Best Liberty, Kentucky Auto Insurance in 2025
The average Liberty, KY auto insurance rates are $385 per month. The minimum auto insurance in Liberty is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Liberty, Kentucky, compare quotes from multiple companies.
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Table of Contents
Table of Contents
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated September 2024
- The average commute length in Liberty is 21.8 minutes
- The most expensive auto insurance company in Liberty for teen drivers is Travelers
- The cheapest auto insurance company in Liberty is USAA
Liberty, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Liberty 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, Kentucky, including driving record, credit, commute time, and more.
Compare auto insurance in Liberty to other Kentucky cities, including Owensboro auto insurance rates, Independence auto insurance rates, and Florence auto insurance rates to see how Liberty, Kentucky auto insurance rates stack up.
Before you buy Liberty, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Liberty, Kentucky auto insurance quotes.
Minimum Auto Insurance in Liberty, Kentucky
Liberty, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Liberty, Kentucky.
| 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 Liberty, Kentucky Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Liberty, Kentucky 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 | $3,131 | $3,091 | $2,840 | $3,027 | $11,761 | $13,201 | $3,447 | $3,631 |
| Geico | $4,038 | $3,738 | $4,219 | $3,821 | $8,260 | $9,795 | $3,298 | $2,847 |
| Liberty Mutual | $2,832 | $3,069 | $2,427 | $2,710 | $11,556 | $12,757 | $2,946 | $3,039 |
| Nationwide | $3,534 | $3,521 | $3,188 | $3,325 | $7,948 | $9,875 | $4,012 | $4,192 |
| Progressive | $2,400 | $2,286 | $2,150 | $2,161 | $11,655 | $13,204 | $2,981 | $3,051 |
| State Farm | $1,864 | $1,864 | $1,663 | $1,663 | $5,379 | $6,821 | $2,076 | $2,306 |
| Travelers | $2,421 | $2,467 | $2,365 | $2,371 | $11,415 | $18,268 | $2,525 | $2,948 |
| USAA | $1,890 | $1,896 | $1,703 | $1,736 | $5,010 | $5,281 | $2,389 | $2,619 |
Cheap Liberty, Kentucky Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Liberty, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Liberty, Kentucky.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,761 | $13,201 |
| Geico | $8,260 | $9,795 |
| Liberty Mutual | $11,556 | $12,757 |
| Nationwide | $7,948 | $9,875 |
| Progressive | $11,655 | $13,204 |
| State Farm | $5,379 | $6,821 |
| Travelers | $11,415 | $18,268 |
| USAA | $5,010 | $5,281 |
Cheap Liberty, Kentucky Auto Insurance for Seniors
What are senior auto insurance rates in Liberty, Kentucky? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,840 | $3,027 |
| Geico | $4,219 | $3,821 |
| Liberty Mutual | $2,427 | $2,710 |
| Nationwide | $3,188 | $3,325 |
| Progressive | $2,150 | $2,161 |
| State Farm | $1,663 | $1,663 |
| Travelers | $2,365 | $2,371 |
| USAA | $1,703 | $1,736 |
Cheap Liberty, Kentucky 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, Kentucky compared to the annual auto insurance rates with a clean record in Liberty, Kentucky.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,563 | $5,967 | $6,378 | $5,156 |
| Geico | $2,973 | $5,301 | $8,093 | $3,641 |
| Liberty Mutual | $4,308 | $6,629 | $5,152 | $4,580 |
| Nationwide | $3,914 | $5,093 | $6,470 | $4,320 |
| Progressive | $4,122 | $6,104 | $4,704 | $5,014 |
| State Farm | $2,711 | $3,198 | $2,955 | $2,955 |
| Travelers | $4,881 | $5,024 | $7,247 | $5,239 |
| USAA | $2,123 | $3,002 | $3,584 | $2,554 |
Cheap Liberty, Kentucky Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Liberty, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Liberty, Kentucky to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,378 |
| Geico | $8,093 |
| Liberty Mutual | $5,152 |
| Nationwide | $6,470 |
| Progressive | $4,704 |
| State Farm | $2,955 |
| Travelers | $7,247 |
| USAA | $3,584 |
Cheap Liberty, Kentucky Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Liberty, Kentucky annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,302 | $5,046 | $4,200 |
| Geico | $8,225 | $4,106 | $2,675 |
| Liberty Mutual | $7,383 | $4,539 | $3,580 |
| Nationwide | $6,028 | $4,724 | $4,097 |
| Progressive | $5,578 | $4,857 | $4,524 |
| State Farm | $4,259 | $2,583 | $2,021 |
| Travelers | $6,256 | $5,280 | $5,258 |
| USAA | $4,193 | $2,344 | $1,909 |
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Cheap Liberty, Kentucky Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Liberty, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Liberty, Kentucky to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 42539 | $4,141 |
Cheap Liberty, Kentucky Auto Insurance Rates By Commute
Commute length and annual mileage affect Liberty, Kentucky auto insurance. Find the cheapest annual Liberty, Kentucky auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,516 | $5,516 |
| Geico | $4,955 | $5,049 |
| Liberty Mutual | $5,167 | $5,167 |
| Nationwide | $4,949 | $4,949 |
| Progressive | $4,986 | $4,986 |
| State Farm | $2,882 | $3,027 |
| Travelers | $5,598 | $5,598 |
| USAA | $2,711 | $2,920 |
Cheap Liberty, Kentucky Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Liberty, Kentucky? Check out the comparison of annual Liberty, Kentucky auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,095 | $5,493 | $5,961 |
| Geico | $4,666 | $4,987 | $5,353 |
| Liberty Mutual | $4,903 | $5,132 | $5,467 |
| Nationwide | $5,017 | $4,889 | $4,942 |
| Progressive | $4,608 | $4,920 | $5,430 |
| State Farm | $2,770 | $2,950 | $3,144 |
| Travelers | $5,341 | $5,624 | $5,827 |
| USAA | $2,690 | $2,809 | $2,948 |
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Best By Category: Cheapest Auto Insurance in Liberty, Kentucky
Compare the cheapest auto insurance companies in Liberty, Kentucky in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Liberty, Kentucky Auto Insurance Companies
What auto insurance companies in Liberty, Kentucky are the cheapest? Compare the top Liberty, Kentucky auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,516 |
| Geico | $5,002 |
| Liberty Mutual | $5,167 |
| Nationwide | $4,949 |
| Progressive | $4,986 |
| State Farm | $2,955 |
| Travelers | $5,598 |
| USAA | $2,816 |
What affects auto insurance rates in Liberty, Kentucky?
There are a lot of reasons why auto insurance rates in Liberty, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Liberty, Kentucky. Many local factors may affect your Liberty auto insurance rates.
Liberty Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Liberty, Kentucky commute length is 21.8 minutes according to City-Data.
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Compare Liberty, Kentucky Auto Insurance Quotes
Before you buy Liberty, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Liberty, Kentucky auto insurance quotes.
Frequently Asked Questions
What types of auto insurance coverage are available in Liberty, KY?
In Liberty, KY, you can typically find various types of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). These coverage options may vary depending on the insurance company and the policy you choose.
Is auto insurance mandatory in Liberty, KY?
Yes, auto insurance is mandatory in Liberty, KY, as it is in most states in the United States. Kentucky law requires drivers to carry minimum liability insurance coverage to help protect other motorists and property in the event of an accident. The minimum liability coverage limits may differ from state to state, so it’s important to understand and comply with the specific requirements in Liberty, KY.
How do I find auto insurance providers in Liberty, KY?
There are several ways to find auto insurance providers in Liberty, KY. You can start by researching and contacting local insurance agents or brokers who work with different insurance companies. Additionally, you can use online resources, insurance comparison websites, or directly visit the websites of insurance companies that operate in Kentucky to explore their coverage options and obtain quotes.
What factors can affect auto insurance rates in Liberty, KY?
Several factors can influence auto insurance rates in Liberty, KY. These factors typically include your driving record, age, gender, marital status, type of vehicle, annual mileage, coverage limits, deductibles, and sometimes even your credit history. Additionally, local factors such as crime rates and the frequency of accidents in Liberty, KY, may impact insurance rates.
Are there any discounts available for auto insurance in Liberty, KY?
Yes, many auto insurance providers offer various discounts that may be applicable in Liberty, KY. Common discounts include safe driver discounts, multi-policy discounts (for combining auto insurance with other policies like homeowners or renters insurance), multi-vehicle discounts, good student discounts, and discounts for safety features installed in your vehicle. It’s recommended to inquire with insurance companies about the discounts they offer to see if you qualify for any.
Can I customize my auto insurance policy in Liberty, KY?
Yes, auto insurance policies can often be customized to fit your specific needs and preferences. Insurance companies typically offer different coverage options, limits, and add-ons that allow you to tailor your policy. It’s essential to discuss your requirements with insurance agents or representatives to ensure you have appropriate coverage for your circumstances.
How can I save on auto insurance in Liberty, KY?
There are several strategies you can employ to potentially save on auto insurance in Liberty, KY. These include comparing quotes from multiple insurance providers, maintaining a clean driving record, bundling your auto insurance with other policies, increasing deductibles if financially feasible, taking advantage of available discounts, and periodically reviewing your policy to ensure you have the most suitable coverage at the best price.
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