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Get Cheap Car Insurance in Liberty Area, Lexington, KY
We monitor insurance prices, helping the average driver in Liberty Area save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Liberty Area
The chart below shows the cheapest car insurance company in Liberty Area for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Liberty Area Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $62 |
| State Farm | $62 |
| Travelers | $91 |
| Geico | $98 |
Savings for Every Kind of Liberty Area Driver
Based on our extensive insurance data, we know the average Liberty Area driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $552 per year by choosing the right vehicle insurance company. Some Liberty Area residents are paying out over $2,185 extra every year for auto insurance in Liberty Area. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Liberty Area, Lexington, KY Savings / Yr. |
|---|---|
$552 |
|
$905 |
|
$891 |
|
$901 |
|
$1,784 |
|
$597 |
|
$956 |
Liberty Area Car Insurance vs. Lexington
People living in Liberty Area pay an average of 2.38% more than the typical driver in the state. The average driver in Liberty Area can expect to pay about $1,125 per year, or $2,185 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Liberty Area for most people.
Car Insurance Prices by Liberty Area Neighborhood
Insurance Prices
Where is insurance cheapest within Liberty Area?
The map shows insurance prices in and around Liberty Area, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $230 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,297 to a low of $2,067. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Liberty Area.Pick the Best Car Insurance Company for You in Liberty Area
The best car insurance provider for most drivers in Liberty Area
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $552 over the average Liberty Area car insurance company.
The best car insurance provider for Liberty Area drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $905 over the competition.
The best car insurance company for Liberty Area drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $891 better than other car insurance companies.
The best auto insurance for Liberty Area drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $901 less each year.
The least expensive car insurance company for new and young drivers in Liberty Area
In Liberty Area, State Farm costs young drivers $1,784 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Liberty Area
State Farm gave the largest car insurance discounts to married couples, averaging $597 saved each year compared to an average Liberty Area couple's premiums.
The cheapest car insurance in Liberty Area for drivers with bad credit
The best Liberty Area car insurance company for customer service
Nationwide was the best company for customer service in Liberty Area according to the NAIC.
Recent price drops
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The cheapest large national provider in Liberty Area
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Liberty Area driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Liberty Area, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Liberty Area
What Influences the Cost of Car Insurance in Liberty Area?
On average, car insurance in Liberty Area is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Liberty Area is 25 minutes, which is about the national average for a driver in the city.
- Kentucky state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Liberty Area are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Liberty Area is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Liberty Area is $94 per month for minimum coverage and $182 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Eastland Park-Dixie Plantation: Insurance costs 2.29% more
- Idle Hour: Insurance costs 0.92% more
- Fairway-Liberty Heights: Insurance costs 2.84% less
- Kenawood-Rockwood: Insurance costs 1.24% more
- Castlewood Park: Insurance costs 2.97% more
- Chevy Chase-Ashland Park: Insurance costs 3.75% less
- Reservorir: Insurance costs 3.62% less
- Duncan Park: Insurance costs 6.68% more
- Mount Vernon-Hollywood-Montclair: Insurance costs 3.52% less
- Downtown Lexington: Insurance costs 0.55% more
Neighborhoods with Similar Populations
- Beard: Insurance costs 9.98% less
- Winship: Insurance costs 84.21% more
- Temple Crest: Insurance costs 40.82% more
- Sunnyside: Insurance costs 2.29% less
- St. Dennis: Insurance costs 10.21% more
- South Central Improvemen: Insurance costs 23.94% less
- Parker Lane: Insurance costs 13.14% less
- Jomacha-Lomita: Insurance costs 1.10% less
- Hilltop: Insurance costs 3.89% less
- Hayward Highland: Insurance costs 2.47% less