How Much Does Liability-Only Car Insurance Cost?💵

The cost of liability car insurance varies widely depending on factors like your location, age, driving history, and coverage limits, but here’s a general breakdown:

💵 Average Cost of Liability-Only Insurance (Annual)

• Nationwide Average: $600–$1,000 per year

• Per Month: Around $50–$85

🧾 By State (Examples):

• Cheapest States:

  • Iowa, North Dakota, South Dakota: ~$400–$600/year

• Most Expensive States:

  • Michigan, Florida, Louisiana: $1,000–$1,600+/year

📌 What It Covers:

Liability insurance includes:

• Bodily Injury Liability (e.g., $25,000 per person / $50,000 per accident)

• Property Damage Liability (e.g., $25,000)

This is the minimum required coverage in most states, and it doesn’t cover your own car—just damage or injuries you cause to others.

✅ Tip: Because rates vary so much, it’s smart to compare quotes. Some drivers save hundreds per year just by switching companies.