Best Cheap Auto Insurance in Liberty, KY (2021)
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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: May 17, 2021
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- 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.