Cheap Quotes for Liberal, KS Car Insurance (2021)

Liberal, Kansas car insurance rates average $315 a month and Kansas law requires coverage of at least 25/50/25. By comparing rates from multiple Liberal, KS companies, you can find cheap Liberal car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Liberal, KS are $315/month
  • Average car insurance rates in Liberal, KS for senior drivers are $2,251/year
  • The cheapest car insurance company in Liberal is American Family

How do the Liberal, Kansas monthly average car insurance rates of $315/month compare to nearby cities like Olathe car insurance rates, Manhattan car insurance rates, and Topeka car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Liberal, KS.

We’ll cover the Kansas minimum coverage requirements, Kansas car insurance laws, and Liberal, KS statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Liberal, Kansas companies to find the most affordable Liberal car insurance rates.

Enter your ZIP code above to find cheap Liberal, KS car insurance quotes today.

What are the minimum Liberal, KS car insurance requirements?

To meet Kansas minimum car insurance coverage requirements, Liberal, KS drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Liberal, Kansas

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

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How do age, gender, and marital status affect Liberal, KS car insurance rates?

Three of the criteria that most affect car insurance rates in Liberal, Kansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Liberal car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Liberal, Kansas

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 $3,611 $3,574 $3,150 $3,257 $9,016 $9,926 $3,822 $4,010
American Family $1,836 $1,836 $1,656 $1,656 $3,472 $4,152 $1,836 $2,054
Farmers $2,742 $2,729 $2,452 $2,556 $7,280 $7,550 $3,080 $3,246
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,666 $2,889 $2,495 $2,789 $11,509 $12,876 $2,959 $3,214
Nationwide $1,908 $1,976 $1,691 $1,832 $3,764 $4,640 $2,198 $2,347
Progressive $2,756 $2,667 $2,228 $2,306 $9,420 $10,679 $3,261 $3,483
State Farm $1,881 $1,881 $1,640 $1,640 $4,912 $6,271 $2,111 $2,383
Travelers $2,479 $2,541 $2,339 $2,393 $9,383 $14,793 $2,520 $3,098
USAA $1,573 $1,621 $1,424 $1,461 $4,983 $5,299 $2,065 $2,192

How much do teen drivers pay for car insurance in Liberal, KS?

Liberal, Kansas car insurance rates for teens are often higher than rates for other drivers. Compare Liberal car insurance rates from multiple Liberal, Kansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Liberal, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,016 $9,926
American Family $3,472 $4,152
Farmers $7,280 $7,550
GEICO $5,374 $7,167
Liberty Mutual $11,509 $12,876
Nationwide $3,764 $4,640
Progressive $9,420 $10,679
State Farm $4,912 $6,271
Travelers $9,383 $14,793
USAA $4,983 $5,299

How much do senior drivers pay for car insurance in Liberal, KS?

With a little research, seniors can find affordable car insurance in Liberal, Kansas. Here’s a look at how the top Liberal car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Liberal, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,150 $3,257
American Family $1,656 $1,656
Farmers $2,452 $2,556
GEICO $3,138 $2,920
Liberty Mutual $2,495 $2,789
Nationwide $1,691 $1,832
Progressive $2,228 $2,306
State Farm $1,640 $1,640
Travelers $2,339 $2,393
USAA $1,424 $1,461

How does coverage level affect Liberal, KS car insurance rates?

How much coverage do you need? Are you comfortable with the Kansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Liberal, KS car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Liberal, Kansas

Insurance Company Low Medium High
Allstate $4,930 $5,037 $5,170
American Family $2,342 $2,429 $2,165
Farmers $3,801 $3,934 $4,129
GEICO $3,772 $3,855 $3,949
Liberty Mutual $5,062 $5,163 $5,299
Nationwide $2,688 $2,515 $2,430
Progressive $4,388 $4,569 $4,843
State Farm $2,744 $2,847 $2,928
Travelers $4,728 $4,950 $5,153
USAA $2,515 $2,573 $2,644

How does your driving record affect Liberal, KS car insurance rates?

Safe driving pays off. The more traffic violations you have in Liberal, KS, the higher your car insurance rates will be. Compare rates based on driving infractions from top Liberal, Kansas companies.

Annual Liberal, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,429 $5,130 $5,735 $4,890
American Family $2,275 $2,425 $2,275 $2,275
Farmers $3,342 $4,284 $4,176 $4,016
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,953 $5,836 $5,741 $5,169
Nationwide $1,894 $2,186 $3,919 $2,179
Progressive $4,258 $4,955 $4,431 $4,756
State Farm $2,641 $3,038 $2,840 $2,840
Travelers $3,690 $4,719 $6,399 $4,966
USAA $1,897 $2,529 $3,713 $2,170

How does a DUI affect Liberal, KS car insurance rates?

With even one DUI on your record, you can see an increase in your Liberal, KS car insurance rates.

Annual Car Insurance Rates After a DUI in Liberal, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,735
American Family $2,275
Farmers $4,176
GEICO $6,215
Liberty Mutual $5,741
Nationwide $3,919
Progressive $4,431
State Farm $2,840
Travelers $6,399
USAA $3,713

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How does your credit history affect Liberal, KS car insurance rates?

Take a look at the data here to see how your Liberal, Kansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Liberal, Kansas

Insurance Company Poor Fair Good
Allstate $6,285 $4,721 $4,132
American Family $3,017 $2,140 $1,779
Farmers $4,657 $3,707 $3,500
GEICO $5,995 $3,174 $2,408
Liberty Mutual $5,175 $5,175 $5,175
Nationwide $2,837 $2,482 $2,315
Progressive $5,324 $4,417 $4,060
State Farm $4,135 $2,471 $1,913
Travelers $5,747 $4,634 $4,449
USAA $3,553 $2,300 $1,879

How does your commute affect Liberal, KS car insurance rates?

Liberal, KS car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Kansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Liberal if you’re financing.

Annual Car Insurance Rates by Commute Length in Liberal, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,046 $5,046
American Family $2,282 $2,342
Farmers $3,955 $3,955
GEICO $3,773 $3,945
Liberty Mutual $5,175 $5,175
Nationwide $2,544 $2,544
Progressive $4,600 $4,600
State Farm $2,770 $2,910
Travelers $4,943 $4,943
USAA $2,500 $2,655

Who has the cheapest Liberal, KS car insurance rates?

Here’s a breakdown of Liberal, Kansas car insurance rates by company. You can see which company offers the cheapest Liberal car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Liberal, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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What are the top Liberal, KS car insurance companies?

Which Liberal, Kansas car insurance company will best fit your needs and budget? Check out this comparison of the top Liberal companies to find the one for you.

Average Annual Car Insurance Rates by Company in Liberal, Kansas

Insurance Company Average Annual Rates
Allstate $5,046
American Family $2,312
Farmers $3,955
GEICO $3,859
Liberty Mutual $5,175
Nationwide $2,544
Progressive $4,600
State Farm $2,840
Travelers $4,943
USAA $2,577

What factors affect Liberal, KS car insurance rates?

Why are Liberal, Kansas car insurance rates different than rates in Olathe or Manhattan? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Liberal, KS?

More time spent behind the wheel can lead to higher Liberal, Kansas car insurance rates. In Liberal, KS, the average commute length is 14.8 minutes.

Car Insurance Quotes for Liberal, KS

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