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A Guide to Liberty Car Insurance (With Average Monthly Rate)

liberty car insurance
TABLE OF CONTENTS

If you’re shopping around for car insurance, you may have seen offerings from Liberty. This provider is a reputable company in the auto insurance industry, and it’s been serving drivers throughout the U.S. for more than a century. Below, you can discover everything you need to know about Liberty car insurance, including average monthly rates and tips for saving on your premiums.

How Much Is Liberty Car Insurance?

The average rate that Liberty customers pay for their insurance policies ranges from $110 to $130 per month. The exact amount may depend on certain factors, like the driver’s age, marital status, credit history, city and state of residence, driving record, and annual mileage.

Note that Liberty abides by all state restrictions when it comes to factors that determine insurance rates. For example, states like Michigan and California don’t allow insurance companies to use customers’ ZIP codes to determine insurance rates. It’s also worth noting that California, Michigan, Hawaii, and Massachusetts don’t allow companies to use credit checks to determine the amount customers pay in premiums.

How Can I Pay for Liberty Car Insurance?

Customers have several convenient payment method options. You can go into your account online and set up auto-pay via your credit card or bank account. This can help ensure that you never miss a monthly payment. You can also make your monthly payments by signing up for payroll deduction using the company’s automated phone service or mailing your payment to the company’s post office box. Note that customers can’t use prepaid cards or gift cards to purchase auto insurance policies.

You can track all payment and transaction history online or via a mobile app. The mobile app is available in both the Apple App Store and Google Play Store. Customers can also choose to enroll in paperless billing for their convenience and to eliminate the paper-based communication they receive.

Where Can I Get Liberty Car Insurance?

Liberty is a national car insurance provider. It’s available in 45 U.S. states. Residents of Washington, D.C. are also eligible to sign up for a policy through this provider.

What Coverage Does Liberty Car Insurance Include?

With Liberty’s most standard auto insurance plan, you can receive access to property damage liability, bodily injury liability, and uninsured/underinsured motorist coverage. This kind of coverage allows you to meet the minimum requirements that your state defines. However, you may consider opting for more comprehensive coverage to lower your out-of-pocket costs in the event of an accident. You can also opt for add-ons including:

  • Better car replacement: If you have an older car and it sustains irreparable damage in an accident, Liberty will give you enough money so that you can purchase a new vehicle that’s one year newer and has 15,000 fewer miles.
  • Lifetime repair guarantee: If your current vehicle sustains minor to moderate damages in an accident, Liberty will cover the cost of repairs as long as you use a Liberty-approved shop.
  • Teacher’s auto insurance: This add-on provides teachers extra peace of mind, as it gives them coverage for collisions, vandalism, and personal property theft while driving to and from school events or while their vehicles are in their schools’ parking lots. Be sure to check that it’s available in your area, as this plan isn’t available in every state where general auto insurance is.
  • Mexico insurance: Standard auto insurance policies only provide coverage for incidents that occur within the U.S. You can buy an add-on policy to provide yourself with coverage if you plan on driving in Mexico.

Does Liberty Offer Discounts on Car Insurance?

Yes, discounts on some car insurance policies are available. The discounts that are offered to you may depend on your location and special circumstances. Here are some potential discounts that you may be able to access:

  • RightTrack: RightTrack is a smart tracking device that monitors your driving habits. It can track if you make abrupt stops or sharp turns. If Liberty offers the RightTrack discount in your area, you may be able to pay a lower premium if you show that you’re a safe driver.
  • Homeowner discount: Liberty often offers discounts to homeowners. The provider typically sees these customers as more responsible, so they may consider them as less risky clients to accept.
  • Safe driver discount: Liberty may offer a discount if you don’t have any infractions, like speeding tickets or DUIs, on your driving record.
  • Good grades discount: If you’re a student, you may be eligible for a discount if you submit your college transcript to Liberty and prove that your GPA is above a certain level.
  • Early shopper discount: Liberty likes to see its customers take initiative. You may be eligible for a discount if you seek an auto insurance quote from Liberty before your current policy ends.

How To Save on Liberty Car Insurance

Here are some ways you can save on Liberty car insurance:

  • Remain on your parents’ policy if you still live with them
  • Consider how much coverage you need and don’t purchase more than what you need
  • Include add-ons to your policy thoughtfully
  • Partake in safe driving habits
  • Consider signing up for Liberty’s ByMile auto insurance if you don’t drive frequently
  • Increase your deductible to lower your monthly premiums

Canceling Liberty Auto Insurance

Some drivers may want to understand Liberty’s cancellation policy in case they need to sell their vehicles and no longer need to drive. Liberty allows drivers to cancel their policies at any time. You’ll likely have to call the company to cancel your policy. When you call, be sure to ask about cancellation fees. Liberty will likely charge customers cancellation fees if they cancel their plan before their policy term expires.

Now that you’ve read about Liberty car insurance, you can decide whether it’s the right provider for you and your family and understand how to save on your premiums.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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