Cheapest Car Insurance Quotes in Liberty Hill

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Liberty Hill Car Insurance

^$ 42

/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 Liberty Hill

The car insurance rate in Liberty Hill is $1026 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $652, 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.

Avg. Car Insurance in Liberty Hill

$1026

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Liberty Hill

1st place: Texas Farm Bureau

At $652 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $774 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $798 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, TX is Texas Farm Bureau, offering policies at just $652 for a six-month term. This is followed by Mercury, which has an average six-month premium of $774.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1112 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.

Cheap Car Insurance Companies in Liberty Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$652	$110
Mercury	$774	$131
State Farm	$798	$134
AAA Texas	$809	$137
USAA	$891	$150
Redpoint Insurance	$955	$163
Progressive	$1101	$185
Southern County Mutual	$1263	$215
Allstate	$1502	$253
Farmers	$2404	$409
Redpoint County Mutual	$937	$160
Geico County Mutual	$1048	$178
Germania	$419	$70
AAA	$733	$123
National General	$1112	$185

Key Takeaways

Way's key takeaways about car insurance in Liberty Hill

The auto insurance costs in Liberty Hill fall around $652 for six months.
The cheapest auto insurance company in Liberty Hill is Texas Farm Bureau.
Teen drivers pay the highest rate in Liberty Hill at $72 per month.

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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.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Liberty Hill. Their Average 6 Month Premium is $250. Germania is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Liberty Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$250	$42
USAA	$279	$47
Progressive	$291	$49
State Farm	$297	$50
Redpoint Insurance	$326	$54
Mercury	$378	$64
AAA Texas	$419	$70
Allstate	$576	$97
Farmers	$949	$158
Redpoint County Mutual	$315	$52
Geico County Mutual	$326	$56
National General	$361	$60
Germania	$419	$72

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 Texas Farm Bureau at $110 per month and $652 for six months.

Cheapest Full Coverage Car Insurance Quotes in Liberty Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$652	$110
Mercury	$774	$131
State Farm	$798	$134
AAA Texas	$809	$137
USAA	$891	$150
Redpoint Insurance	$955	$163
Progressive	$1101	$185
Southern County Mutual	$1263	$215
Allstate	$1502	$253
Farmers	$2404	$409
Redpoint County Mutual	$937	$160
Geico County Mutual	$1048	$178
Germania	$419	$70
AAA	$733	$123
National General	$1112	$185

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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, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Liberty Hill, Texas, may be increasing due to several external factors. Texas 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
30s	Texas Farm Bureau	$685
40s	Nationwide	$680
50s	Texas Farm Bureau	$607
60s	Texas Farm Bureau	$561
70s	Texas Farm Bureau	$602

Cheapest Car Insurance Rates for Teen Drivers in Liberty Hill,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Liberty Hill at $55 per month. At $431 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$332	$55
Southern County Mutual	$431	$74
Mercury	$466	$77
AAA Texas	$530	$90
Texas Farm Bureau	$1158	$195
USAA	$1263	$213
State Farm	$1310	$221
Allstate	$3289	$554
Progressive	$5611	$945
Farmers	$7847	$1334
Redpoint County Mutual	$320	$55
Geico County Mutual	$431	$72

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Liberty Hill.

As young drivers face the highest rates in Liberty Hill, Texas Farm Bureau offers the cheapest auto insurance rates at $685 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, Mercury is the cheapest car insurance provider. At $507 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 $4395 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$507	$86
Foremost	$606	$101
AAA Texas	$646	$110
Dairyland	$751	$125
Allstate	$984	$168
USAA	$1007	$168
Texas Farm Bureau	$1135	$193
Progressive	$1572	$265
Farmers	$3982	$677
State Farm	$4395	$732

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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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $332 and $402, respectively. National General is an expensive provider with an average six-month premium of $564.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$332	$55
Southern County Mutual	$402	$69
State Farm	$617	$104
AAA Texas	$623	$106
Mercury	$757	$126
USAA	$925	$156
Texas Farm Bureau	$1024	$172
Progressive	$1903	$320
Allstate	$2142	$361
Farmers	$6607	$1123
Redpoint County Mutual	$320	$53
Geico County Mutual	$402	$69
National General	$564	$96

Liberty Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Liberty Hill TX. For example, the car insurance in Liberty Hill after a DUI increases to $769 for a six month policy. While the rate increases by $181 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	$1257	$210
One Med/PIP claim	$1269	$216
One comp claim	$1333	$222
Not-at-fault accident	$1345	$228
Two Med/PIP claims	$1350	$225
Failure to show documents	$1397	$237
Driving with expired registration	$1408	$235
Two comp claims	$1420	$241
Cell phone violation	$1432	$239
Driving without lights	$1432	$243
Texting while driving	$1432	$239
Driving too slowly	$1438	$244
Speeding 11 - 15 MPH over limit	$1438	$240
Speeding 16 - 20 MPH over limit	$1438	$244
Speeding 6 - 10 MPH over limit	$1438	$240
Speeding in school zone	$1438	$244
Child safety restraint	$1444	$241
Failure to wear a seat belt	$1444	$245
In 65 MPH zone	$1449	$242
Failure to stop at a red light	$1455	$248
Failure to yield	$1455	$243
Following too closely	$1455	$248
Illegal turn	$1455	$243
Improper passing	$1455	$248
Speeding 21 - 25 MPH over limit	$1455	$243
Passing school bus	$1461	$249
Wrong way/wrong lane	$1461	$243
Operating a vehicle without permission	$1467	$250
At-fault accident - less than $1000	$1525	$254
Open container	$1717	$292
Driving with a suspended license	$1782	$297
Racing	$1887	$320
Reckless driving	$1887	$315
Leaving scene of an accident/hit and run	$1933	$328
At-fault accident - $1000-$2000	$1938	$323
Refusal to submit to a chemical test	$1996	$339
DUI	$2026	$338
At-fault accident - greater than $2000	$2107	$359

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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 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 Mercury at $501 for a six-month policy. However, it can be as expensive as $3033 with companies like Farmers.

Liberty Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$83
Foremost	$564	$96
Dairyland	$617	$103
AAA Texas	$652	$111
State Farm	$815	$137
Texas Farm Bureau	$966	$165
Progressive	$1222	$206
USAA	$1251	$211
Allstate	$1595	$269
Nationwide	$1647	$280
Farmers	$3033	$506

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 Liberty Hill are offered by State Farm at $454. However, it can be as expensive as $3301 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Liberty Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$454	$76
Texas Farm Bureau	$501	$85
Mercury	$518	$86
AAA Texas	$553	$94
USAA	$728	$122
Allstate	$984	$168
Progressive	$1694	$282
Farmers	$3301	$562

Car Insurance Price Trends in Liberty Hill, Texas

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 remained steady at $203 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Liberty Hill rose to $63 in December, compared to $61 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Liberty Hill?

The car insurance in Liberty Hill is $42 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 $110 per month for full coverage.

How much is car insurance in Liberty Hill for teenagers?

Car insurance for teenagers costs $332 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 $1047 for a six-month policy. It will cost around $173 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.

Cheapest Car Insurance Quotes in Liberty Hill

Why you can trust Way?

How Much Is Car Insurance in Liberty Hill

Avg. Car Insurance in Liberty Hill

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Liberty Hill

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Liberty Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Liberty Hill, TX

Way's key takeaways about car insurance in Liberty Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Liberty Hill

Cheapest Liability Coverage in Liberty Hill, TX

Cheapest Full Coverage Car Insurance in Liberty Hill

Cheapest Full Coverage Car Insurance Quotes in Liberty Hill, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Liberty Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Liberty Hill, TX increasing?

Car Insurance Premiums by Age in Liberty Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Liberty Hill,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Liberty Hill.

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 Liberty Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Liberty Hill

Liberty Hill Car Insurance Rates by Violation

Liberty Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Liberty Hill after a DUI

Liberty Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Liberty Hill after Speeding ticket

Car Insurance Price Trends in Liberty Hill, Texas

Average Car Insurance Cost in Liberty Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Liberty Hill, TX

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

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