Auto liability insurance costs an average of $180 a month. The rate an auto insurance company quotes you will change based on your driving record, where you live, and more. There are also ways to lower your premium, like discounts.
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how much does car liability insurance cost?
The average rate for auto liability insurance is $2,160 a year or $180 a month. this average will vary, depending on the state you live in and other factors.
The following table shows the annual and monthly average rates for all 50 states, as well as the minimum coverage auto insurance limits for each state. state requirements are listed on the bodily injury per person/bodily injury coverage per accident/property damage coverage form. For example, Maryland’s minimum coverage requirements are 30/60/15. This means Maryland drivers must carry at least:
- $30,000 bodily injury coverage per person
- $60,000 bodily injury coverage per accident
- $15,000 property damage coverage
It’s important to note that a state’s average auto liability insurance cost does not reflect its minimum coverage limits. For example, Vermont and New York require drivers to have exactly the same minimum coverage limits, but Vermont’s average auto insurance rate is less than half that of New York.
what is civil liability auto insurance?
Auto liability insurance helps cover repair costs, court fees, and medical expenses that can occur after an accident you cause. There are two key parts to auto liability insurance:
- Bodily Injury Coverage – This part of your auto liability insurance pays the medical costs of others you injure in an accident. it also covers legal fees if you are sued as a result of the accident. bodily injury coverage has limits for both one person injured in an accident and the total number of people injured in an accident.
- property damage coverage: this coverage helps pay for damage you cause to someone else’s car or personal property.
It is important to reiterate that liability insurance does nothing for your own damages after an accident. In order for your damages and injuries to be covered, you need collision insurance.
what factors affect the cost of auto liability insurance?
The final auto liability insurance rate is based on many different factors, some of which are more in your control than others. these include:
your insurance history
If you have car accidents, speeding tickets, or DUIs on your insurance record, this increases your risk level for filing a claim. auto insurers will raise your rates to offset the potential costs of your coverage.
the car you drive
The make and model of your car, as well as its age, will factor into the cost of your auto liability insurance. you can expect to pay more if you’ve also had custom work done on the car.
the chosen coverage limits
If you increase your car’s liability limits, you’ll see an increase in your rate. Despite the increased cost, we recommend increasing your minimum coverage insurance limits. States do not frequently increase automobile liability coverage requirements, which may result in insufficient coverage for you. If you end up being responsible for an accident that results in a lengthy lawsuit or hospital stay, your coverage limits can easily be exceeded. any costs associated with the accident beyond your limits will have to be paid out of your own pocket.
To avoid this, we recommend increasing your car’s liability limits to 100/300/100. despite the higher coverage levels, the cost difference in premiums is not that great.
how to find cheap liability insurance coverage
Comparing quotes, choosing the right deductible, and taking advantage of your insurer’s discount offers can significantly lower your current auto insurance rates. Being careful when choosing the policy you want can lead to lower insurance costs.
compare auto liability insurance quotes
Auto insurance companies offer different prices for the same liability coverage. Providers put different weights on different risk factors when calculating your quote. For example, one company may put more weight on the age of your car than another company. To make sure you get the best liability coverage at the best cost, compare auto insurance quotes from multiple insurers.
be careful with your deductible
When you increase your auto insurance deductible, you lower your premium. Look at your auto insurance claim history. If you don’t have many, or preferably none, claims on your record, consider taking a higher deductible. Although you would have to pay more if you had to file a claim, the premium savings over time can be worth it.
see available discounts
To remain competitive, auto insurers offer various discounts to attract policyholders. For example, many providers offer a bundle discount where if you bundle your auto insurance policy with a life, renters, or homeowners policy, you can save big on both policies. When shopping for an insurer, be sure to ask them about any discounts available to you.
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