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Get Cheap Car Insurance in Liberty County, FL

We monitor insurance prices, helping the average driver in Liberty County save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Liberty County

The chart below shows the cheapest car insurance company in Liberty County 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 Geico, followed by State Farm, Gainsco, and Bristol West.

 
Liberty County Insurer Monthly Cost
Geico $114
State Farm $121
Gainsco $158
Bristol West $158

Savings for Every Kind of Liberty County Driver

The table shows how much the average auto insurance customer in Liberty County might save by following our recommendations.

Based on our extensive insurance data, we know the average Liberty County driver will save about 29% 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 $700 per year by choosing the right vehicle insurance company. Some Liberty County residents are paying out over $2,391 extra every year for auto insurance in Liberty County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Liberty County, FL Savings / Yr.
Drivers with good records
$700
Drivers with accidents
$1,027
Drivers with speeding tickets
$790
Drivers with a DUI conviction
$782
Young drivers
$2,484
Married drivers
$679
Drivers with bad credit
$989

Liberty County Car Insurance vs. Florida

People living in Liberty County pay an average of 9.50% less than the typical driver in the state. The average driver in Liberty County can expect to pay about $2,183 per year, or $2,391 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Liberty County for most people.

Car Insurance Prices by Liberty County Neighborhood

Liberty County, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Liberty County?

The map shows insurance prices in and around Liberty County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $165 per year within the county boundaries, with insurance premiums ranging from a high of $2,437 to a low of $2,272. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Liberty County.

Pick the Best Car Insurance Company for You in Liberty County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Liberty County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Liberty County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $700 over the average Liberty County car insurance company.

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We use the average good driver, paying $141 per month, as our baseline for pricing in Liberty County. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Liberty County drivers with accidents on their records

In Liberty County getting into an accident will raise premiums an average 28% for a yearly cost of $3,320. That's $929 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,027 over the competition.

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The best car insurance company for Liberty County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $790 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Liberty County, tickets raise premiums on new quotes about $666. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,057 per year.

The best auto insurance for Liberty County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,263 per year in auto insurance premiums, which was $872 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $782 less each year.

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The least expensive car insurance company for new and young drivers in Liberty County

In Liberty County, Geico costs young drivers $2,484 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Liberty County. With an average cost of $7,175 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Liberty County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $168. State Farm, Geico, and Progressive provided the largest discounts to couples living in Liberty County.

Geico gave the largest car insurance discounts to married couples, averaging $679 saved each year compared to an average Liberty County couple's premiums.

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The cheapest car insurance in Liberty County for drivers with bad credit

People with poor credit saved an average of $989 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,143 every year. Premiums for people with poor credit were about $3,534 in Liberty County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Liberty County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Liberty County, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Liberty County.

Allstate was the best company for customer service in Liberty County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Liberty County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Liberty County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Liberty County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Liberty County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Liberty County driver can expect to pay about $156 per month.

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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 County, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Liberty County

What Influences the Cost of Car Insurance in Liberty County?

On average, car insurance in Liberty County is actually less expensive than the rest of the state. These low 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 county are influenced by the following factors:

  • The average commute time in Liberty County is 44 minutes, which is far more than average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Liberty County are among the lowest 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 B according to CrimeGrade.org.
  • Liberty County is one of the most densely populated areas in the state. The county’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 County is $182 per month for minimum coverage and $199 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 Counties

Counties with Similar Populations

* Who is the average Liberty County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Liberty County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.