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.
- 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.
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.
| 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.
| 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.
| 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.
| 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.
| 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.
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.
| 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.
Resources & Methodology
Sources
- Insurance Information Institute “How to save money on car insurance.” Accessed November 2024.
- 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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs