Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Liberty, KY are $385/month
  • The cheapest car insurance company in Liberty for teen drivers is USAA
  • Average car insurance rates in Liberty, KY for senior drivers are $2,586/year

Average car insurance rates in Liberty, Kentucky are $385 a month. But with a little research you can get a great deal from the top car insurance companies in Liberty, KY. Before you buy Liberty, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Liberty car insurance rates with Independence car insurance rates, Henderson car insurance rates, or Hopkinsville car insurance rates to make sure you’re getting the best Liberty, KY car insurance quotes available.

Need affordable Liberty, KY car insurance? Enter your ZIP code to compare Liberty car insurance quotes from multiple car insurance companies near you.

Liberty, KY Minimum Car Insurance Coverage

Liberty, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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

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

secured lock Secured with SHA-256 Encryption

Liberty, KY Car Insurance Rates by Coverage Level

Some Liberty drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Liberty, Kentucky car insurance rates may be based on the coverage you need.

Annual Car 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

Liberty, KY Car Insurance Rates by Age, Gender, and Marital Status

Liberty, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Liberty, KY car insurance, get quotes from multiple car insurance companies in the Liberty area and see how these criteria affect your rates.

Annual Car 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

Liberty, KY Car Insurance Rates for Teens

How much is Liberty, Kentucky car insurance for teens? Compare rates from top Liberty car insurance companies below to help find the cheapest teen car insurance in Liberty, KY.

Annual Car 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

Liberty, KY Car Insurance Rates for Seniors

Before seniors buy Liberty, Kentucky car insurance, they should make sure to shop around. Some Liberty, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Liberty, KY Car Insurance Rates by Credit History

How does your credit history affect Liberty, KY car insurance rates? Review the numbers here to find out.

Annual Car 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

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

secured lock Secured with SHA-256 Encryption

Liberty, KY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Liberty, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Liberty.

Annual Liberty, Kentucky Car 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

Liberty, KY Car Insurance Rates With a DUI

Even a single DUI can increase your Liberty, KY car insurance rates. Compare rates below to see which Liberty car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Liberty, Kentucky

Insurance Company Annual Car 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

Liberty, KY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Liberty, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Liberty companies based on commute time.

Annual Car 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

Liberty, KY Cheapest Car Insurance Rates

How do the top Liberty, Kentucky car insurance companies’ average rates stack up against the Liberty average monthly car insurance rates of $385? Take a look and see.

Best Annual Car 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

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

secured lock Secured with SHA-256 Encryption

Liberty, KY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Liberty, Kentucky car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Liberty, KY Car Insurance Rates

Before you buy Liberty, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Liberty, KY Commute Time

How does your Liberty, KY commute time compare with the average driver? In Liberty, the average commute is 21.8 minutes.

Liberty, KY Car Insurance Quotes

Compare Liberty, KY car insurance quotes from multiple companies by entering your ZIP code now.