Best Cheap Liability-Only Car Insurance of 2024

 

Best Cheap Liability-Only Car Insurance of 2024


Finding affordable car insurance can be a hassle, especially if you're looking for the cheapest liability-only coverage. In 2024, Erie tops our list for offering the best rates on liability car insurance, combined with excellent customer service and high collision repair scores. If Erie isn't available in your state, USAA and Auto-Owners are also excellent options to consider.

Top Picks for Cheap Liability-Only Car Insurance

  1. Erie
  2. USAA
  3. Auto-Owners
  4. Westfield
  5. Geico
  6. Nationwide
  7. Travelers
  8. Progressive

Why Trust Our Expertise?

Our team of insurance experts has evaluated hundreds of insurance products and analyzed thousands of data points to find the best options for you. Using a data-driven approach, we ensure our recommendations are unbiased and reliable. Here's a snapshot of our methodology:

  • 260 companies analyzed
  • 347 rates reviewed
  • 5 levels of fact-checking

Erie: Best for Cheap Liability-Only Coverage

Average Rate for Minimum Liability Insurance: $437
Customer Complaint Level: Low

Why Erie is the Best:

Erie offers competitive rates for minimum liability insurance and some of the best full coverage rates, particularly for young drivers and those with incidents like a DUI or speeding ticket on their records. Erie also boasts the highest CRASH Network grade (A-), which indicates strong claims handling and customer satisfaction. However, Erie does not offer usage-based car insurance, and its availability is limited to 12 states and Washington, D.C.

Pros:

  • Low rates for liability-only insurance
  • High CRASH Network score
  • Good rates for high-risk drivers

Cons:

  • Limited availability
  • No usage-based insurance

Discounts Available: Annual payment, bundling, car safety equipment, college student, safe driving, and more.

USAA: Best for Military Members

Average Rate for Minimum Liability Insurance: $373
Customer Complaint Level: Low

Why USAA is the Best:

USAA offers the lowest rates for liability-only car insurance but is exclusive to military members and their families. Despite its affordable rates, USAA has a higher-than-average complaint ratio, mainly concerning claims processes.

Pros:

  • Lowest liability-only rates
  • Discounts for safe driving and loyalty
  • Coverage for new car replacement and rideshare

Cons:

  • Only available to military families
  • Higher complaint ratio

Discounts Available: Anti-theft device, bundling, good student, loyalty, and more.

Auto-Owners: Best for Non-Military Families

Average Rate for Minimum Liability Insurance: $445
Customer Complaint Level: Very Low

Why Auto-Owners is the Best:

Auto-Owners provides competitive rates for liability-only insurance, making it a top choice for those not eligible for USAA. The company has an excellent reputation for customer service, reflected in its low complaint ratio.

Pros:

  • Competitive rates for liability coverage
  • Low complaint level
  • Various discounts for bundling and safe driving

Cons:

  • Higher rates for full coverage for some demographics
  • No SR-22 or usage-based insurance

Discounts Available: Bundling, good student, safety features, paid-in-full, and more.

How We Determine the Best Insurance

Our experts used a comprehensive evaluation system to assess each insurer based on average rates, coverage options, and customer complaints. Companies were scored out of 100 points, with specific focus areas:

  • Cost: 70 points
  • Coverage Features: 10 points
  • Consumer Complaints: 10 points
  • SR-22 Availability: 5 points
  • Accident Forgiveness: 5 points

Conclusion: How to Find the Cheapest Liability-Only Insurance

To find the most affordable liability-only insurance, it’s crucial to compare quotes from multiple insurers. This approach ensures you get the coverage you need at a price you can afford. Whether you choose Erie, USAA, or another provider, understanding your options will help you make an informed decision that protects you without breaking the bank.

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