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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Liberty, Kentucky

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Liberty, Kentucky

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.

Annual Liberty, Kentucky Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Liberty, Kentucky

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.

Annual Auto Insurance Rates by Credit Score in Liberty, Kentucky

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.

Annual Auto Insurance Rates by ZIP Code in Liberty, Kentucky

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.

Annual Auto Insurance Rates by Commute Length in Liberty, Kentucky

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.

Annual Auto Insurance Rates by Coverage Level in Liberty, Kentucky

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.

Best Annual Auto Insurance Rates by Company in Liberty, Kentucky

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.

Average Annual Auto Insurance Rates by Company in Liberty, Kentucky

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.

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

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