One of the many components that determine the price you pay for insurance is your address. Cities with larger populations tend to pay slightly more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The next table lists the most expensive areas in Kansas to purchase car insurance in. Liberal ranks #2 with an annual rate of $1,418 for coverage, which is around $118 per month.
|Rank||City||Premium Per Year|
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Rate information is comparative as specific Liberal garaging address can increase or decrease premium rates greatly.
Seeing where Liberal ranks compared to other cities, buying low-priced car insurance is easier said than done, and determining which companies quote the best insurance rates in Liberal will require even more diligence. Each auto insurer has their own guidelines to set policy rates, so to begin we'll rank the overall cheapest insurance companies in Liberal, KS.
Best Car Insurance Prices in Liberal
|Rank||Company||Cost Per Year|
|7||Farm Bureau Mutual||$1,175|
|16||National Farmers Union||$1,533|
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USAA offers some of the most affordable car insurance rates in Liberal at around $766 each year. This is $652 less than the average rate paid by Kansas drivers of $1,418. The Hartford, Auto-Owners, Allied, and Travelers also qualify as some of the lowest-priced Liberal, KS auto insurance companies.
As shown in the table above, if you currently have a policy with The Hartford and switched to USAA, you may realize savings of around $41. Drivers with Auto-Owners could save as much as $319 a year, and Allied customers might lower prices by up to $332 a year.
To find out how much you can save, click here to start your free quote or click through to the companies below.
It's important to note that these policy rates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific zip code in Liberal. So the auto insurance company that is best suited for you may not even be in the top 23 companies in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Don't make the mistake of not shopping around
Liberal, KS insurance rates are based on many factors which can substantially decrease or increase the price you pay for coverage. Simply having another birthday, increasing deductibles, or getting a couple of tickets can trigger rate changes resulting in some rates now being cheaper than before. In addition, insurers amend premium rates as often as every quarter in order to offset underwriting gains or losses. A period of increased losses can cause additional premium costs, while a profitable period may cause cheaper Liberal car insurance rates.
To help illustrate this point, the graph below shows which companies have the cheapest car insurance in Liberal, KS for a 45-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we estimate rates based on his current rating profile, USAA offers the lowest car insurance rates in Liberal at $1,018 annually. This is $400 less than the average rate paid by Kansas drivers of $1,418. The Hartford, Travelers, Auto-Owners, and Allied are the remainder of the cheapest Liberal, KS auto insurance companies.
Now we will give the driver from the first example a claim, bad credit, and a speeding citation. Due to the fact that every insurance company has their own unique process to establish rates, getting updated rate quotes most likely will result in a slightly different list of cheap Liberal auto insurance companies as shown below.
The Hartford now has the cheapest insurance rate in Liberal, KS with Farmers, Nationwide, State Farm, and California Casualty now being in the top five. This example illustrates why it is critical to compare as many rates as possible when trying to find the most economical insurance rates in Liberal. Car insurance prices are influenced by many risk factors and change frequently, so the best price a year ago may now be costing you a lot of money.
The vehicle model to be insured is probably the most important factor when quoting cheaper coverage in Liberal. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The next list shows insurance rates for a handful of the most cost-effective automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,427|
|Ford F-150 XLT Super Cab 4WD||$1,633|
|Hyundai Elantra GLS Touring Station Wagon||$1,641|
|Toyota Tacoma Double Cab 4WD||$1,690|
|Dodge Grand Caravan Crew||$1,722|
|Honda Accord EX 4-Dr Sedan||$1,752|
|Toyota Corolla LE||$1,776|
|Honda CR-V EX-L 4WD||$1,793|
|Hyundai Sonata GLS 4-Dr Sedan||$1,812|
|Kia Optima LX||$1,820|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,874|
|Ford Focus SE 2-Dr Coupe||$1,898|
|Volkswagen Jetta 2.0T Station Wagon||$1,909|
|Ford Edge SE 2WD||$1,923|
|Honda Odyssey LX||$1,933|
|Dodge Ram 2500 Mega Cab SLT 2WD||$2,021|
|Chevrolet Impala LS||$2,031|
|Honda Civic DX 4-Dr Sedan||$2,038|
|GMC Sierra SL Crew Cab 2WD||$2,072|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in your specific Liberal, KS location which can increase or decrease price quotes greatly.
By looking at the data, we can expect cars like the Ford Escape, Ford F-150, and Hyundai Elantra will definitely be a few of the cheapest vehicles to insure for drivers in Liberal.
Discounts on Liberal insurance rates
Car insurance companies that offer cheap quotes in Liberal may also provide policy discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. A list of car insurance companies and some of their more popular discounts are shown below.
- State Farm may offer discounts for anti-theft, safe vehicle, Steer Clear safe driver discount, passive restraint, and multiple autos.
- Progressive offers discounts for good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
- Travelers may include discounts for payment discounts, save driver, student away at school, multi-car, and hybrid/electric vehicle.
- American Family discounts include early bird, Steer into Savings, good driver, multi-vehicle, good student, TimeAway discount, and air bags.
- Liberty Mutual policyholders can earn discounts including multi-policy, newly married, new graduate, safety features, teen driver discount, new vehicle discount, and multi-car.
The chart below visualizes the comparison of insurance premiums with and without policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, Kansas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, claim-free, defensive driving course, passive restraint, multiple vehicle, and homeowner discounts applied. In this example, the average savings per year on car insurance in Liberal is 28% or $505.