,169$1,450
MontanaUSAA*$181$216
North  CarolinaErie Insurance$345$386
North  CarolinaState Farm$370$442
North  CarolinaNorth Carolina  Farm Bureau$380$452
North  CarolinaNationwide$405$409
North  CarolinaGeico$539$615
North  CarolinaPenn National  Insurance$547$634
North  CarolinaFarmers$588$682
North  CarolinaProgressive$588$682
North  CarolinaAllstate$737$840
North  CarolinaUtica National  Insurance Group$768$881
North  DakotaAmerican Family$177$176
North  DakotaNodak Insurance$267$301
North  DakotaGeico$285$308
North  DakotaNorth Star  Mutual$300$325
North  DakotaAuto-Owners$317$335
North  DakotaState Farm$348$382
North  DakotaNationwide$351$353
North  DakotaProgressive$417$442
North  DakotaFarmers$638$676
North  DakotaAllstate$793$858
North  DakotaUSAA*$176$190
NebraskaGeico$272$308
NebraskaAuto-Owners$283$303
NebraskaFarmers Mutual  of Nebraska$301$322
NebraskaProgressive$321$392
NebraskaNationwide$330$352
NebraskaShelter  Insurance$402$456
NebraskaIowa Farm Bureau$406$449
NebraskaState Farm$469$549
NebraskaAllstate$658$733
NebraskaUSAA*$277$326
New  HampshireThe Hanover$227$289
New  HampshireAuto-Owners$255$286
New  HampshireMMG Insurance$255$266
New  HampshireState Farm$349$387
New  HampshireGeico$395$451
New  HampshireProgressive$434$461
New  HampshireFarmers$499$520
New  HampshireNationwide$626$636
New  HampshireAllstate$857$912
New  HampshireUSAA*$259$292
New  JerseyNJM$560$657
New  JerseyPlymouth Rock  Assurance$668$742
New  JerseyGeico$679$786
New  JerseySelective  Insurance$985$1,088
New  JerseyProgressive$993$1,114
New  JerseyAllstate$1,020$1,131
New  JerseyTravelers$1,043$1,151
New  JerseyFarmers$1,101$1,107
New  JerseyState Farm$1,186$1,259
New  MexicoCentral  Insurance$406$529
New  MexicoState Farm$512$649
New  MexicoProgressive$530$665
New  MexicoGeico$538$655
New  MexicoIowa Farm Bureau$604$683
New  MexicoKemper$763$764
New  MexicoNationwide$765$880
New  MexicoAllstate$862$952
New  MexicoFarmers$1,226$1,503
New  MexicoUSAA*$399$467
NevadaState Farm$694$876
NevadaGeico$791$1,145
NevadaTravelers$926$1,107
NevadaMercury  Insurance$1,018$1,214
NevadaProgressive$1,071$1,406
NevadaCSAA Insurance  (AAA)$1,277$1,460
NevadaAllstate$1,329$1,371
NevadaAmerican Family$1,459$1,524
NevadaFarmers$1,555$1,699
NevadaUSAA*$758$940
New  YorkProgressive$467$533
New  YorkNYCM Insurance$475$515
New  YorkGeico$668$754
New  YorkErie Insurance$689$747
New  YorkAllstate$961$1,022
New  YorkChubb$964$1,094
New  YorkState Farm$1,005$1,094
New  YorkThe Hanover$1,170$1,334
New  YorkTravelers$1,467$1,594
New  YorkUSAA*$630$693
OhioGrange Insurance$248$297
OhioErie Insurance$273$302
OhioAuto-Owners$289$324
OhioWestfield  Insurance$385$442
OhioTravelers$467$512
OhioCincinnati  Insurance$483$543
OhioGeico$532$612
OhioProgressive$533$580
OhioAllstate$651$708
OhioFarmers$771$900
OhioUSAA*$271$310
OklahomaProgressive$372$459
OklahomaState Farm$500$671
OklahomaAFR Insurance$545$638
OklahomaGeico$562$733
OklahomaMercury  Insurance$564$690
OklahomaShelter  Insurance$686$810
OklahomaAllstate$879$1,044
OklahomaOklahoma Farm  Bureau$934$1,068
OklahomaFarmers$1,133$1,372
OklahomaUSAA*$408$482
OregonOregon Mutual  Insurance$497$542
OregonCountry  Financial$532$598
OregonTravelers$585$649
OregonState Farm$616$724
OregonGeico$624$727
OregonProgressive$723$815
OregonNationwide$782$776
OregonFarmers$1,121$1,329
OregonAllstate$1,131$1,230
OregonUSAA*$495$550
PennsylvaniaTravelers$340$381
PennsylvaniaDonegal  Insurance$346$391
PennsylvaniaErie Insurance$354$405
PennsylvaniaNationwide$404$429
PennsylvaniaWestfield  Insurance$433$483
PennsylvaniaState Farm$578$668
PennsylvaniaGeico$587$745
PennsylvaniaProgressive$775$879
PennsylvaniaAllstate$823$897
PennsylvaniaUSAA*$415$479
Rhode  IslandState Farm$455$525
Rhode  IslandAmerican Family$666$751
Rhode  IslandAmica$710$795
Rhode  IslandGeico$825$941
Rhode  IslandTravelers$831$904
Rhode  IslandProgressive$955$1,086
Rhode  IslandFarmers$975$1,145
Rhode  IslandNationwide$1,079$1,120
Rhode  IslandAllstate$1,203$1,390
Rhode  IslandUSAA*$421$460
South  CarolinaAuto-Owners$566$641
South  CarolinaProgressive$748$946
South  CarolinaGeico$779$970
South  CarolinaAllstate$803$951
South  CarolinaState Farm$863$1,020
South  CarolinaSouthern Farm  Bureau$915$1,101
South  CarolinaTravelers$984$1,153
South  CarolinaSentry Insurance$2,516$2,970
South  CarolinaUSAA*$611$742
South  DakotaAuto-Owners$260$291
South  DakotaFarmers Mutual  of Nebraska$260$286
South  DakotaGeico$269$347
South  DakotaNorth Star  Mutual$285$315
South  DakotaNationwide$305$326
South  DakotaState Farm$329$373
South  DakotaProgressive$372$446
South  DakotaIowa Farm Bureau$403$445
South  DakotaAllstate$484$523
South  DakotaFarmers$516$584
South  DakotaUSAA*$229$271
TennesseeFarm Bureau  Insurance of Tennessee$352$416
TennesseeErie Insurance$395$440
TennesseeGeico$409$486
TennesseeState Farm$425$490
TennesseeTravelers$486$546
TennesseeProgressive$663$710
TennesseeNationwide$725$750
TennesseeFarmers$753$881
TennesseeAllstate$885$1,000
TennesseeUSAA*$375$427
TexasTexas Farm  Bureau$462$528
TexasState Farm$624$723
TexasGeico$650$781
TexasNationwide$748$778
TexasAuto Club  Enterprises (AAA)$825$942
TexasAllstate$843$1,015
TexasRedpoint  Insurance$905$922
TexasProgressive$977$1,184
TexasFarmers$1,543$1,870
TexasUSAA*$602$701
UtahNationwide$507$544
UtahGeico$552$673
UtahAuto-Owners$554$624
UtahIowa Farm Bureau$729$873
UtahProgressive$745$901
UtahState Farm$781$926
UtahAllstate$914$1,082
UtahUnited Insurance  Co$1,036$1,124
UtahFarmers$1,288$1,524
UtahUSAA*$450$504
VirginiaVirginia Farm  Bureau$357$392
VirginiaErie Insurance$371$421
VirginiaTravelers$419$477
VirginiaState Farm$441$539
VirginiaGeico$448$547
VirginiaAuto-Owners$480$503
VirginiaProgressive$656$722
VirginiaAllstate$734$804
VirginiaUSAA*$390$439
VermontAllstate$257$292
VermontAuto-Owners$264$292
VermontVermont Mutual$301$305
VermontState Farm$308$359
VermontGeico$317$355
VermontProgressive$373$445
VermontNationwide$381$401
VermontCo-operative  Insurance Companies$399$479
VermontFarmers$456$448
VermontUSAA*$184$206
WashingtonPEMCO$351$400
WashingtonGeico$473$529
WashingtonTravelers$713$781
WashingtonState Farm$741$854
WashingtonNationwide$792$851
WashingtonFarmers$868$1,019
WashingtonAllstate$927$1,020
WashingtonProgressive$947$1,105
WashingtonAmerican Family$1,109$1,176
WashingtonUSAA*$387$442
WisconsinErie Insurance$241$274
WisconsinGeico$250$286
WisconsinWest Bend  Insurance Company$320$344
WisconsinNationwide$346$370
WisconsinAcuity Insurance$352$387
WisconsinTravelers$372$402
WisconsinProgressive$433$525
WisconsinState Farm$519$594
WisconsinFarmers$782$1,030
WisconsinAllstate$816$894
WisconsinUSAA*$249$276
West  VirginiaErie Insurance$440$513
West  VirginiaWestfield  Insurance$443$533
West  VirginiaNationwide$455$513
West  VirginiaState Farm$463$564
West  VirginiaGeico$678$808
West  VirginiaFarmers$716$782
West  VirginiaProgressive$757$882
West  VirginiaAllstate$837$914
West  VirginiaEncova Insurance$913$1,060
West  VirginiaUSAA*$325$394
WyomingGeico$203$221
WyomingAmerican  National$221$239
WyomingState Farm$297$340
WyomingFarmers$419$465
WyomingAllstate$658$694
WyomingUSAA*$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
16Geico$2,058$172
16State Farm$2,223$185 
16Travelers$2,505$209
16Nationwide$2,576$215
16Progressive$3,172$264
16Allstate$3,619$302
16Farmers$4,875$406
16USAA*$1,984$165
17Geico$1,723$144
17Travelers$1,947$162
17State Farm$1,955$163
17Nationwide$2,382$199
17Allstate$2,751$229
17Progressive$2,756$230
17Farmers$3,791$316
17USAA*$1,414$118
18Geico$1,475$123
18Travelers$1,603$134
18State Farm$1,725$144
18Allstate$2,154$180
18Nationwide$2,191$183
18Progressive$2,352$196
18Farmers$3,314$276
18USAA*$1,192$99
19Geico$1,165$97
19Travelers$1,275$106
19State Farm$1,446$120
19Progressive$1,552$129
19Allstate$1,598$133
19Nationwide$1,748$146
19Farmers$2,117$176
19USAA*$919$77
20Geico$1,039$87
20Travelers$1,127$94
20State Farm$1,288$107
20Progressive$1,373$114
20Allstate$1,404$117
20Nationwide$1,517$126
20Farmers$1,882$157
20USAA*$833$69
21Geico$825$69
21Travelers$941$78
21Nationwide$1,068$89
21State Farm$1,097$91
21Progressive$1,112$93
21Allstate$1,169$97
21Farmers$1,455$121
21USAA*$657$55
22Geico$763$64
22Travelers$875$73
22Nationwide$953$79
22State Farm$1,004$84
22Progressive$1,029$86
22Allstate$1,088$91
22Farmers$1,355$113
22USAA*$617$51
23Geico$717$60
23Travelers$824$69
23Nationwide$888$74
23State Farm$904$75
23Progressive$937$78
23Allstate$1,025$85
23Farmers$1,246$104
23USAA*$584$49
24Geico$683$57
24Travelers$783$65
24State Farm$829$69
24Nationwide$840$70
24Progressive$872$73
24Allstate$973$81
24Farmers$1,195$100
24USAA*$558$47
25Geico$627$52
25Travelers$701$58
25State Farm$743$62
25Nationwide$764$64
25Progressive$780$65
25Allstate$921$77
25Farmers$1,045$87
25USAA*$522$44
30Geico$563$47
30State Farm$657$55
30Travelers$674$56
30Nationwide$676$56
30Progressive$730$61
30Allstate$872$73
30Farmers$989$82
30USAA*$458$38
35Geico$559$47
35State Farm$648$54
35Nationwide$662$55
35Travelers$672$56
35Progressive$720$60
35Allstate$861$72
35Farmers$978$82
35USAA*$445$37
40Geico$560$47
40Travelers$646$54
40Nationwide$651$54
40State Farm$651$54
40Progressive$709$59
40Allstate$854$71
40Farmers$991$83
40USAA*$435$36
45Geico$565$47
45Nationwide$639$53
45Travelers$642$53
45State Farm$651$54
45Progressive$703$59
45Allstate$848$71
45Farmers$983$82
45USAA*$428$36
50Geico$555$46
50Nationwide$622$52
50Travelers$632$53
50State Farm$638$53
50Progressive$670$56
50Allstate$828$69
50Farmers$939$78
50USAA*$421$35
55Geico$555$46
55Nationwide$603$50
55Travelers$605$50
55State Farm$622$52
55Progressive$656$55
55Allstate$814$68
55Farmers$898$75
55USAA*$418$35
60Geico$559$47
60Nationwide$600$50
60Travelers$608$51
60State Farm$609$51
60Progressive$657$55
60Allstate$822$68
60Farmers$877$73
60USAA*$421$35
65Geico$565$47
65State Farm$603$50
65Nationwide$618$52
65Travelers$642$54
65Progressive$684$57
65Allstate$847$71
65Farmers$964$80
65USAA*$443$37
70Geico$614$51
70State Farm$630$53
70Nationwide$659$55
70Travelers$681$57
70Progressive$734$61
70Allstate$880$73
70Farmers$1,022$85
70USAA*$488$41
75Geico$675$56
75State Farm$690$58
75Nationwide$720$60
75Travelers$750$62
75Progressive$819$68
75Allstate$981$82
75Farmers$1,082$90
75USAA*$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.
CompanyAverage 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 VersaAllstate$1,111$93
Nissan VersaFarmers$1,111$93
Nissan VersaGeico$691$58
Nissan VersaNationwide$928$77
Nissan VersaProgressive$950$79
Nissan VersaState Farm$681$57
Mitsubishi MirageAllstate$1,098$91
Mitsubishi MirageFarmers$1,156$96
Mitsubishi MirageGeico$646$54
Mitsubishi MirageNationwide$951$79
Mitsubishi MirageProgressive$973$81
Mitsubishi MirageState Farm$645$54
Kia ForteAllstate$1,117$93
Kia ForteFarmers$1,255$105
Kia ForteGeico$668$56
Kia ForteNationwide$1,039$87
Kia ForteProgressive$979$82
Kia ForteState Farm$638$53
Hyundai VenueAllstate$1,049$87
Hyundai VenueFarmers$1,178$98
Hyundai VenueGeico$688$57
Hyundai VenueNationwide$852$71
Hyundai VenueProgressive$864$72
Hyundai VenueState Farm$586$49
Kia SoulAllstate$1,041$87
Kia SoulFarmers$1,041$87
Kia SoulGeico$633$53
Kia SoulNationwide$963$80
Kia SoulProgressive$893$74
Kia SoulState Farm$626$52
Hyundai ElantraAllstate$1,097$91
Hyundai ElantraFarmers$1,256$105
Hyundai ElantraGeico$726$60
Hyundai ElantraNationwide$981$82
Hyundai ElantraProgressive$942$79
Hyundai ElantraState Farm$638$53
Toyota CorollaAllstate$1,095$91
Toyota CorollaFarmers$1,198$100
Toyota CorollaGeico$648$54
Toyota CorollaNationwide$999$83
Toyota CorollaProgressive$931$78
Toyota CorollaState Farm$607$51
Volkswagen JettaAllstate$1,048$87
Volkswagen JettaFarmers$1,095$91
Volkswagen JettaGeico$711$59
Volkswagen JettaNationwide$848$71
Volkswagen JettaProgressive$842$70
Volkswagen JettaState 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.

Check out a detailed comparison of liability and full coverage car insurance

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
CompanyAverage 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.

Resources & Methodology

Sources

  1. Insurance Information Institute “How to save money on car insurance.” Accessed November 2024. 
  2. Insurance Information Institute “How much auto coverage do I need?” Accessed November 2024. 

Methodology

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.

Laura Longero

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Laura Longero

Executive Editor

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.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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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.