Buy Cheap Liberty, KY Auto Insurance (2022)

Liberty, KY auto insurance rates average $385 a month. Minimum auto insurance requirements in Liberty, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Liberty, KY, compare Liberty auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Liberty after a DUI is GEICO
  • Average auto insurance rates in Liberty, KY for teens drivers are $9,123/year
  • Average auto insurance rates in Liberty, KY after a DUI are $5,573/year

Finding affordable Liberty, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Liberty, KY auto insurance with confidence is right here. Auto insurance rates in Liberty are affected by local factors as well as personal ones like your driving record.

See how Liberty, KY car insurance rates compare to Nicholasville auto insurance rates, Henderson auto insurance rates, and Florence auto insurance rates before you read more about the cost of auto insurance in Liberty.

Don’t buy Liberty, KY auto insurance until you’ve compared rates. Get free Liberty, Kentucky auto insurance quotes when you enter your ZIP code above.

Liberty, KY Minimum Auto Insurance Requirements

The required auto insurance in Liberty, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Liberty, Kentucky is outlined here.

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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Find Cheap Liberty, KY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Liberty, KY. Take a look at Liberty, Kentucky auto insurance rates by credit history.

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

Buy Cheap Liberty, KY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Liberty, Kentucky auto insurance rates? Find out how car insurance rates in Liberty, KY are impacted by demographics.

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

Buy Cheap Liberty, KY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Liberty can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Liberty, KY are listed here.

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

Buy Cheap Liberty, KY Auto Insurance for Seniors

You can save on senior auto insurance rates in Liberty, Kentucky by comparing Liberty senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Liberty, KY here.

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

Find Cheap Auto Insurance Rates in Liberty, KY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Liberty, Kentucky auto insurance. Compare Liberty, KY 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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Find Cheap Liberty, KY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Liberty. Compare auto insurance rates in Liberty, KY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Liberty, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Liberty, KY Auto Insurance Rates by Driving Record

Auto insurance rates in Liberty, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Liberty, KY, take a look at the average cost for various violations versus rates for a clean driving record in Liberty.

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

Find Cheap Liberty, KY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Liberty, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Liberty for less when you shop around and compare rates from multiple Liberty, KY auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Liberty, KY

Compare rates from the cheapest auto insurance companies in Liberty, KY for your needs. Take a look at how Liberty, Kentucky auto insurance companies stack up for each category.

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

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Find Cheap Liberty, Kentucky Auto Insurance Companies

If you’re looking for the cheapest Liberty, KY auto insurance companies overall, you can compare them here. Find the best price for Liberty, Kentucky car insurance by company.

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 Liberty, Kentucky auto insurance rates?

Local factors affect auto insurance rates in Liberty, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Liberty auto insurance rates.

Commute Times in Liberty

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Liberty, KY is 21.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Liberty, KY

You can buy cheap Liberty, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Liberty, Kentucky auto insurance quotes from top companies.

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