Cheapest Car Insurance Quotes in Liberal

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399,755 Policies Sold

Liberal Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Liberal

The car insurance rate in Liberal is $1060 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Liberal can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Liberal

$1060

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Liberal

1st place: AutoOwners Insurance Co

At $509 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $751 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $798 for six months, making it the third cheapest auto insurance company in Liberal.

Liberal Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Liberal, KS is AutoOwners Insurance Co, offering policies at just $509 for a six-month term. This is followed by Travelers, which has an average six-month premium of $751.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Liberal drivers find the best deals.

Cheap Car Insurance Companies in Liberal, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$509	$85
Travelers	$751	$127
American Family	$798	$134
USAA	$798	$134
Nationwide	$869	$146
Shelter	$941	$158
Auto-Owners	$1078	$179
State Farm	$1091	$184
Progressive	$1196	$201
Farmers	$1229	$207
Encompass	$1385	$231
Farm Bureau	$1458	$248
Allstate	$1692	$285

Key Takeaways

Way's key takeaways about car insurance in Liberal

The auto insurance costs in Liberal fall around $509 for six months.
The cheapest auto insurance company in Liberal is USAA.
Teen drivers pay the highest rate in Liberal at $846 per month.

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Cheapest Minimum Liability Car Insurance in Liberal

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Liberal are given below.

USAA provides the cheapest minimum car insurance coverage in Liberal. Their Average 6 Month Premium is $176. Encompass is the most expensive at $262 for the same period.

Cheapest Liability Coverage in Liberal, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$176	$30
Auto-Owners Insurance Co	$183	$31
Iowa Farm Bureau	$229	$39
Farmers Union Insurance	$242	$41
Travelers	$249	$42
Auto-Owners	$262	$44
Electric	$262	$44
Kansas Farm Bureau	$274	$46
Progressive	$281	$47
American Family	$287	$48
State Farm	$287	$48
Farm Bureau	$294	$50
Shelter	$333	$56
Farmers	$477	$80
Allstate	$634	$107
Encompass	$262	$44

Cheapest Full Coverage Car Insurance in Liberal

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Liberal is AutoOwners Insurance Co at $85 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Liberal, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$509	$85
Travelers	$751	$127
American Family	$798	$134
USAA	$798	$134
Nationwide	$869	$146
Shelter	$941	$158
Auto-Owners	$1078	$179
State Farm	$1091	$184
Progressive	$1196	$201
Farmers	$1229	$207
Encompass	$1385	$231
Farm Bureau	$1458	$248
Allstate	$1692	$285

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Average Car Insurance in Liberal by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Liberal, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Liberal, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Liberal's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Liberal

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$840
30s	Nationwide	$723
40s	Nationwide	$585
50s	Nationwide	$536
60s	Nationwide	$510
70s	Nationwide	$554

Cheapest Car Insurance Rates for Teen Drivers in Liberal,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Liberal at $41 per month. At $5025 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Iowa Farm Bureau	$268	$45
Farmers Union Insurance	$281	$47
Kansas Farm Bureau	$360	$59
Travelers	$778	$131
American Family	$1372	$231
USAA	$1627	$274
State Farm	$2294	$386
Shelter	$2555	$430
Progressive	$2574	$433
Farmers	$2967	$499
Farm Bureau	$3280	$547
Allstate	$5025	$846

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Liberal.

As young drivers face the highest rates in Liberal, Nationwide offers the cheapest auto insurance rates at $840 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Liberal, Iowa Farm Bureau is the cheapest car insurance provider. At $438 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Liberal is State Farm, offering rates of around $4613 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$438	$75
Farmers Union Insurance	$444	$74
Nationwide	$477	$81
Travelers	$836	$141
USAA	$1065	$182
Progressive	$1091	$184
Shelter	$1183	$199
American Family	$1209	$204
Farmers	$1569	$264
Farm Bureau	$2692	$449
Allstate	$2823	$480
State Farm	$4613	$769

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Save up to $971/yr on car insurance rates in Liberal.

Car Insurance Rates with An Accident in Liberal

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Liberal, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Liberal

The cheapest car insurance companies after an at-fault accident in Liberal include AutoOwners Insurance Co and Electric, offering $222 and $314, respectively. Encompass is an expensive provider with an average six-month premium of $360.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$222	$37
Electric	$314	$53
Iowa Farm Bureau	$353	$58
Farmers Union Insurance	$373	$64
Auto-Owners	$392	$65
Kansas Farm Bureau	$496	$85
Travelers	$562	$95
USAA	$647	$109
State Farm	$718	$121
American Family	$765	$129
Shelter	$1007	$169
Progressive	$1267	$213
Farmers	$2202	$371
Farm Bureau	$2209	$375
Allstate	$2444	$411
Encompass	$360	$62

Liberal Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Liberal KS. For example, the car insurance in Liberal after a DUI increases to $1118 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Liberal auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1280	$213
One Med/PIP claim	$1280	$218
Not-at-fault accident	$1313	$219
Two Med/PIP claims	$1372	$233
One comp claim	$1378	$230
Failure to show documents	$1418	$241
Two comp claims	$1431	$239
Failure to wear a seat belt	$1444	$245
Child safety restraint	$1483	$248
Driving with expired registration	$1483	$252
Driving without lights	$1483	$248
Speeding 6 - 10 MPH over limit	$1529	$260
Cell phone violation	$1549	$259
Driving too slowly	$1549	$263
Texting while driving	$1549	$259
Failure to yield	$1562	$265
Following too closely	$1562	$261
Illegal turn	$1562	$265
Wrong way/wrong lane	$1562	$261
In 65 MPH zone	$1569	$266
Speeding 11 - 15 MPH over limit	$1569	$262
Failure to stop at a red light	$1575	$267
Improper passing	$1575	$263
Speeding in school zone	$1575	$267
Speeding 16 - 20 MPH over limit	$1581	$264
Open container	$1594	$271
Operating a vehicle without permission	$1607	$268
Passing school bus	$1620	$275
Speeding 21 - 25 MPH over limit	$1620	$271
At-fault accident - less than $1000	$1640	$279
At-fault accident - $1000-$2000	$1810	$301
At-fault accident - greater than $2000	$1810	$308
Racing	$2000	$333
Reckless driving	$2169	$369
Driving with a suspended license	$2352	$392
Refusal to submit to a chemical test	$2378	$405
DUI	$2398	$399
Leaving scene of an accident/hit and run	$2496	$425

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Liberal after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Liberal.

The cheapest car insurance premiums in Liberal are offered by Farmers Union Insurance at $431 for a six-month policy. However, it can be as expensive as $3463 with companies like Farm Bureau.

Liberal car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$431	$74
Travelers	$595	$100
American Family	$706	$119
Progressive	$798	$134
State Farm	$974	$164
USAA	$1254	$211
Shelter	$1438	$242
Farmers	$1464	$246
Allstate	$2104	$354
Farm Bureau	$3463	$578

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Liberal are offered by Iowa Farm Bureau at $287. However, it can be as expensive as $3738 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Liberal after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$287	$48
Auto-Owners Insurance Co	$300	$51
Farmers Union Insurance	$320	$54
Travelers	$634	$107
American Family	$686	$116
USAA	$693	$116
State Farm	$706	$119
Progressive	$947	$160
Farm Bureau	$1249	$212
Shelter	$1392	$232
Farmers	$1496	$252
Allstate	$3738	$623

Car Insurance Price Trends in Liberal, Kansas

Car insurance rates in Liberal have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Liberal rose by $204 in December compared to $202 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Liberal rose to $51 in December, compared to $50 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Liberal?

The car insurance in Liberal is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Liberal?

The cheapest car insurance in Liberal is $85 per month for full coverage.

How much is car insurance in Liberal for teenagers?

Car insurance for teenagers costs $242 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Liberal?

The average cost of car insurance is $964 for a six-month policy. It will cost around $178 per month to insure your car in Liberal.

Is car insurance expensive in Liberal?

Car insurance can be expensive in Liberal if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Liberal can be affordable.

Cheapest Car Insurance Quotes in Liberal

Why you can trust Way?

How Much Is Car Insurance in Liberal

Avg. Car Insurance in Liberal

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Liberal

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Liberal Car Insurance Rates by Company

Cheap Car Insurance Companies in Liberal, KS

Way's key takeaways about car insurance in Liberal

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Liberal

Cheapest Liability Coverage in Liberal, KS

Cheapest Full Coverage Car Insurance in Liberal

Cheapest Full Coverage Car Insurance Quotes in Liberal, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Liberal by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Liberal, KS increasing?

Car Insurance Premiums by Age in Liberal

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Liberal,KS

If you are in your twenties Nationwide is the best choice for car insurance in Liberal.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Liberal

Cheapest Car Insurance Companies after an At-Fault Accident in Liberal

Liberal Car Insurance Rates by Violation

Liberal auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Liberal after a DUI

Liberal car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Liberal after Speeding ticket

Car Insurance Price Trends in Liberal, Kansas

Average Car Insurance Cost in Liberal by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Liberal, KS

Car Insurance Rates by State in the USA (2025 Update)

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