Cheapest Liability-Only Auto Insurance in 2025
The cheapest liability-only auto insurance starts at $45 per month with Geico. Erie and State Farm are also the best choices for drivers seeking affordable minimum liability coverage. These top companies beat the average cost of liability-only car insurance and offer up to 25% in multi-policy discounts.
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Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated December 2025
Geico, Erie, and State Farm offer the cheapest liability-only auto insurance, with rates starting at $45 per month. Erie and State Farm start at $48 and $52 per month.
- Geico offers the cheapest liability insurance in all 50 states
- Save up to 25% by bundling home and auto insurance
- Safe drivers get the best liability-only car insurance rates
These are the cheapest liability-only car insurance companies with consistently low rates across driver profiles, including age, credit score, and driving history.
With strong coverage and savings, these providers are top picks for drivers seeking liability-only policies that cost less than the average cost of auto insurance.
10 Best Companies: Cheapest Liability-Only Auto Insurance| Company | Rank | Monthly Rates | Claims Satisfaction | Best For |
|---|---|---|---|---|
 | #1 | $45 | 692 / 1,000 | Cheap Rates |
 | #2 | $48 | 733 / 1,000 | Low Credit |
 | #3 | $50 | 710 / 1,000 | Nationwide Access |
 | #4 | $52 | 692 / 1,000 | Paid-In-Full |
 | #5 | $53 | 684 / 1,000 | Safety Features |
 | #6 | $54 | 663 / 1,000 | Safe Drivers |
 | #7 | $55 | 691 / 1,000 | Agent Network |
 | #8 | $60 | 701 / 1,000 | Senior Drivers |
 | #9 | $62 | 706 / 1,000 | Group Discounts |
 | #10 | $65 | 717 / 1,000 | Flexible Options |
They offer rates below the average for liability-only car insurance, along with valuable discounts, including bundling, usage-based programs, and safe-driver incentives.
Enter your ZIP code to get liability auto insurance quotes specific to your area and vehicle needs.
Compare Liability-Only Car Insurance Rates
Geico, Erie, and State Farm offer the most budget-friendly liability-only auto insurance across all age groups.
Geico consistently offers the lowest liability-only auto insurance rates, starting at $135 per month for 18-year-olds and dropping to just $45 per month by age 45 (Read More: Allstate vs. Geico Auto Insurance Review).
Liability-Only Auto Insurance Monthly Rates by Age| Company | Age: 18 | Age: 25 | Age: 35 | Age: 45 |
|---|---|---|---|---|
| $165 | $100 | $75 | $55 |
| $156 | $95 | $72 | $52 |
| $144 | $88 | $67 | $48 |
| $186 | $115 | $85 | $62 |
| $135 | $85 | $63 | $45 |
| $195 | $120 | $90 | $65 |
| $162 | $100 | $71 | $54 |
| $150 | $93 | $70 | $50 |
| $180 | $110 | $82 | $60 |
| $159 | $98 | $73 | $53 |
Erie closely matches Geico’s competitive premiums, ranging from $144 per month at age 18 to $48 per month at age 45.
State Farm remains affordable, with monthly rates between $150 and $50, and Travelers and Auto-Owners are similarly cost-effective.
Liability-only auto insurance is a cheap option for teens and young drivers, with top companies charging less than $100 a month for drivers in their 20s.
Even with Liberty Mutual and Farmers, which are the most expensive with rates up to $195 and $186 per month for 18-year-olds, liability-only insurance is cheaper than full coverage if you’re trying to insure a teen driver.
Liability-Only Insurance Costs vs. Full Coverage
Multiple providers offer affordable monthly premiums for liability-only auto insurance, but Geico tops the list with the cheapest rates overall at $45 per month.
Geico and Erie are the only providers offering liability-only car insurance for under $50 a month. Erie costs $48 per month for liability-only for full.
Liability-Only vs. Full Coverage Auto Insurance Monthly Rates| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| $55 | $180 |
| $52 | $172 |
| $48 | $165 |
| $62 | $200 |
| $45 | $160 |
| $65 | $210 |
| $54 | $175 |
| $50 | $170 |
| $60 | $190 |
| $53 | $180 |
State Farm remains competitive at exactly $50 a month, and Auto-Owners and Travelers also provide low liability-only rates for only a few dollars more per month.
However, Erie and Geico are also the cheapest for full coverage auto insurance at $160 and $165 per month. Travelers jumps to $180 a month, while State Farm and Auto-Owners are closer to $170 monthly.
Liability-only is cheaper because it covers others, not your vehicle. Full coverage adds protection but raises your premium. You can drop full coverage on older cars to cut costs.
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Geico, Erie, Auto-Owners, and State Farm offer lower premiums but may not have the additional perks that Farmers or Liberty Mutual offer.
Liberty Mutual and Farmers are pricier, showing how factors that affect the cost of liability-only car insurance vary with each company. Always compare multiple companies and quotes before you buy liability-only insurance.
How Driving History Affects Liability-Only Rates
Geico, Erie, and State Farm are the cheapest liability-only insurance companies for high-risk drivers with accidents or DUIs.
Among all providers, the most budget-friendly liability-only auto insurance rates are offered by Geico, which only increases rates by $40 a month after a DUI.
Liability-Only Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $55 | $72 | $110 | $66 |
| $52 | $68 | $104 | $62 |
| $48 | $63 | $95 | $57 |
| $62 | $80 | $124 | $74 |
| $45 | $59 | $88 | $54 |
| $65 | $84 | $131 | $78 |
| $54 | $70 | $109 | $65 |
| $50 | $65 | $100 | $60 |
| $60 | $78 | $118 | $72 |
| $53 | $69 | $105 | $64 |
Erie is not far behind, with rates starting at $48 per month for clean records and $95 per month for a DUI, making it a top option for drivers seeking cheap auto insurance after a DUI.
A clean driving record will get you the cheapest liability insurance quotes. State Farm and Travelers offer solid value at $50 and $53 per month for clean records, but rates double to over $100 a month after a DUI.
Geico, Erie, and State Farm have the best liability-only auto insurance rates, no matter what your driving profile looks like.
Auto-Owners remains competitive at $68 per month after an accident and $104 monthly after a DUI.
Cheapest States for Liability-Only Car Insurance
The cheapest liability-only car insurance by state will vary, with drivers in the worst states for filing claims paying the highest premiums.
Auto insurance rates by state also vary by gender, with women generally paying less. For instance, in Iowa, men pay $60 per month while women pay $57 monthly.
Among the best auto insurance companies in Washington, men pay $95 and women $92 monthly. In Florida, the rates are $57 per month for men and $54 per month for women.
Insurance companies consider men more likely to file claims, especially in high-risk states. Compare liability car insurance rates by ZIP code to see costs in your area.
How Credit Score Impacts Liability-Only Insurance
Geico has the cheapest liability-only car insurance policies for drivers with low or poor credit.
Minimum liability coverage costs start as low as $45 per month for excellent credit scores, around $69 monthly for fair credit, and about $92 a month for poor credit.
Liability-Only Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (< 580) |
|---|---|---|---|---|
| $55 | $68 | $82 | $110 |
| $52 | $65 | $78 | $105 |
| $48 | $60 | $72 | $96 |
| $62 | $78 | $94 | $125 |
| $45 | $57 | $69 | $92 |
| $65 | $82 | $98 | $130 |
| $54 | $69 | $83 | $110 |
| $50 | $64 | $78 | $105 |
| $60 | $75 | $90 | $120 |
| $53 | $68 | $82 | $110 |
Erie, Auto-Owners, and State Farm are also top choices for the cheapest liability car insurance for drivers with bad credit, with rates ranging from $96 to $105 per month.
Most providers charge drivers with bad credit over $100 a month, and Liberty Mutual and Farmers charge up to $125 and $130 per month.
Overall, Geico, Erie, and Auto-Owners consistently deliver the most affordable liability-only auto insurance premiums per month across all credit score levels.
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Ways to Save on Liability-Only Car Insurance
There are several effective ways to save on liability-only auto insurance, including bundling your policy with home or renters insurance.
This can earn you up to 25% in multi-policy discounts from providers like Allstate, Erie, and Geico.
- Bundle Policies: Combine your auto insurance with other policies from the same insurer, such as home or renters insurance, to get multi-policy discounts.
- Choose a Higher Deductible: Going with a higher deductible can reduce your monthly payment, but you’ll be on the hook for more out-of-pocket if you file a claim.
- Improve Your Credit Score: In most states, a higher credit score can reduce your insurance costs, even for liability coverage car insurance.
- Maintain a Clean Driving Record: Drivers with no accidents, DUIs, or tickets often qualify for significantly lower monthly premiums.
- Take a Defensive Driving Course: Completing an approved course can qualify you for a discount, especially if you’re looking for cheap auto insurance for high-risk drivers.
Opting for a higher deductible is another way to lower your monthly rate, though it increases your out-of-pocket costs if you file a claim.
Additionally, completing a defensive driving course can lead to further savings, particularly for new or high-risk drivers.
If you have a clean driving record, you could earn safe driver discounts of up to 20% with companies like Farmers and Liberty Mutual.
Usage-based programs can offer discounts of up to 50% for safe driving, with Allstate and Mercury giving the biggest savings.
Top Auto Insurance Discounts by Savings Potential| Company | Multi- Policy | Safe Driver | Usage- Based | Vehicle Safety |
|---|---|---|---|---|
| 25% | 18% | 40% | 20% |
| 16% | 8% | 30% | 15% |
| 25% | 15% | 30% | 10% |
| 20% | 20% | 30% | 15% |
| 25% | 15% | 25% | 15% |
| 25% | 20% | 30% | 12% |
| 20% | 8% | 50% | 12% |
| 17% | 20% | 30% | 20% |
| 5% | 8% | 20% | 10% |
| 13% | 15% | 30% | 17% |
Discount amounts vary by insurer based on the type of driving habits they track, so read our guide to usage-based auto insurance to pick the right program.
Cars with safety features may also get up to 20% off. These include anti-lock brakes, airbags, and anti-theft systems, but check with your provider to see how to qualify.
The Cheapest Liability-Only Car Insurance
Geico and State Farm are the largest and most budget-friendly car insurance companies in the country, making up nearly half the market.
Their cheap liability-only auto insurance rates are part of why they’re the most popular, with coverage starting at $45 a month.
Allstate, Farmers, and Liberty Mutual are popular for providing more comprehensive auto insurance options, often at higher rates.
While these companies offer reliable service and discounts, comparing the cheapest liability-only auto insurance is still key to finding the best deal on coverage.
#1 – Geico: Top Overall Pick
Pros
- Lowest Liability Rate: Geico’s liability insurance costs a minimum of $45 per month, which is one of the cheapest liability car insurance options.
- Discount‑Friendly: Geico supports multi-policy and safe‑driver discounts, giving you extra opportunities to cut costs beyond the base rate. See our Geico insurance review for more.
- Simple Online Quotes: Getting a liability-only quote is easy and fast, which helps you compare and pick cheap liability-only auto insurance without hassle.
Cons
- Higher Risk Surcharges: Rates can increase quickly for drivers with DUIs, tickets, or poor credit, reducing its position as the cheapest liability-only auto insurance.
- Limited Local Agents: In‑person help is minimal, which may be inconvenient for customers seeking personal assistance with the cheapest liability-only auto insurance.
#2 – Erie: Best for Budget Drivers
Pros
- Fair Credit Pricing: Still relatively affordable with fair credit, at $72 a month for coverage on Erie’s liability-only policy. Discover details in our Erie insurance review.
- Budget‑Friendly Pick: Erie is our cheapest liability-only auto insurance pick for value shoppers, with rates from $48 to $96 a month based on credit and profile.
- Strong Discount Options: Erie provides safe-driver, multi-policy, and vehicle discounts to reduce already low liability-only car insurance rates.
Cons
- Limited Coverage Area: Erie still isn’t available in all 50 states, which won’t work for drivers who seek cheap liability car insurance but live outside of its service area.
- Fewer Digital Tools: Erie lacks advanced online tools, making it less convenient for comparing the cheapest liability-only auto insurance.
#3 – State Farm: Best for Nationwide Access
Pros
- Nationwide Reach: State Farm is available across nearly every U.S. state, ideal for those needing broad coverage with access to cheap liability-only auto insurance.
- Affordable Baseline: At just over $50 per month for liability-only coverage (for claim-free drivers), it makes a pretty accessible first step for budget-minded individuals.
- Multiple Discounts: Offers safe-driver, multi-policy, and bundling discounts to lower liability-only premiums. Find additional info in our State Farm auto insurance review.
Cons
- Less Cheapest Everywhere: Depending on the region, driving history, or credit, there may be cheaper liability-only alternatives than State Farm.
- Higher-Risk Penalty: Drivers with accidents or poor records can see sharp premium increases, making cheapest liability-only insurance less likely.
#4 – Auto-Owners: Best for Paid-In-Full
Pros
- Paid‑In‑Full Savings: Auto-Owners offers a paid-in-full discount, making it one of the most affordable options for liability-only auto insurance.
- Bundling Potential: Auto-Owners offers multi-policy bundles that help lower liability-only premiums. Learn more in our Auto-Owners insurance review.
- Stable Coverage: Auto-Owners has dependable claims service and stable rates while still being one of the least expensive liability-only car insurance companies.
Cons
- Higher DUI Costs: Rates rise to $104 per month after a DUI, lowering Auto-Owners’ position among the cheapest liability-only car insurance for high-risk drivers.
- Basic Add‑Ons: Optional coverages may be limited or cost more, raising overall costs versus cheaper liability-only providers with built-in benefits.
#5 – Travelers: Best for Safety Features
Pros
- Strong Safety Savings: Travelers offers solid safety discounts, lowering its $53 monthly rate for the cheapest liability-only auto insurance.
- Good Clean‑Record Rate: Drivers with a clean record can access Travelers’ $53 per month liability‑only premium, keeping it reasonably low compared to similar insurers.
- Reliable Policy Options: Travelers offers flexible plans and discounts for cheaper liability-only insurance. Get a complete view in our Travelers auto insurance review.
Cons
- Sensitive to Violations: Travelers’ monthly liability premiums can increase even with minor violations, making it harder to keep liability-only insurance affordable over time.
- DUI Penalties: With DUI liability rates climbing toward $105 per month, Travelers becomes far less aligned with cheap liability-only auto insurance options.
#6 – Mercury: Best for Safe Drivers
Pros
- Good for Low‑Risk Drivers: Mercury’s discount structure makes it a great pick for cheap liability-only auto insurance if you have a clean record and low annual mileage.
- Low Liability Price: Mercury’s liability-only insurance starts at $54 per month, making it a low-cost option. Find more quotes in our Mercury insurance review.
- Flexible Coverage Options: With liability-only coverage options, Mercury allows you to add coverages as your needs change.
Cons
- Modest Coverage Extras: Liability-only plans offer fewer features than full coverage and may lack upgrade-friendly benefits.
- Less Competitive for High Risk: Drivers with accidents, tickets, or poor credit may face steep rate hikes, reducing the appeal of Mercury as the cheapest liability-only option.
#7 – Allstate: Best for Agent Network
Pros
- Strong Agent Access: Allstate’s large agent network offers personal support while providing liability-only auto insurance for just $55 per month.
- Bundle Discount: Bundle auto and home or renters insurance to save beyond base liability rates. Read our Allstate insurance review for more.
- Brand Reliability: Allstate is one of the largest liability-only insurance companies and has an A+ A.M. Best rating for financial peace of mind.
Cons
- Potential Upsell Pressure: Agents may recommend add-ons or coverage upgrades, which can raise your cost above the advertised cheapest liability-only auto insurance rate.
- Not Lowest Rate: At $55 per month for a clean record, Allstate isn’t the cheapest; other insurers offer lower starting rates for liability-only auto insurance.
#8 – The Hartford: Best for Senior Drivers
Pros
- Senior Driver Discounts: The Hartford partners with AARP to give members over the age of 65 access to discounts and cheaper rates.
- Moderate Entry Price: The Hartford starts liability-only coverage at about $60 per month, making it a solid option among the cheaper liability-only auto insurance plans.
- Wide Coverage Network: The Hartford offers reliable liability-only auto insurance with broad support and multi-state access. See our The Hartford insurance review.
Cons
- Premium Cost Variability: Rate increases due to accidents, credit issues, or other risk factors mean it’s less predictable than the lowest-cost liability-only insurance plans.
- Not the Cheapest: It’s higher than some budget competitors, and it rarely ranks among the lowest-cost liability-only auto insurance options.
#9 – Farmers: Best for Group Discounts
Pros
- Group Discount Access: Farmers offers group discounts to help drivers save on the cheapest liability-only auto insurance.
- Policy Bundling Perks: With up to 20% off for bundling auto and home, Farmers makes it easier to reduce liability-only premiums when multiple policies are combined.
- Customizable Coverage: Farmers offers customizable liability-only coverage with budget-friendly pricing. Explore our Farmers insurance review.
Cons
- Higher Starting Rates: Farmers’ liability-only coverage starts at $62 per month, which is higher than competitors like Geico or Erie.
- Discounts Required to Compete: Without applying multiple discounts, Farmers is unlikely to offer the cheapest liability-only auto insurance for budget-focused drivers.
#10 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Coverage: Liberty Mutual provides liability-only rates as low as $65 per month, offering a flexible entry point for those seeking cheap liability-only auto insurance.
- Optional Add‑Ons: Liberty Mutual offers a variety of add‑on options to go from basic to broader coverage. Check out our Liberty Mutual insurance review for a full list.
- Customer Support: The company offers reliable claims service and customer support, providing peace of mind even with the cheapest liability-only auto insurance.
Cons
- Relatively Higher Cost: At $65 per month for liability-only, Liberty Mutual is more expensive than the cheapest liability-only car insurance options from some competitors.
- Mid‑Range Premiums for Poor Credit: Liability-only premiums rise significantly for lower credit scores compared to top cheap liability-only insurers.
Buying Liability-Only Insurance Coverage
The cheapest liability-only auto insurance offers strong value for budget-conscious drivers, with Geico, Erie, and State Farm providing rates as low as $45 per month.
The best car insurance companies offer low premiums across the country and for multiple drivers, including teens, senior drivers, and high-risk drivers with accidents or DUIs, with added savings from bundling and safe driving.
State Farm and Geico are known for affordability and accessibility, while Erie offers competitive rates but is limited to only 12 states.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.
Frequently Asked Questions
What is the cheapest liability-only car insurance?
The lowest you can pay for liability-only car insurance is around $45 per month with Geico, but rates vary based on your location, driving record, and credit score.
What is the average cost of liability-only car insurance?
The average cost of liability‑only car insurance is about $61 per month, though many drivers pay more or less depending on location, driving record, and credit.
What does a liability auto insurance policy cover?
Liability auto insurance covers damages and injuries you cause to others in an accident, including other drivers, passengers, pedestrians, and property owners, but it does not cover your own medical expenses or vehicle repairs.
Do speeding tickets affect liability-only insurance rates?
Violations like speeding tickets can raise liability-only insurance rates by 20% to 35%, depending on the insurer, state regulations, and your overall driving record, with higher-risk drivers often paying significantly more in monthly premiums. Enter your ZIP code in our free tool to start seeing quotes today.
How much does liability-only car insurance cost for 18-year-olds?
For drivers around 18 years old, rates can start as high as $135 per month, depending on the insurer and driving history.
Can I get cheap liability-only insurance with bad credit?
Yes, you can still find inexpensive liability-only insurance if you have poor credit. Insurers often consider credit scores when setting premiums, but comparing quotes, maintaining a clean driving record, and applying available discounts can help reduce your monthly cost.
What is the difference between liability-only and full coverage?
Liability-only insurance covers damage or injuries you cause to others, while full coverage adds protection for your vehicle through collision auto insurance and comprehensive coverage, making it more expensive but also more protective.
Does liability-only car insurance mean I’m fully covered?
No, liability-only policies cover only damages or injuries you cause to others; they do not cover your own vehicle’s damage, theft, or personal injury.
What are the risks of liability-only insurance?
The main risk of liability-only insurance is that it doesn’t cover damage to your own vehicle, which means you’ll be responsible for repair or replacement costs after an accident, theft, or natural disaster.
What does liability insurance not cover in an auto accident?
Liability insurance does not cover your own vehicle’s damage, personal injuries, or non-driving-related losses; it only pays for damage or injuries you cause to others in an at-fault accident, meaning you’ll need separate collision or personal injury protection to cover your own expenses.
Why do some states require coverages like PIP and UM/UIM with a minimum liability policy?
What are auto insurance liability coverage limits?
Do state requirements for liability-only insurance affect my premium?
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