We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Liberty Hill 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 Liberty Hill
The car insurance rate in Liberty Hill is $764 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Liberty Hill 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 $342 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: South Carolina Farm Bureau
South Carolina Farm Bureau offers auto
insurance rates at $444 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National
American National offers auto insurance
rates at $492
for six months, making it
the third cheapest auto insurance company in Liberty Hill.
Liberty Hill Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Liberty Hill, SC is American National P&C, offering policies at just $342 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $444.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1062 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Liberty Hill drivers find the best deals.
Way's key takeaways about car insurance in Liberty Hill
The auto insurance costs in Liberty Hill fall around $342 for six
months.
The cheapest auto insurance company in Liberty Hill is American National.
Teen drivers pay the highest rate in Liberty Hill at $27 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Liberty Hill
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 Liberty Hill are given below.
American National provides
the cheapest minimum car insurance
coverage in Liberty Hill. Their Average 6 Month Premium is $150.
State Farm is the most
expensive at $480 for the same
period.
Cheapest Full Coverage Car Insurance in Liberty Hill
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 Liberty Hill is American National P&C
at $59 per month and $342
for six months.
Cheapest Full Coverage Car Insurance Quotes in Liberty Hill,
SC
Get Your Car Insurance Quote in Liberty Hill
Instantly!
Average Car Insurance in Liberty Hill 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 Liberty Hill, SC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Liberty Hill, South Carolina, may be increasing due to several external factors.
South Carolina has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Liberty Hill's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Liberty Hill
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Liberty Hill,SC
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Liberty Hill at $36
per
month. At $162 for a six-month premium,
American National offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Liberty Hill.
As young drivers face the highest rates in Liberty Hill, N/A
offers the cheapest auto insurance rates at $N/A 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 Liberty Hill,
South Carolina Farm Bureau is
the cheapest car insurance provider. At $450 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
Liberty Hill is State Farm, offering
rates of around $3744 for six
months.
Save up to $971/yr on car insurance rates in Liberty Hill.
Car Insurance Rates with An Accident in Liberty Hill
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 Liberty Hill, SC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Liberty Hill
The cheapest car insurance companies after an at-fault accident in
Liberty Hill include American National
and American National P&C, offering $192
and $246,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1848.
Here is a list of driving violations that can increase your car
insurance rates in Liberty Hill SC. For example, the car
insurance in Liberty Hill
after a DUI increases to $702 for a six
month policy. While the rate increases by $306 for a six-month policy in the case of
a speeding ticket.
Liberty Hill auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1212
$202
One Med/PIP claim
$1212
$206
Not-at-fault accident
$1278
$213
Two Med/PIP claims
$1290
$219
One comp claim
$1296
$216
Two comp claims
$1338
$227
Failure to wear a seat belt
$1386
$231
Child safety restraint
$1416
$240
Driving without lights
$1416
$236
Failure to show documents
$1428
$242
Failure to yield
$1470
$245
Failure to stop at a red light
$1476
$250
Driving too slowly
$1518
$253
Speeding 6 - 10 MPH over limit
$1518
$259
Speeding in school zone
$1518
$253
At-fault accident - less than $1000
$1524
$260
In 65 MPH zone
$1524
$254
Driving with expired registration
$1530
$261
Following too closely
$1530
$255
Illegal turn
$1530
$261
Speeding 11 - 15 MPH over limit
$1530
$255
Wrong way/wrong lane
$1530
$261
Cell phone violation
$1536
$256
Texting while driving
$1536
$262
Improper passing
$1542
$257
Operating a vehicle without permission
$1542
$263
Speeding 16 - 20 MPH over limit
$1542
$257
Speeding 21 - 25 MPH over limit
$1542
$263
Passing school bus
$1566
$261
Open container
$1578
$269
At-fault accident - $1000-$2000
$1740
$290
At-fault accident - greater than $2000
$1740
$296
Refusal to submit to a chemical test
$1890
$315
DUI
$1914
$325
Reckless driving
$1961
$327
Driving with a suspended license
$1967
$334
Racing
$1974
$329
Leaving scene of an accident/hit and run
$2040
$346
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Liberty Hill 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 Liberty Hill.
The cheapest car insurance premiums in
Liberty Hill are
offered by American National P&C at $276 for a six-month policy.
However, it can be as
expensive as $234 with companies
like American National.
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 Liberty Hill are offered by American National P&C
at $246. However,
it can be as expensive as $1134
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Liberty Hill after Speeding ticket
Car Insurance Price Trends in Liberty Hill,
South Carolina
Car insurance rates in Liberty Hill have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Liberty Hill rose by
$176 in December
compared to $174 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 Liberty Hill rose to $59 in December,
compared to $56 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Liberty Hill 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
Liberty Hill. At $1527 for a
six-month policy, insuring
your car at 29074 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Liberty Hill?
The car insurance in Liberty Hill is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Liberty Hill?
The cheapest car insurance in Liberty Hill
is $59 per month
for full coverage.
How much is car insurance in Liberty Hill for teenagers?
Car insurance for teenagers costs $216 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
Liberty Hill?
The average cost of car insurance is $756 for a six-month
policy. It will cost around $128 per month to insure your
car in Liberty Hill.
Is car insurance expensive in Liberty Hill?
Car insurance can be expensive in Liberty Hill if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Liberty Hill can be
affordable.
What is the best car insurance in Liberty Hill,
SC?
The best car insurance company in Liberty Hill
SC is
American National P&C, offering $342 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Liberty Hill right now.
Find Car Insurance Rates in Cities Near Liberty Hill, SC
Car Insurance Rates by State in the USA (2025 Update)
Liberty Hill Car Insurance
