Liability-only car insurance is the most budget-friendly way to legally drive, as it takes care of damages and legal fees if you’re involved in an accident. The cost of liability insurance can differ quite a bit based on factors like your age, driving history, credit score, and location. This article will explain about the best providers for cheapest liability insurance.

1. West Bend Mutual

West Bend Mutual is a great choice for those looking for affordable liability-only car insurance, offering an average rate of just $34 per month for a 35-year-old driver with good credit and a clean driving record.

This rate is approximately 45% lower than what you’d find as the national average. West Bend Mutual available in 14 states, such as Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, North Carolina, Ohio, Tennessee, Virginia, and Wisconsin.

2. USAA

USAA is the perfect insurance company for military members, veterans, and their families. It provides liability-only coverage at a friendly average rate of $36 per month, or $432 per year, which is 41% lower than the national average.

USAA is accessible in all 50 states, but it’s exclusively for those with military affiliation. USAA offers some great rates for seniors, starting at just $46 per month for drivers aged 75 and older. The company is well-regarded for its excellent customer service and solid financial stability.

3. GEICO

GEICO is a great choice for many people, providing cheapest liability insurancecoverage at an average of $43 per month for adults. GEICO offers some of the most affordable rates in several states, including Alabama, Alaska, Arizona, California, Florida, and Georgia.

Monthly rates varying from $27 to $51 based on the state. GEICO offers great options for young drivers and those with less-than-perfect credit. Rates for teens begin at just $119 per month, while drivers with bad credit can find rates starting at $70 per month.

4. Erie Insurance

Erie Insurance is recognized for its fantastic customer service and budget-friendly rates, with liability-only coverage typically averaging $44 per month for adults and $50 per month for seniors. Erie can be found in 12 states along with Washington, D.C.

For teen drivers, Erie offers the lowest rates at $119 per month. Erie’s Rate Lock feature lets policyholders steer clear of rate increases unless they make major policy changes, helping to keep costs steady and predictable over time.

5. Travelers

Travelers is a strong option for seniors and those looking for cheapest liability insurance in certain states. You can find liability-only coverage at rates as low as $39–$41 a month in states such as Arkansas and Delaware.

Travelers is well-known for its IntelliDrivePlus program, which offers discounts to safe and low-mileage drivers. Travelers may not always be the lowest in price, but it’s a trustworthy option for budget-friendly liability insurance, particularly for older drivers.

In conclusion, choosing cheapest liability insurance is a smart choice to safeguard yourself from financial risks while driving, all without breaking the bank. The cost of liability coverage can differ quite a bit depending on factors such as age, driving history, and location, but there are affordable options out there for almost every driver profile.

Source:
1. https://www.businessinsider.com/personal-finance/auto-insurance/best-cheap-liability-car-insurance
2. https://www.marketwatch.com/insurance-services/auto-insurance/cheapest-liability-car-insurance/