Each state sets its own minimum limit: In New York, for example, the minimum is $25,000 in bodily injury liability per person ...

The cheapest liability-only car insurance for most drivers is State Farm, with average monthly rates around $55. You may be able to find even cheaper rates from a regional company like Erie, ...

The 2025 average cost of liability-only car insurance in the U.S. is $736 per year or $61 per month for 35-year-old drivers with good credit and a clean driving record.

Car insurance premiums have been soaring. Here's how to cut costs without cutting the coverage you actually need.