PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why is my liability-only insurance so much higher than my cousin's full coverage?
"I'm 22, live in Texas, and pay $125 for liability on my 2001 Dodge Charger. My cousin is 23 and pays $80 for full coverage on her 2010 Chevy Silverado. I can't understand why I pay more than her for less coverage."
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While every car insurance carrier rates policies differently, there are a few factors that are most likely impacting you rates.
Age, type of vehicle drive, and where you live all have an impact on your rate.
Texas
is one of the most expensive states to insure a vehicle. This means that even with a good driving history, your rates could still be high. A Dodge Charger is also one of the
most expensive vehicles
to insure. Along with being under 25, this is causing a higher rate even with liability car insurance
. Even if you are able to pay your current rate, you may benefit from looking into other carriers. Liability only insurance is typically less expensive than full coverage, so you may be able to find a better rate with another carrier.”
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies