Best Liberty Hill, Texas Auto Insurance in 2025
The average Liberty Hill, TX auto insurance rates are $296 per month. The minimum auto insurance in Liberty Hill is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Liberty Hill, Texas, compare quotes from multiple companies.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated September 2024
- The cheapest auto insurance company in Liberty Hill is USAA
- The most expensive auto insurance company in Liberty Hill for teen drivers is Allstate
- Average auto insurance rates in Liberty Hill, TX for senior drivers are $2,166 per year
Liberty Hill, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Liberty Hill 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 Liberty Hill, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Liberty Hill to other Texas cities, including Austin auto insurance rates, El Paso auto insurance rates, and Arlington auto insurance rates to see how Liberty Hill, Texas auto insurance rates stack up.
Before you buy Liberty Hill, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Liberty Hill, Texas auto insurance quotes.
Minimum Auto Insurance in Liberty Hill, Texas
Liberty Hill, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Liberty Hill, Texas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Liberty Hill, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Liberty Hill, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,472 | $3,498 | $3,426 | $3,426 | $9,269 | $11,174 | $4,293 | $4,465 |
| American Family | $2,464 | $2,751 | $2,344 | $2,691 | $6,768 | $8,842 | $3,580 | $4,083 |
| Geico | $2,342 | $2,527 | $2,248 | $2,552 | $5,178 | $5,365 | $2,541 | $2,538 |
| Nationwide | $1,807 | $1,837 | $1,604 | $1,695 | $4,999 | $6,409 | $2,112 | $2,281 |
| Progressive | $2,206 | $2,118 | $1,965 | $2,005 | $9,187 | $10,226 | $2,632 | $2,690 |
| State Farm | $1,987 | $1,987 | $1,769 | $1,769 | $4,771 | $6,080 | $2,161 | $2,225 |
| USAA | $1,488 | $1,491 | $1,423 | $1,406 | $4,204 | $4,563 | $1,976 | $2,107 |
Cheap Liberty Hill, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Liberty Hill, Texas is a challenge. Take a look at the annual teen auto insurance rates in Liberty Hill, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,269 | $11,174 |
| American Family | $6,768 | $8,842 |
| Geico | $5,178 | $5,365 |
| Nationwide | $4,999 | $6,409 |
| Progressive | $9,187 | $10,226 |
| State Farm | $4,771 | $6,080 |
| USAA | $4,204 | $4,563 |
Cheap Liberty Hill, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Liberty Hill, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,426 | $3,426 |
| American Family | $2,344 | $2,691 |
| Geico | $2,248 | $2,552 |
| Nationwide | $1,604 | $1,695 |
| Progressive | $1,965 | $2,005 |
| State Farm | $1,769 | $1,769 |
| USAA | $1,423 | $1,406 |
Cheap Liberty Hill, Texas 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 Liberty Hill, Texas compared to the annual auto insurance rates with a clean record in Liberty Hill, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,155 | $6,455 | $6,746 | $4,155 |
| American Family | $3,807 | $4,880 | $4,268 | $3,807 |
| Geico | $2,683 | $3,550 | $2,960 | $3,452 |
| Nationwide | $2,473 | $2,473 | $3,641 | $2,787 |
| Progressive | $3,607 | $4,640 | $4,200 | $4,066 |
| State Farm | $2,525 | $2,898 | $3,426 | $2,525 |
| USAA | $1,737 | $2,565 | $3,034 | $1,993 |
Cheap Liberty Hill, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Liberty Hill, Texas is not easy. Compare the annual rates for DUI auto insurance in Liberty Hill, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,746 |
| American Family | $4,268 |
| Geico | $2,960 |
| Nationwide | $3,641 |
| Progressive | $4,200 |
| State Farm | $3,426 |
| USAA | $3,034 |
Cheap Liberty Hill, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Liberty Hill, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,829 | $5,012 | $4,293 |
| American Family | $5,726 | $3,654 | $3,191 |
| Geico | $4,875 | $2,763 | $1,846 |
| Nationwide | $3,394 | $2,741 | $2,394 |
| Progressive | $4,640 | $4,017 | $3,728 |
| State Farm | $4,027 | $2,507 | $1,997 |
| USAA | $3,422 | $1,981 | $1,594 |
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Cheap Liberty Hill, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Liberty Hill, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Liberty Hill, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 78642 | $5,239 |
Cheap Liberty Hill, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Liberty Hill, Texas auto insurance. Find the cheapest annual Liberty Hill, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,248 | $5,508 |
| American Family | $4,190 | $4,190 |
| Geico | $3,103 | $3,220 |
| Nationwide | $2,843 | $2,843 |
| Progressive | $4,128 | $4,128 |
| State Farm | $2,844 | $2,844 |
| USAA | $2,303 | $2,362 |
Cheap Liberty Hill, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Liberty Hill, Texas? Check out the comparison of annual Liberty Hill, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,255 | $5,332 | $5,547 |
| American Family | $3,909 | $4,041 | $4,621 |
| Geico | $3,001 | $3,128 | $3,356 |
| Nationwide | $3,063 | $2,726 | $2,740 |
| Progressive | $3,994 | $4,115 | $4,276 |
| State Farm | $2,695 | $2,838 | $2,998 |
| USAA | $2,254 | $2,324 | $2,418 |
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Best By Category: Cheapest Auto Insurance in Liberty Hill, Texas
Compare the cheapest auto insurance companies in Liberty Hill, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Liberty Hill, Texas Auto Insurance Companies
What auto insurance companies in Liberty Hill, Texas are the cheapest? Compare the top Liberty Hill, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,378 |
| American Family | $4,190 |
| Geico | $3,161 |
| Nationwide | $2,843 |
| Progressive | $4,128 |
| State Farm | $2,844 |
| USAA | $2,332 |
What affects auto insurance rates in Liberty Hill, Texas?
There are a lot of reasons why auto insurance rates in Liberty Hill, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Liberty Hill, Texas. Many local factors may affect your Liberty Hill auto insurance rates.
Liberty Hill Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Liberty Hill, Texas auto theft statistics, there have been 4 auto thefts in the city.
Liberty Hill Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Liberty Hill, Texas commute length is 32.5 minutes according to City-Data.
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Compare Liberty Hill, Texas Auto Insurance Quotes
Before you buy Liberty Hill, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Liberty Hill, Texas auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Liberty Hill, Texas?
According to Texas auto insurance laws, the minimum auto insurance requirements in Liberty Hill, Texas are 30/60/25. This means you must have at least $30,000 bodily injury liability coverage per person, $60,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage.
How can I find cheap auto insurance in Liberty Hill, Texas?
To find the best cheap auto insurance in Liberty Hill, Texas, it is recommended to compare quotes from multiple companies. By comparing rates, you can find the most affordable option that meets your coverage needs. Enter your ZIP code to use our free quote tool and compare quotes from different companies.
How do age, gender, and marital status affect auto insurance rates in Liberty Hill, Texas?
Age, gender, and marital status can impact auto insurance rates in Liberty Hill, Texas. Generally, younger drivers, especially teenagers, tend to have higher rates. Additionally, statistics show that males often have higher rates than females. Marital status can also be a factor, as married individuals may be eligible for lower rates compared to single individuals.
Are there specific auto insurance discounts available for seniors in Liberty Hill, Texas?
While specific discounts may vary depending on the insurance provider, some companies offer discounts for seniors in Liberty Hill, Texas. Seniors may qualify for discounts based on their driving experience, completion of defensive driving courses, or affiliation with certain organizations. It’s advisable to check with insurance companies to inquire about available discounts for seniors.
How does a driving record affect auto insurance rates in Liberty Hill, Texas?
Your driving record has a significant impact on auto insurance rates in Liberty Hill, Texas. If you have a clean driving record with no accidents or traffic violations, you are likely to qualify for lower insurance rates. On the other hand, a bad driving record with accidents, tickets, or DUI convictions can result in higher insurance premiums. It’s important to maintain a safe driving record to keep your insurance costs down.
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