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.

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Answer provided by
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Emily Maracle
Answered on Jun 09, 2021
“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. “
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