Company name Best for Average monthly liability-only cost Auto-Owners Affordable coverage $46 USAA Military discounts $51 Erie Policy perks $67 GEICO High-risk drivers $79 State Farm Young drivers $150 Mile Auto Pay-per-mile insurance $74 Allstate Policy options $91 Metromile Low-mileage drivers $60 Root Personalized rates $110 American Family Bundling policies $81 For example, you may see 25/50/10 on your insurance policy, which means your insurance company will pay expenses up to $25,000 per person, $50,000 per accident, and $10,000 per property damage claim. As you search for new car insurance with liability coverage, consider factors beyond price such as customer satisfaction, policy options, and discounts.