Best Cheap Auto Insurance in Liberal, MO (2021)

The average Liberal, MO auto insurance rates are $264 per month. The minimum auto insurance in Liberal is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Liberal, Missouri, compare quotes from multiple companies.

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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: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Liberal for teen drivers is Farmers
  • The minimum auto insurance required in Liberal, Missouri is 25/50/25
  • The average commute length in Liberal is 24.6 minutes

Liberal, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Liberal can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Liberal, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Liberal to other Missouri cities, including Kansas City auto insurance rates, Springfield auto insurance rates, and Lee’s Summit auto insurance rates to see how Liberal, Missouri auto insurance rates stack up.

Before you buy Liberal, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Liberal, Missouri auto insurance quotes.

Minimum Auto Insurance in Liberal, Missouri

Liberal, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Liberal, Missouri.

Minimum Required Auto Insurance Coverage in Liberal, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Liberal, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Liberal, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Liberal, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,822 $2,736 $2,532 $2,613 $7,715 $8,346 $2,716 $2,810
American Family $1,987 $1,987 $1,772 $1,772 $5,488 $7,118 $1,987 $2,318
Farmers $2,289 $2,283 $2,049 $2,166 $9,197 $9,513 $2,608 $2,735
GEICO $1,903 $2,119 $1,485 $1,869 $5,760 $6,105 $1,768 $1,787
Liberty Mutual $2,599 $2,820 $2,141 $2,402 $8,677 $9,639 $2,743 $2,933
Nationwide $1,415 $1,449 $1,263 $1,342 $3,561 $4,579 $1,612 $1,749
Progressive $1,917 $1,798 $1,568 $1,612 $5,997 $6,750 $2,341 $2,398
State Farm $1,601 $1,601 $1,416 $1,416 $4,420 $5,602 $1,796 $2,038
USAA $1,547 $1,532 $1,398 $1,418 $4,668 $5,698 $1,921 $2,132

Cheap Liberal, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Liberal, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Liberal, Missouri.

Annual Auto Insurance Rates for Teen Drivers in Liberal, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,715 $8,346
American Family $5,488 $7,118
Farmers $9,197 $9,513
GEICO $5,760 $6,105
Liberty Mutual $8,677 $9,639
Nationwide $3,561 $4,579
Progressive $5,997 $6,750
State Farm $4,420 $5,602
USAA $4,668 $5,698

Cheap Liberal, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in Liberal, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Liberal, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,532 $2,613
American Family $1,772 $1,772
Farmers $2,049 $2,166
GEICO $1,485 $1,869
Liberty Mutual $2,141 $2,402
Nationwide $1,263 $1,342
Progressive $1,568 $1,612
State Farm $1,416 $1,416
USAA $1,398 $1,418

Cheap Liberal, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Liberal, Missouri compared to the annual auto insurance rates with a clean record in Liberal, Missouri.

Annual Liberal, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,909 $4,842 $3,921
American Family $2,264 $3,312 $4,043 $2,595
Farmers $3,573 $4,401 $4,307 $4,139
GEICO $2,256 $2,879 $3,828 $2,435
Liberty Mutual $3,095 $4,418 $4,567 $4,898
Nationwide $1,680 $2,138 $2,833 $1,833
Progressive $2,666 $3,502 $2,933 $3,089
State Farm $2,299 $2,673 $2,486 $2,486
USAA $2,023 $2,470 $3,448 $2,216

Cheap Liberal, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Liberal, Missouri is not easy. Compare the annual rates for DUI auto insurance in Liberal, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in Liberal, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,842
American Family $4,043
Farmers $4,307
GEICO $3,828
Liberty Mutual $4,567
Nationwide $2,833
Progressive $2,933
State Farm $2,486
USAA $3,448

Cheap Liberal, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Liberal, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Liberal, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,579 $2,959
American Family $3,983 $2,810 $2,368
Farmers $4,698 $3,904 $3,714
GEICO $3,935 $2,563 $2,051
Liberty Mutual $6,096 $3,711 $2,926
Nationwide $2,504 $2,063 $1,796
Progressive $3,537 $2,918 $2,687
State Farm $3,345 $2,242 $1,873
USAA $4,222 $1,976 $1,420

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Cheap Liberal, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Liberal, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Liberal, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Liberal, Missouri

ZIP Code Average Annual Rates
64762 $2,603

Cheap Liberal, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Liberal, Missouri auto insurance. Find the cheapest annual Liberal, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Liberal, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,036 $4,036
American Family $3,024 $3,084
Farmers $4,105 $4,105
GEICO $2,793 $2,906
Liberty Mutual $4,244 $4,244
Nationwide $2,121 $2,121
Progressive $3,048 $3,048
State Farm $2,426 $2,547
USAA $2,448 $2,630

Cheap Liberal, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Liberal, Missouri? Check out the comparison of annual Liberal, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Liberal, Missouri

Insurance Company Low Medium High
Allstate $3,889 $4,028 $4,191
American Family $2,958 $3,150 $3,053
Farmers $3,859 $4,068 $4,389
GEICO $2,676 $2,867 $3,005
Liberty Mutual $4,013 $4,264 $4,455
Nationwide $1,996 $2,141 $2,227
Progressive $2,750 $3,054 $3,339
State Farm $2,346 $2,495 $2,618
USAA $2,426 $2,530 $2,661

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Best By Category: Cheapest Auto Insurance in Liberal, Missouri

Compare the cheapest auto insurance companies in Liberal, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Liberal, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Liberal, Missouri Auto Insurance Companies

What auto insurance companies in Liberal, Missouri are the cheapest? Compare the top Liberal, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Liberal, Missouri

Insurance Company Average Annual Rates
Allstate $4,036
American Family $3,054
Farmers $4,105
GEICO $2,850
Liberty Mutual $4,244
Nationwide $2,121
Progressive $3,048
State Farm $2,486
USAA $2,539

What affects auto insurance rates in Liberal, Missouri?

There are a lot of reasons why auto insurance rates in Liberal, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Liberal, Missouri. Many local factors may affect your Liberal auto insurance rates.

Liberal Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Liberal, Missouri commute length is 24.6 minutes according to City-Data.

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Compare Liberal, Missouri Auto Insurance Quotes

Before you buy Liberal, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Liberal, Missouri auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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