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One thing that most financial experts will tell you is that it is vitally important to compare liability coverage rates before you decide to choose an auto insurance company.
In fact, you may already have your car covered, but you should still spend a few minutes every 12 months or so in order to make certain that your old company is still competitive.
So how do I compare auto insurance plans to find out which insurance company has the lowest rates? How do I find the best auto insurance rates? What website compares car insurance quotes?
It’s easy to compare quotes for cheap liability auto insurance today. You can use the FREE auto insurance comparison tool just by entering your ZIP code.
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Many US vehicle owners assume that all insurers are exactly the same. Actually, surveys of J.D. Powers top-rated companies found that some are friendlier to different types of customers, and they also offer different combinations of discounts.
It is really impossible for any consumer to figure out which of these companies will offer them the best deal without taking the time to compare rates.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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First, it might be helpful to understand what liability insurance is.
Consider some features of a basic auto liability policy:
This table shows the average annual rate for liability only insurance and full coverage. The numbers will be different now but you will get an idea of how little liability auto insurance will cost compared to full coverage.
States | Annual Liability Rates | Annual Full Coverage Rates |
---|---|---|
North Dakota | $298.18 | $773.30 |
Iowa | $299.18 | $702.46 |
South Dakota | $300.22 | $766.91 |
Wyoming | $321.04 | $847.44 |
Maine | $338.87 | $703.82 |
Vermont | $343.12 | $764.02 |
Idaho | $344.29 | $679.89 |
Kansas | $358.24 | $862.93 |
North Carolina | $359.42 | $789.09 |
Nebraska | $364.64 | $831.02 |
Wisconsin | $374.37 | $737.18 |
Indiana | $382.68 | $755.03 |
Montana | $386.29 | $863.52 |
Arkansas | $394.13 | $906.34 |
Alabama | $394.21 | $868.48 |
Ohio | $397.11 | $788.56 |
New Hampshire | $400.56 | $818.75 |
Tennessee | $413.91 | $871.43 |
Missouri | $415.88 | $872.43 |
Virginia | $425.61 | $842.67 |
Illinois | $446.72 | $884.56 |
Minnesota | $456.82 | $875.49 |
Hawaii | $458.54 | $873.28 |
Mississippi | $460.50 | $994.05 |
Oklahoma | $461.01 | $1,005.32 |
New Mexico | $488.03 | $937.59 |
California | $489.66 | $986.75 |
West Virginia | $491.83 | $1,025.78 |
Utah | $497.53 | $872.93 |
Pennsylvania | $499.06 | $970.51 |
Arizona | $508.76 | $972.85 |
Colorado | $520.04 | $981.64 |
South Carolina | $527.09 | $973.10 |
Texas | $528.75 | $1,109.66 |
Kentucky | $529.21 | $938.51 |
Alaska | $539.68 | $1,027.75 |
Georgia | $557.38 | $1,048.40 |
Oregon | $584.13 | $904.83 |
Washington | $596.67 | $968.80 |
Massachusetts | $606.04 | $1,129.29 |
Maryland | $609.74 | $1,116.45 |
District of Columbia | $628.82 | $1,330.73 |
Connecticut | $650.94 | $1,151.07 |
Nevada | $681.56 | $1,103.05 |
Rhode Island | $759.80 | $1,303.50 |
Louisiana | $775.83 | $1,405.36 |
Michigan | $795.32 | $1,364.00 |
Delaware | $799.30 | $1,240.57 |
New York | $804.51 | $1,360.66 |
Florida | $857.64 | $1,257.13 |
New Jersey | $869.57 | $1,382.79 |
Countrywide | $538.73 | $1,009.38 |
Even though drivers have to purchase a minimum policy for their state, some choose to purchase higher amounts of coverage.
Of course, some people also purchase full coverage, including collision, comprehensive, and other types of coverage as well as liability. Some people with a lot of assets or a particular type of job may purchase higher benefit levels.
This video gives you information about different types of auto insurance coverage.
These other coverages are not legally required, but they may be required by a loan company and are just considered a good idea by some car owners. It is important to carry the best auto insurance coverage for your situation.
First, consider some of the factors that will influence your own auto liability insurance rates:
How can knowing these things help you save money? Obviously, some of these factors are not that easy to control, or at least, they are not very easy to control quickly.
You might not be able to move to a cheaper town just to save money on your auto liability policy.
You might, however, consider buying a vehicle that is cheaper to insure the next time you shop for a used or new vehicle.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Note every step that you can take to save money has to take a long time. There are some things that you can easily do that might give you cheaper liability insurance by next month.
These things include:
Who has the cheapest car insurance? Every average consumer cannot be expected to know which insurer will give them the cheapest price or right combination of benefits.
However, these days it is very easy to compare auto insurance quotes using an online form. To find the best insurance comparison, sites will pull information from multiple companies. Some sites even offer an car insurance comparison chart to make it easy to compare coverages.
The good thing for today’s consumers is that auto insurance companies have had to become a lot more transparent about pricing since it is so easy for consumers to compare rates and plans.
Even if the rate difference is only $20 a month, you could save well over $200 a year.
However, sometimes you will find deals that will allow you to save thousands of dollars a year, so it is worth it to take a few minutes to compare quotes from competitive companies.
It is absolutely a good idea to compare auto liability insurance rates to be certain you know which auto insurance company has the best rates.
Be sure to use our FREE tool located below to compare liability auto insurance quotes side by side. Simply enter your ZIP code to shop the best car insurance quotes today.
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