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Liability car insurance costs an average of $671 per year nationally. The exact cost of a liability auto insurance policy varies based on several factors, including the state, insurance company, driver’s record, and amount of coverage purchased.
Liability Car Insurance Cost by Company
- Geico: $462 per year
- USAA: $487 per year
- Progressive: $549 per year
- Travelers: $639 per year
- State Farm: $718 per year
- Allstate: $781 per year
- Nationwide: $890 per year
- Farmers: $1,044 per year
- Liberty Mutual: $1,090 per year
These sample quotes reflect minimum coverage requirements in California for a 45-year-old driver. The best companies should generally stay the same from state to state, though.
On average, liability car insurance costs 51% less per year than full coverage insurance, which usually includes liability along with collision and comprehensive coverage. Liability car insurance only covers expenses incurred by other people in accidents where the policyholder is at fault. Nearly every state requires drivers to carry it, though most states require other types of coverage as well.
Liability Car Insurance Costs by Coverage Level
|Liability coverage limits||Average monthly cost|
How much liability car insurance you purchase will be the main factor that influences your premium. Each state has its own coverage requirements, which can vary widely. For example, Alaska requires drivers to purchase $100,000 in bodily injury liability coverage per accident, while Arizona only requires $30,000.
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