The best bodily injury liability car insurance is from Geico, Progressive, and USAA. Bodily injury liability car insurance is coverage that pays for injuries that you cause to other people in a car accident, and it’s required in most states. In addition to bodily injury coverage, liability insurance policies also include property damage coverage, which pays for other people’s vehicle repairs and general property damage.
Best Bodily Injury Liability Insurance Companies
- Geico: $506 per year
- Progressive: $649 per year
- USAA: $633 per year
- Travelers: $691 per year
- Esurance: $791 per year
- AAA: $795 per year
- The Hartford: $863 per year
- Liberty Mutual: $879 per year
The rates listed above are based on the average cost of car insurance policies that meet state-minimum requirements. Exact rates vary between states and drivers.
Best Bodily Injury Liability Insurance Companies
1. Geico
The best bodily injury liability car insurance is offered by Geico, based on its combination of low premiums and a WalletHub editor rating of 4.5 out of 5. In addition to affordable policies, Geico has an easy claims process, a strong customer service record, and a variety of coverage options for customers in all 50 states to choose from.
2. Progressive
Progressive’s bodily injury liability prices are competitive compared other national insurers, and it earned a WalletHub editor rating of 4.3 out of 5. Customers can also qualify for a variety of discounts to lower their premium, as well as purchase other types of polices in addition to their auto insurance, like home and life insurance.
3. USAA
USAA insurance is only available to military servicemembers, veterans, and their families. But for those who qualify, the company is one of the most affordable choices on the market for bodily injury liability insurance. In addition to competitive prices, USAA offers various coverage options for auto insurance customers, including accident forgiveness and extra passenger protection.
4. Travelers
Travelers is a great option overall for drivers looking for affordable liability insurance, and it earned a WalletHub editor rating of 3.8 out of 5. The company offers multiple discounts, an easy online claims process, and great coverage options for customers also looking for other types of insurance. Additionally, Travelers has generally positive customer reviews.
5. Esurance
Esurance offers some of the most affordable bodily injury liability insurance, making it a good choice for drivers looking for inexpensive coverage. However, the company sells policies exclusively online without agents, and it has a particularly high volume of customer complaints compared to competitors.
Best Bodily Injury Liability Insurance by State
The quotes above reflect each state’s minimum coverage requirements, which may include personal injury protection, uninsured/underinsured motorist insurance, or medical payments coverage in addition to both bodily injury and property damage liability insurance. For more information about these quotes, see the methodology section below.
Tips for Finding the Best Bodily Injury Liability Insurance
1. Shop Around
You should compare quotes from at least three different insurance companies before you purchase a policy in order to find the best deal. Even after you’ve bought coverage, it’s a good idea to shop around again when it’s time to renew your policy.
2. Choose the Right Amount of Coverage
The best limits for bodily injury liability insurance are equal to the total value of your assets, including your home equity and personal savings. It’s generally recommended that you get enough bodily injury liability insurance to cover your net worth in case you cause a massive accident. If your net worth is particularly high, then you should consider purchasing an umbrella insurance policy, which can raise your bodily injury liability limits to $1 million and beyond.
3. Consider Local Insurers
Depending on your individual characteristics, a large national insurer may not be the best choice for you. When comparing quotes, make sure you include estimates from smaller, regional insurers as well.
4. Look for Discounts
In addition to comparing premiums, you should look for an insurer that has a variety of discount options. For example, most major insurance companies offer a good driver discount if you go a certain number of years without getting into an accident or getting a ticket.
Video: Best Bodily Injury Liability Insurance
Methodology
WalletHub editors compared 17 major car insurance companies to determine the best bodily injury liability insurance providers. Specifically, companies were ranked based on a combination of their premium affordability and their WalletHub editor rating. Both factors were weighted at 50%.
The premiums above are an average of a series of quotes sourced from Quadrant Information Services. All premiums are annual rates. The baseline driver profile was a 45-year-old single man with a clean driving record and good credit, who drives a sedan an average of 15,000 miles per year.
The following coverage limits were used for the overall ranking:
- $15,000 in bodily injury liability coverage per person
- $30,000 in bodily injury liability coverage per accident
- $5,000 in property damage liability coverage per accident
WalletHub editors also determined the cheapest company in each state using quotes for the baseline driver profile. Quotes were averaged from a variety of zip codes using each state’s minimum coverage requirements.
