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Finding the cheapest car insurance quotes in Liverpool shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Liverpool
The car insurance rate in Liverpool is $700 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in Liverpool 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.
At $328 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners
AutoOwners offers auto
insurance rates at $338 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National P&C
American National P&C offers auto insurance
rates at $455
for six months, making it
the third cheapest auto insurance company in Liverpool.
Liverpool Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Liverpool, PA is AutoOwners Insurance Co, offering policies at just $328 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $338.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1194 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Liverpool drivers find the best deals.
Way's key takeaways about car insurance in Liverpool
The auto insurance costs in Liverpool fall around $328 for six
months.
The cheapest auto insurance company in Liverpool is AutoOwners.
Teen drivers pay the highest rate in Liverpool at $557 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Liverpool
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 Liverpool are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Liverpool. Their Average 6 Month Premium is $69.
Allstate is the most
expensive at $439 for the same
period.
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 Liverpool is AutoOwners Insurance Co
at $54 per month and $328
for six months.
Cheapest Full Coverage Car Insurance Quotes in Liverpool,
PA
Get Your Car Insurance Quote in Liverpool
Instantly!
Average Car Insurance in Liverpool 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 Liverpool, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Liverpool, Pennsylvania, may be increasing due to several external factors.
Pennsylvania has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Liverpool's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Liverpool
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
Travelers
$502
30s
Travelers
$347
40s
Travelers
$327
50s
Travelers
$312
60s
Travelers
$312
70s
Travelers
$368
Cheapest Car Insurance Rates for Teen Drivers in
Liverpool,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Liverpool at $22
per
month. At $3278 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Liverpool.
As young drivers face the highest rates in Liverpool, Travelers
offers the cheapest auto insurance rates at $502 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 Liverpool,
Westfield is
the cheapest car insurance provider. At $206 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
Liverpool is State Farm, offering
rates of around $2839 for six
months.
Save up to $971/yr on car insurance rates in Liverpool.
Car Insurance Rates with An Accident in Liverpool
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 Liverpool, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Liverpool
The cheapest car insurance companies after an at-fault accident in
Liverpool include AutoOwners
and Westfield, offering $69
and $185,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1205.
Here is a list of driving violations that can increase your car
insurance rates in Liverpool PA. For example, the car
insurance in Liverpool
after a DUI increases to $888 for a six
month policy. While the rate increases by $978 for a six-month policy in the case of
a speeding ticket.
Liverpool auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$978
$163
Cell phone violation
$1142
$194
Failure to wear a seat belt
$1142
$190
Failure to stop at a red light
$1153
$196
Illegal turn
$1153
$192
Improper passing
$1153
$196
Speeding in school zone
$1153
$192
Texting while driving
$1153
$196
Driving with expired registration
$1158
$193
Speeding 16 - 20 MPH over limit
$1158
$197
Wrong way/wrong lane
$1169
$195
Open container
$1237
$210
Reckless driving
$1803
$301
Racing
$1834
$312
DUI
$1866
$311
Driving with a suspended license
$1877
$320
Leaving scene of an accident/hit and run
$1893
$315
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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 Liverpool 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 Liverpool.
The cheapest car insurance premiums in
Liverpool are
offered by American National P&C at $286 for a six-month policy.
However, it can be as
expensive as $2215 with companies
like Nationwide.
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 Liverpool are offered by Westfield
at $111. However,
it can be as expensive as $1433
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Liverpool after Speeding ticket
Car Insurance Price Trends in Liverpool,
Pennsylvania
Car insurance rates in Liverpool have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Liverpool rose by
$149 in December
compared to $143 of November. In other words, there has been an increase by $6 when you
compare December and November.
The average cost of liability insurance in the Liverpool remained steady at $33 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Liverpool by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Liverpool. At $1400 for a
six-month policy, insuring
your car at 17045 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Liverpool?
The car insurance in Liverpool is $12 per month, which is lower than the national average.
What is the cheapest car insurance in Liverpool?
The cheapest car insurance in Liverpool
is $54 per month
for full coverage.
How much is car insurance in Liverpool for teenagers?
Car insurance for teenagers costs $133 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
Liverpool?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $117 per month to insure your
car in Liverpool.
Is car insurance expensive in Liverpool?
Car insurance can be expensive in Liverpool if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Liverpool can be
affordable.
What is the best car insurance in Liverpool,
PA?
The best car insurance company in Liverpool
PA is
AutoOwners Insurance Co, offering $328 for a
six-month policy.
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