Best Liberty, WV Car Insurance in 2025
Car insurance in Liberty, WV averages $321 a month. Liberty, West Virginia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Liberty car insurance rates, compare quotes from the top car insurance companies in Liberty, WV.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated December 2025
- Average car insurance rates in Liberty, WV are $3,853/year
- The cheapest car insurance company in Liberty is State Farm
- The cheapest car insurance company in Liberty for teen drivers is State Farm
If you need to buy Liberty, West Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Liberty, WV is right here.
You’ll find Liberty car insurance rates, the cheapest Liberty, WV car insurance companies, and information on West Virginia car insurance laws. You can also compare Liberty, West Virginia car insurance rates to Weirton car insurance rates, Bluefield car insurance rates, and Huntington car insurance rates.
Ready to find affordable Liberty, WV car insurance today? Enter your ZIP code for fast, free Liberty car insurance quotes.
Cheapest Liberty, WV Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Liberty, WV car insurance rates? Every Liberty, West Virginia car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,619 | $2,431 | $2,357 | $2,362 | $9,400 | $9,796 | $2,873 | $2,866 |
| Geico | $2,478 | $2,442 | $2,354 | $2,282 | $6,153 | $7,420 | $2,381 | $2,481 |
| Liberty Mutual | $3,741 | $4,062 | $3,009 | $3,670 | $14,255 | $16,094 | $3,855 | $4,235 |
| Nationwide | $2,091 | $2,126 | $1,900 | $1,996 | $5,413 | $6,866 | $2,357 | $2,528 |
| Progressive | $2,187 | $2,114 | $2,008 | $2,010 | $9,292 | $10,474 | $2,630 | $2,721 |
| State Farm | $1,660 | $1,660 | $1,492 | $1,492 | $3,690 | $4,765 | $1,961 | $1,551 |
| USAA | $1,723 | $1,702 | $1,601 | $1,619 | $5,651 | $6,251 | $2,230 | $2,402 |
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Minimum Car Insurance in Liberty, WV
Every driver must carry the minimum car insurance in Liberty, WV. Take a look at the West Virginia car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Liberty, WV Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Liberty, WV. Compare credit history car insurance rates in Liberty from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,265 | $4,180 | $3,568 |
| Geico | $4,218 | $3,432 | $2,847 |
| Liberty Mutual | $9,452 | $5,820 | $4,574 |
| Nationwide | $3,599 | $3,039 | $2,842 |
| Progressive | $4,694 | $4,069 | $3,775 |
| State Farm | $3,283 | $1,999 | $1,570 |
| USAA | $4,266 | $2,458 | $1,968 |
Cheapest Liberty, WV Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Liberty, WV to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,666 | $4,342 | $5,182 | $4,162 |
| Geico | $2,170 | $3,484 | $6,012 | $2,329 |
| Liberty Mutual | $5,417 | $6,853 | $7,575 | $6,616 |
| Nationwide | $2,518 | $3,371 | $3,940 | $2,810 |
| Progressive | $3,553 | $4,744 | $4,246 | $4,174 |
| State Farm | $2,099 | $2,469 | $2,284 | $2,284 |
| USAA | $2,280 | $2,694 | $3,836 | $2,780 |
Cheapest Liberty, WV Car Insurance for Teen Drivers
Teen car insurance in Liberty, WV can be expensive. Take a look at rates from the top car insurance companies in Liberty for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,400 | $9,796 |
| Geico | $6,153 | $7,420 |
| Liberty Mutual | $14,255 | $16,094 |
| Nationwide | $5,413 | $6,866 |
| Progressive | $9,292 | $10,474 |
| State Farm | $3,690 | $4,765 |
| USAA | $5,651 | $6,251 |
Cheapest Liberty, WV Car Insurance for Seniors
Take a look at Liberty, WV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,357 | $2,362 |
| Geico | $2,354 | $2,282 |
| Liberty Mutual | $3,009 | $3,670 |
| Nationwide | $1,900 | $1,996 |
| Progressive | $2,008 | $2,010 |
| State Farm | $1,492 | $1,492 |
| USAA | $1,601 | $1,619 |
Cheapest Liberty, WV Car Insurance Rates After a DUI
A DUI in Liberty, WV increases car insurance rates. Compare Liberty, West Virginia DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,182 |
| Geico | $6,012 |
| Liberty Mutual | $7,575 |
| Nationwide | $3,940 |
| Progressive | $4,246 |
| State Farm | $2,284 |
| USAA | $3,836 |
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Cheapest Liberty, WV Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Liberty, WV by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,338 | $4,338 |
| Geico | $3,461 | $3,537 |
| Liberty Mutual | $6,615 | $6,615 |
| Nationwide | $3,160 | $3,160 |
| Progressive | $4,179 | $4,179 |
| State Farm | $2,224 | $2,344 |
| USAA | $2,864 | $2,932 |
The Best Cheap Car Insurance Companies in Liberty, WV
Take a look at a side-by-side comparison of the top car insurance companies in Liberty, WV to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,338 |
| Geico | $3,499 |
| Liberty Mutual | $6,615 |
| Nationwide | $3,160 |
| Progressive | $4,179 |
| State Farm | $2,284 |
| USAA | $2,898 |
Category Winners: Cheapest Car Insurance in Liberty, West Virginia
Find the cheapest car insurance companies in Liberty, WV for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Liberty, WV Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Liberty car insurance rates. Find the cheapest Liberty, WV car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,153 | $4,329 | $4,531 |
| Geico | $3,286 | $3,508 | $3,702 |
| Liberty Mutual | $6,267 | $6,600 | $6,979 |
| Nationwide | $3,096 | $3,147 | $3,237 |
| Progressive | $4,010 | $4,134 | $4,394 |
| State Farm | $2,149 | $2,278 | $2,425 |
| USAA | $2,788 | $2,892 | $3,013 |
What affects car insurance rates in Liberty, West Virginia?
What factors can have an impact on Liberty, WV car insurance? There are several reasons why Liberty car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Liberty, West Virginia.
Commute Time in Liberty
The more time you spend in your car the higher the risk of an accident. The average commute length in Liberty, WV is 21.8 minutes according to City-Data.
Compare Car Insurance Quotes in Liberty, WV
Ready to find affordable Liberty, West Virginia car insurance today? Enter your ZIP code for fast, free Liberty, WV car insurance quotes.
Frequently Asked Questions
How much does car insurance in Liberty, WV cost?
The cost of car insurance in Liberty, WV can vary based on several factors, including your age, driving record, type of vehicle, coverage options, and the insurance company you choose. It’s recommended to obtain quotes from different insurers to get an accurate estimate tailored to your specific circumstances.
What are the minimum car insurance requirements in Liberty, WV?
In Liberty, WV, the minimum car insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What additional coverage options should I consider for car insurance in Liberty, WV?
While meeting the minimum insurance requirements is necessary, you may want to consider additional coverage options for enhanced protection. Some options to consider include:
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, fire, or severe weather damage.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers in the event of an accident, regardless of fault.
- Personal Injury Protection (PIP): PIP coverage provides broader medical coverage and additional benefits such as lost wages and funeral expenses.
Are there any discounts available for car insurance in Liberty, WV?
Yes, there are several discounts available for car insurance in Liberty, WV. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record with no accidents or traffic violations may make you eligible for lower premiums.
- Safety Feature Discount: Having safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, can help lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Mature Driver Discount: Older drivers who have completed a defensive driving course may be eligible for discounted rates.
How can I find affordable car insurance in Liberty, WV?
To find affordable car insurance in Liberty, WV, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Maintain a Good Driving Record: Avoid accidents and traffic violations as they can result in higher insurance premiums. Practice safe driving habits and obey traffic laws.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure that you can comfortably afford the deductible amount if you need to make a claim.
- Review Coverage Regularly: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any based on your circumstances.
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