Table of contents
How much is car insurance in Liberty?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Liberty are about the same as what you would pay anywhere else in South Carolina.
The average cost of insuring your vehicle in Liberty is above the national rate. The cost of auto coverage in Liberty is about $17 more expensive than the national average.
While these are the average car insurance rates for Liberty, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Liberty residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may rise again in Liberty.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Liberty, where male drivers pay about $14 more per month. As you can see in the table above, female drivers in the area typically pay $91 on average, while female drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Liberty with a single accident on their record is about $128 a month. Similarly, drivers with one ticket will typically pay around $104 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$174|
|15 Years or Older||$89|
The cheapest vehicles to insure in Liberty are by and large trucks and vans, with each type typically costing about $86 per month.
Car owners will see a monthly rate of about $97, while SUV owners usually pay around $108 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Liberty, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Liberty can be as much as $33 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $25 a month more than if you own your own home in Liberty. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Liberty, SC
Recent trends in car insurance for Liberty drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The rates for auto insurance in Liberty rose from 2016-2017, before steadying out in 2018. Car insurance rates began increasing again in 2019, and finished down in 2021, at $99 per month
How does Liberty compare to neighboring areas?
Why are car insurance rates in Liberty different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking accessibility
- Local laws
- Road Safety (frequency of car accidents)
- Amount of drivers in the area
- Regional crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Liberty?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Liberty.
Liberty Insurance FAQs
What factors affect car insurance quotes in Liberty?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Liberty different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Liberty?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Liberty?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Liberty or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.