Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 29, 2021

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Key Takeaways

  • The best bodily injury (BI) liability car insurance companies may include Progressive, GEICO, USAA, and Travelers
  • Liability insurance is significantly cheaper than other types of coverage
  • If you have a low-value vehicle, you may want to consider purchasing a liability-only car insurance policy

Many major car insurance companies provide bodily injury (BI) liability car insurance along with a variety of other coverages, so choosing which one is right for you can be a challenge.

Below, we’ve listed some of the best bodily injury (BI) liability car insurance companies to help make your decision a bit easier. Read more about BI liability below.

Get bodily injury (BI) liability car insurance quotes by entering your ZIP code into our free quote comparison tool above.

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

Bodily injury (BI) liability insurance is a type of coverage that may cover expenses if someone is injured in an accident that you are determined to be at fault for. Below are some of the best bodily injury liability car insurance companies.

GEICO

GEICO tends to be a highly rated company because of its low rates, a wide range of coverage options, and geographic availability. It also has great customer service and a quick claims process.

Progressive

Progressive also offers relatively low rates compared to other car insurance companies. You may also be able to qualify for discounts on your policy and bundle your car insurance with other types of insurance.

USAA

If you’re a member of the military, a veteran, or a family member, USAA offers some of the most affordable bodily injury (BI) liability car insurance specifically tailored to military families.

Travelers

Travelers offers affordable liability insurance as well as other types of coverage, discounts to save on your rates, and an online claims process that is easy to navigate.

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How much are rates from bodily injury (BI) liability car insurance companies?

Bodily injury (BI) liability car insurance rates are significantly lower than other types of coverage because it offers less coverage.

Average Annual Car Insurance Rates by Coverage Level
Coverage TypeFive Year Average Rates
Comprehensive$138.87
Collision$299.73
Liability$516.39
Full Coverage$954.99
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Looking at the table above, it appears as if liability insurance is more expensive than other types of coverage. However, you should keep in mind that most companies require you to purchase liability insurance before other types of insurance.

Therefore, if you wanted to purchase collision insurance, you would need to pay for liability and collision insurance. If you only purchase liability insurance, you will be paying less overall than if you want more coverage. A full coverage policy could cost twice as much as a liability-only policy.

What does bodily injury liability cover?

Bodily injury (BI) liability provides coverage for injured persons in an accident that you are at fault for. It may pay for medical expenses, lost income, and legal fees.

If another person is injured in the accident, bodily injury liability insurance can cover their emergency fees, hospital expenses, and sometimes follow-up doctors’ visits or medical needs, such as a wheelchair.

If the person is injured badly enough that they miss work or cannot perform their work, your BI liability may cover their lost wages or income. However, your state may place limits on how much they can receive from your insurance.

If the injured person or their insurance company takes you to court, your insurance could cover legal fees.

Unfortunately, bodily injury (BI) liability car insurance does not cover you or your family. It only covers outside parties who are injured in an accident that is caused by you.

Should I buy bodily injury (BI) liability car insurance?

Bodily injury (BI) liability car insurance can help you meet your state’s minimum liability requirements, although you may need to purchase other types of liability insurance or coverage to meet other requirements.

Minimum State Requirements
StateInsurance requiredMinimum liability limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississippiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab (9), UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20

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Many people will benefit from purchasing coverage over and above bodily injury liability, such as collision or comprehensive insurance. However, in some cases, the cost of these types of coverage may not be worth the coverage.

Insurance companies will only pay as much as the actual cash value of your car, so collision and comprehensive coverage are generally more beneficial for cars of higher value.

You may want to consider dropping to a liability-only policy once the actual cash value of your car is less than the annual premium and deductible of your insurance.

Other situations in which bodily injury (BI) liability coverage may be enough are if you could easily afford to repair or replace your car on your own or if there is little risk of an incident occurring to or with your vehicle.

If you’re looking for a bodily injury (BI) liability car insurance company, enter your ZIP code into our free quote comparison tool below to get bodily injury (BI) liability car insurance rates.