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How much is car insurance in Liberty?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Liberty | $101 |
| SC | $104 |
| United States | $81 |
As you can tell by looking at the chart above, car insurance rates in Liberty are about the same as the rest of South Carolina.
On the other hand, residents of Liberty might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $20 cheaper than it is in Liberty.
While these are the average monthly costs for auto insurance coverage in 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 for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Liberty and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $169 |
| 25-34 | $103 |
| 35-44 | $89 |
| 45-54 | Not Enough Data |
| 55-64 | $67 |
| 65+ | $64 |
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $105 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up in Liberty.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $105 |
| Female | $98 |
In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Liberty totals about $7 per month. Based on the chart above, you can see that female drivers pay around $98 on average, while male drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $131 |
| Multiple Accidents | $197 |
| 1 Ticket | $119 |
| Multiple Tickets | $140 |
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Liberty, having a single accident on your record will usually get you rates around $131 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $119.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $174 |
| 2-3 Years | $101 |
| 4-5 Years | $92 |
| 6-7 Years | $89 |
| 8-10 Years | $88 |
| 11-14 Years | $122 |
| 15 Years or Older | $94 |
As you can see in the first table above, the cheapest vehicles to insure in Liberty are usually trucks and vans, which run about $95 per month.
SUV drivers will see rates of about $109, while the rates for car owners average out to about $100 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few 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) | $112 |
| Married | $75 |
| Divorced | $75 |
| Widowed | $87 |
On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Liberty follows that pattern, with the difference totaling to around $37 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $83 |
| Rent | $108 |
| Live with parents | $109 |
Your housing status is another component of how insurance companies calculate your monthly rate. In Liberty, homeowners can expect to pay around $25 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you 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
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Liberty, the rates for car insurance have been mixed over the past few years. They fell in 2017, rose in 2019, and dropped again in 2021, before finishing at $96 in 2022.
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 many factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Amount of drivers in the region
- Prevalence of crime
- Amount of off-street parking
- Community laws
- Number of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Liberty?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Liberty.
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Liberty Insurance FAQs
What factors affect car insurance quotes in Liberty?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Liberty different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Liberty?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Liberty?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Liberty or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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