Best Bodily Injury Liability (BI) Auto Insurance Companies (2021)

The best bodily injury liability (BI) auto insurance companies are GEICO, Nationwide, American Family, and State Farm. BI liability is included in liability car insurance coverage, which is at least $82 a month. However, BI liability auto insurance rates vary. Shop around and compare multiple companies to secure the best bodily injury liability (bi) auto insurance companies' quotes.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 26, 2021

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Things to Remember

  • Liability auto insurance is about 51% cheaper than full coverage
  • Coverage limits determine your auto insurance rates
  • Choosing the minimum coverage limits will generate cheaper auto insurance rates

Bodily injury liability (BI) is available at all auto insurance companies.

Not only is BI liability part of the minimum car insurance requirements, but you also won’t get auto insurance without it.

But what are the best bodily injury liability (BI) car insurance companies? Don’t worry – we’re here to help.

Our guide explains everything you need to know about bodily injury liability insurance and which companies have cheap auto insurance.

After learning about the best bodily injury liability auto insurance companies, enter your ZIP code in the free online quote tool above to compare the top companies near you.

What are the best bodily injury liability (BI) auto insurance companies?

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability-only insurance is $46 a month.

However, it may be difficult to secure $46 per month liability-only coverage.

That’s because the top car insurance companies have various ways they determine monthly rates.

If you’re not sure where to buy affordable bodily injury liability auto insurance, get quotes from the best auto insurance companies first.

Let’s look at the cost of bodily injury liability car insurance rates from top companies in the United States.

  • Allstate – $162
  • American Family – $114
  • Farmers – $147
  • GEICO – $91
  • Liberty Mutual – $203
  • Nationwide – $117
  • Progressive – $144
  • State Farm – $120
  • Travelers – $147
  • USAA – $82

USAA is one of the cheapest companies in the nation, but it’s only available to active-duty military members, veterans, and their immediate families.

But GEICO, Nationwide, American Family, and State Farm have affordable rates compared to most companies.

Bodily injury liability insurance is included in your overall liability car insurance coverage.

However, various factors determine whether affordable bodily injury liability auto insurance is available to you.

One of those factors is your coverage limits (also called coverage level). Continue reading to learn how coverage level impacts rates from bodily injury liability auto insurance companies.

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Auto Insurance Limits Explained: How much auto insurance do I need?

Each state in the nation has a minimum car insurance requirement. These requirements are known as coverage limits.

All coverage limits include bodily injury liability and property damage liability. Let’s look at the minimum auto insurance requirements for each state.

Minimum Auto Insurance Requirements by State
StateMinimum BI & PD Liability LimitsRequired Insurance Policies
Alabama25/50/25BI + PD Liability
Alaska50/100/25BI + PD Liability
Arizona15/30/10BI + PD Liability
Arkansas25/50/25BI + PD Liability, PIP
California15/30/5BI + PD Liability
Colorado25/50/15BI + PD Liability
Connecticut25/50/20BI + PD Liability, UM, UIM
Delaware25/50/10BI + PD Liability, PIP
District of Columbia25/50/10BI + PD Liability, UM
Florida10/20/10BI + PD Liability, PIP
Georgia25/50/25BI + PD Liability
Hawaii20/40/10BI + PD Liability, PIP
Idaho25/50/15BI + PD Liability
Illinois25/50/20BI + PD Liability, UM, UIM
Indiana25/50/25BI + PD Liability
Iowa20/40/15BI + PD Liability
Kansas25/50/25BI + PD Liability, PIP
Kentucky25/50/25BI + PD Liability, PIP, UM, UIM
Louisiana15/30/25BI + PD Liability
Maine50/100/25BI + PD Liability, UM, UIM, Medpay
Maryland30/60/15BI + PD Liability, PIP, UM, UIM
Massachusetts20/40/5BI + PD Liability, PIP
Michigan20/40/10BI + PD Liability, PIP
Minnesota30/60/10BI + PD Liability, PIP, UM, UIM
Mississippi25/50/25BI + PD Liability
Missouri25/50/25BI + PD Liability, UM
Montana25/50/20BI + PD Liability
Nebraska25/50/25BI + PD Liability, UM, UIM
Nevada25/50/20BI + PD Liability
New Hampshire25/50/25Financial Responsibility only
New Jersey15/30/5BI + PD Liability, PIP, UM, UIM
New Mexico25/50/10BI + PD Liability
New York25/50/10BI + PD Liability, PIP, UM, UIM
North Carolina30/60/25BI + PD Liability, UM, UIM
North Dakota25/50/25BI + PD Liability, PIP, UM, UIM
Ohio25/50/25BI + PD Liability
Oklahoma25/50/25BI + PD Liability
Oregon25/50/20BI + PD Liability, PIP, UM, UIM
Pennsylvania15/30/5BI + PD Liability, PIP
Rhode Island25/50/25BI + PD Liability
South Carolina25/50/25BI + PD Liability, UM, UIM
South Dakota25/50/25BI + PD Liability, UM, UIM
Tennessee25/50/15BI + PD Liability
Texas30/60/25BI + PD Liability, PIP
Utah25/65/15BI + PD Liability, PIP
Vermont25/50/10BI & PD Liab, UM, UIM
Virginia25/50/20BI + PD Liability, UM, UIM
Washington25/50/10BI + PD Liability
West Virginia25/50/25BI + PD Liability, UM, UIM
Wisconsin25/50/10BI + PD Liability, UM, Medpay
Wyoming25/50/20BI + PD Liability
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You can secure cheap car insurance if you choose the minimum car insurance limit.

Higher coverage limits, such as 50/100/50 and 100/300/100, will increase your auto insurance rates.

Check out the list below to see how coverage levels change bodily injury liability auto insurance rates.

  • Minimum Coverage Level – $159/month
  • Medium Coverage Level (50/100/50) – $168/month
  • High Coverage Level (100/300/100) – $176/month

The third portion of your coverage limits is property damage liability, and it’s included in your liability car insurance as well.

Read through the subsections below to learn how bodily injury liability and property damage liability work.

What does liability auto insurance cover?

Liability car insurance is required in most states. It’s a coverage option that covers another driver when you’re at fault in an accident.

Although the coverage limits are different for each state, liability coverage pays out claims for no-fault drivers’ bodily injury and property damage.

You can even get liability coverage if you don’t own a car. If you’re a high-risk driver, try non-owner car insurance.

With non-owner auto insurance, your bodily injury liability auto insurance quotes will be more expensive.

How does bodily injury liability work?

BI liability kicks in when an at-fault driver causes bodily injury to you and your passengers. You can file a bodily injury claim with the at-fault driver’s auto insurance company.

How does property damage liability work?

Property damage (PD) liability focuses on damaged property, such as a vehicle, a house, or other types of property.

When an at-fault driver damages your property, you can file a PD liability claim with their car insurance company.

If you’re at fault in an accident, your liability coverage pays for damage and bodily injury to another driver and their passengers.

What does liability auto insurance not cover?

If you’re at fault for an accident, your bodily injury and property damage expenses are not covered by your BI liability or PD liability coverage.

If you want coverage for your own injuries and damage, you should buy no-fault insurance, such as collision insurance or personal injury protection (PIP).

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What’s the difference between liability auto insurance and umbrella insurance?

Liability car insurance coverage covers injuries and property damage when you’re at fault in an accident.

Meanwhile, umbrella insurance coverage pays for liability situations with much higher limits.

For example, umbrella insurance has limits of over $1 million for car accidents, legal fees, libel, and other situations where you’re liable for damages and personal injuries.

How do I file a bodily injury liability auto insurance claim?

If you’ve been declared a no-fault driver in an accident, you should contact the at-fault driver’s car insurance company. Don’t wait too long to file a claim.

You’ll remember events better if you file the claim right away. Be sure to keep a copy of the police report, also.

Best Bodily Injury (BI) Liability Auto Insurance Companies: The Bottom Line

The best bodily injury liability car insurance company is the one that meets your budget and coverage needs.

We recommend a medium coverage level for drivers in all states. A medium or high coverage level will prevent you from getting into legal battles with someone after an accident if your insurance company can’t pay for all of the damages.

Before you buy bodily injury liability auto insurance, use our free online quote tool to compare multiple companies in your area.

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