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.

How much is auto insurance in Liberal, KS?
Rank City Premium Per Year
1 Garden City $1,461
2 Liberal $1,418
3 Dodge City $1,407
4 Kansas City $1,342
5 Great Bend $1,210
6 Wichita $1,206
7 Pittsburg $1,202
8 Derby $1,176
9 Emporia $1,169
10 Leavenworth $1,160
11 Topeka $1,148
12 Hays $1,148
13 Shawnee $1,138
14 Junction City $1,138
15 Lawrence $1,134
16 Leawood $1,125
17 Prairie Village $1,117
18 Overland Park $1,116
19 Lenexa $1,115
20 Hutchinson $1,114
21 Olathe $1,102
22 Salina $1,091
23 Gardner $1,088
24 Newton $1,086
25 Manhattan $1,069
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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

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Rankings for the cheapest car insurance companies in Kansas
Rank Company Cost Per Year
1 USAA $766
2 The Hartford $807
3 Auto-Owners $1,085
4 Allied $1,098
5 Travelers $1,106
6 Farmers $1,140
7 Farm Bureau Mutual $1,175
8 Nationwide $1,232
9 State Farm $1,245
10 California Casualty $1,255
11 American Family $1,348
12 Progressive $1,410
13 Liberty Mutual $1,471
14 Auto Club $1,479
15 Safeco $1,485
16 National Farmers Union $1,533
17 GEICO $1,625
18 Electric $1,660
19 Safe Auto $1,775
20 Shelter $1,788
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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.

Cheapest Vehicles to Insure in Liberal, KS
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
Toyota Prius $1,809
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.

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.