Cheapest Motor Liability Insurance: 2022 Guide

A liability-only auto insurance policy is the cheapest coverage you can buy. However, it usually only provides the minimum coverage required by state law. In this article, the Home Media review team will show you which major providers offer the cheapest car liability insurance on average. We’ll also explore the average costs of liability insurance by state and how liability coverage compares to comprehensive insurance.

When looking for cheap car insurance, we recommend getting quotes from the best car insurance companies in the sector. It helps to compare car insurance quotes to find the best possible rates.

Cheapest auto liability insurance

If you want cheap car insuranceyou may want to consider purchasing liability-only coverage that meets your state’s minimum auto insurance requirements.

We’ve researched the cheapest car insurance companies and the states that tend to have the most affordable liability insurance. The estimates in the sections below are based on a 35-year-old married driver with good credit and a good driving record.

Which companies offer the cheapest auto liability insurance?

Based on our research, USAA generally offers the cheapest liability coverage on average, at $28 per month Where $333 per year. The cheapest auto liability insurance often comes from Automobile Owners Insurance, which charges on average $29 per month Where $349 per year.

*USAA is only available to active duty military personnel, veterans, and their immediate family members.

Cheapest auto liability insurance by state

By our estimates, the state with the cheapest auto liability insurance is Vermont. The average cost of a liability-only insurance policy in Green Mountain State is generally $23 per month Where $282 per year. Michigan has the most expensive liability insurance, with rates that tend to average $133 per month Where $1,604 per year.

What is auto liability insurance?

Motor vehicle liability insurance covers the cost of property damage and bodily injury to another party if you are found guilty of a car accident. Your insurer reimburses the cost of repairs to someone else’s vehicle or the cost of medical expenses if the other party is injured.

Each state sets its own legally required minimum coverage, which usually includes some form of liability insurance. Virginia and New Hampshire are the only exceptions, as neither state requires motorists to have car insurance.

Motor vehicle liability insurance

Coverage amounts for liability insurance are indicated by three digits. Each number represents one type of the following liability coverage types:

  • Personal injury liability (BI) per person: This covers medical bills, lost wages and expenses related to pain and suffering.
  • Civil liability per accident: This is the maximum amount of bodily expenses that the insurance company will pay per accident.
  • Liability Damage to Property (PD) by accident: This covers damage to vehicles and other property, as well as any cleanup costs associated with the accident. If you are sued, it also helps with court costs.

An example of a liability insurance policy might be 25/50/25, which would mean you would have $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident and $25,000 of liability coverage for property damage per accident.

What does auto liability insurance not cover?

Motor vehicle liability insurance does not cover damage to your vehicle or costs related to your injuries. Collision insurance covers the cost of repairing your car. Coverage of medical payments (MedPay) or Bodily Injury Protection (PIP insurance) covers your medical expenses.

If you are not responsible for the accident, you and your insurance company will not be liable for property damage or the other person’s injuries.

Automobile Liability Insurance vs Comprehensive Automobile Insurance

A comprehensive insurance policy typically includes state required liability limits as well as collision and full coverage. Some comprehensive insurance policies may also include uninsured motorist coverage (UM) because some states require it.

Factors That Affect Car Insurance Rates

When calculating car insurance quotes, insurance companies look at several factors to estimate what you will pay.

Here are a few things that have a major influence on your auto insurance rates:

  • Location: Drivers in areas with high rates of theft, vandalism and car accidents tend to pay more for car insurance.
  • Age: Insurers view young drivers as a higher risk than more experienced drivers, which is why young drivers insurance usually costs more.
  • Driving record: If you have a good driving history, you’ll likely pay less for insurance. Drivers with speeding tickets or impaired driving convictions often pay significantly more for coverage.
  • credit history: Insurers consider drivers with higher credit scores less likely to file claims than those with poor credit, so drivers with good credit pay lower insurance premiums in most states. .
  • Genre: Women tend to have fewer accidents and commit fewer traffic violations than men, so they often pay less for coverage in most states.
  • Marital status: Married drivers have an easier time finding cheap car insurance than single drivers, as they are considered safer and more financially stable drivers.
  • vehicle details: Insurers charge higher rates for cars that are more expensive, cost more to repair after an accident, and are more likely to be stolen. A vehicle’s safety record also plays a role in determining insurance costs.
  • Cover options: Your auto insurance rates depend on the type of auto insurance you purchase, the amount of coverage you purchase, and the deductible you select.

To find more affordable auto insurance, you can work to boost your credit score and avoid traffic violations. We also recommend that you ask your supplier about the car insurance discount. Some providers offer discounts to good drivers or policyholders who bundle their auto insurance with home or renter’s insurance.

Cheapest auto liability insurance: conclusion

The cheapest auto liability insurance is usually the minimum level of coverage required by your state for you to drive legally. Each state sets its own requirements, so the cost of liability insurance varies from state to state.

Cheapest Motor Liability Insurance: Recommended Providers

If you are considering purchasing a liability-only auto insurance policy, we recommend that you review the policies offered by USAA and Erie Insurance.

USAA: reduced rates for the military

In researching the best insurance companies in the country, we found that USAA consistently offers some of the lowest auto insurance rates available. In addition to having the cheapest liability coverage on average, USAA offers a wide range of coverage options that include accident forgiveness and classic car insurance.

The USAA also holds a A++ rating from AM Best as well as a An evaluation from the Better Business Bureau, which showcases its financial strength and credibility as a company. Keep in mind that USAA coverage is only available to active duty military personnel, veterans, and their immediate family members.

Read more: USAA Insurance Review

Compare: USAA vs. Geico

Erie Insurance: Affordable for Basic Coverage

If you live in Washington, DC, or any of the 12 states served by Erie, this may be the right choice for cheap car insurance. The company is known for its affordable rates, charging an average of 28% less for liability and comprehensive coverage than the national average.

In addition to inexpensive liability coverage, Erie offers a comprehensive list of coverage options and many optional add-ons. The supplier has a Financial strength rating A+ by AM Best and a A+ of the BBB.

Read more: Erie Insurance Review

Cheapest auto liability insurance: FAQ

Below are frequently asked questions about the cheapest auto liability insurance.

Our Methodology

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best car insurance companies. We’ve collected data on dozens of car insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage (30% of total score): Companies that offer a variety of insurance coverage choices are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, industry expert ratings, and years in business to assign this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and fewer eligibility criteria scored higher in this category.
  • Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by JD Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own customer analysis.

*Data correct at time of publication.