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Cheapest car insurance in Liberty Lake, Washington (Nov 2024)
Cheapest car insurance in Liberty Lake, Washington (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Liberty Lake, Washington.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Liberty Lake
- Best Car Insurance Companies in Liberty Lake
- Best cheap car insurance quotes in Liberty Lake
- Average cost of car insurance in Liberty Lake
- Car insurance quotes in Liberty Lake by rating factors
- How do different factors impact your car insurance costs in Liberty Lake?
- Cheap car insurance quotes in Liberty Lake after driving violations
- Cheap car insurance quotes in Liberty Lake by age
- Cheap car insurance quotes in Liberty Lake based on insurance history
- Cheap car insurance quotes in Liberty Lake for popular cars
- How to lower car insurance costs in Liberty Lake
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Liberty Lake
For the average Liberty Lake driver,
auto insurance
costs about $98 per month for minimum coverage liability insurance, and about $203 per month for full coverage insurance. When compared to the Washington
average, Liberty Lake drivers pay 41% less. Finding the cheapest car insurance quotes for Liberty Lake drivers is easy—just use the comparison app Jerry to
review and purchase car insurance
policies. Take a look at the rates below. These are the cheapest car insurance quotes that Jerry uncovered for Liberty Lake customers.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $140 | Marie, 33 Zip: 99019 | Mitsubishi Mirage SE | • State Minimum Liability • Comp / Collision |
| Safeco | $96 | Curtis, 63 Zip: 99019 | Toyota RAV4 XLE | • 100,000/300,000 Liability • Comp / Collision |
| National General | $159 | Essie, 27 Zip: 99019 | Jeep Compass Latitude | • State Minimum Liability • Comp / Collision |
| Bristol West | $78 | Christopher, 56 Zip: 99019 | KIA Sorento EX | • State Minimum Liability |
| Encompass | $300 | Kevin, 26 Zip: 99019 | Buick Encore Preferred | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Best Car Insurance Companies in Liberty Lake
Let’s start with a truth bomb: There is no single best car insurance company for every Liberty Lake driver. Rates in Washington can vary widely from driver to driver, even within the same city.
The most affordable insurance company for you may be different from the cheapest company for your neighbor across town. And remember, price is not the only factor to consider when you’re shopping—customer service and claims handling are pretty important, too!
Jerry conducted a nationwide insurance survey to help drivers find the cheapest policies and best car insurance companies. There are mixed reviews across the board, from major insurers like Progressive down to smaller providers like Root.
See the table below to find out how drivers in Liberty Lake rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| State Farm | 4.5 | 4.4 | 3.7 | 4.3 |
| Allstate | 4.4 | 3.7 | N/A | 4.5 |
| Progressive | 4.2 | 4 | 3 | 4 |
| Geico | 3.8 | 3.4 | 3.8 | 3.7 |
| USAA | 3.6 | 3.2 | 4.3 | 3.4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Liberty Lake
All Liberty Lake drivers must purchase minimum coverage car insurance for liability to the amount of 25/50/10. This is
Washington state’s minimum
for car insurance requirements and it applies to all drivers in the state. This minimum coverage includes property damage liability and bodily injury liability coverage. While you’ll get the cheapest rate by opting for minimal coverage, it doesn’t give you much protection in the event of an accident. Liberty Lake drivers should choose full coverage to cover repair costs for their own vehicles.
Cheap minimum liability insurance quotes in Liberty Lake
Let’s take a closer look at the required
liability auto insurance coverage
for Liberty Lake drivers: - $25,000 per person ofbodily injury liability coverage
- $50,000 per accident of bodily injury liability coverage
- $10,000 per accident ofproperty damage liability
Remember, these are the bare minimum levels of liability coverage. Every Liberty Lake driver needs to meet—or exceed—these thresholds for liability coverage.
Jerry has helped a lot of Liberty Lake drivers find affordable liability coverage—see the table below for real prices.
Marie (33 years old)
CoverageState Minimum
Liberty Lake, WA (Zip Code: 99019)
Mitsubishi Mirage SE$140
per month
Christopher (56 years old)
$78
per month
Clearcover
Charlotte (24 years old)
$69
per month
Do you need more than minimum coverage in Liberty Lake?
Choosing 25/50/10 coverage won't break any laws, but higher limits provide better protection for Liberty Lake drivers who get into an accident.
Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Your minimum coverage may not cover all these expenses, leaving you financially liable.
Ultimately, Liberty Lake drivers should get as much liability coverage as they can afford—especially because the added protection may not be as costly as you think.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Liberty Lake
Full coverage
is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.
Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail , vandalism, or theft—this coverage will kick in.
Be aware that you might be required to have
full coverage if you own a financed vehicle
. Lenders wish to protect their investment, so they often require this extra coverage. Check with your lender before you start shopping for insurance.Take a look at real sample costs for full coverage insurance policies in Liberty Lake.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $140 | Marie, 33 Zip: 99019 | Mitsubishi Mirage SE |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $92 | Adrian, 63 Zip: 99019 | Toyota RAV4 XLE |
• State Minimum Liability • Comp / Collision | National General | $159 | Essie, 27 Zip: 99019 | Jeep Compass Latitude |
• 50,000/100,000 Liability • Comp / Collision | Encompass | $300 | Kevin, 26 Zip: 99019 | Buick Encore Preferred |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Liberty Lake
Because we have helped so many Liberty Lake drivers find car insurance, we’ve discovered that the average cost of minimum liability coverage is $98 per month or $1,176 per year. For full coverage insurance in Liberty Lake, the average cost is $203 for month or $2,436 per year.
Be warned: Average rates can help you get a better idea of what to expect with rates. However, there’s no such thing as the “average” Liberty Lake driver. Your rate will be entirely unique to your driver profile, even if you share a zip code with thousands of other people.
Based on your unique situation, your monthly costs could go up to several hundred dollars per month.
Compare car insurance costs in other states
Car insurance quotes in Liberty Lake by rating factors
Insurance companies in Liberty Lake use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets—even if they happened in another city or state.
- Your credit score: Low credit applicants (under 600) will pay much more for insurance than people with strong credit (over 750) who get the best rates.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: If you park your car on the street—especially if you live in an area with high auto theft rates—rates will be higher than if you park in a garage or driveway.
- How you use your car: Frequent commuters pay more for coverage than infrequent leisure drivers.
How do different factors impact your car insurance costs in Liberty Lake?
How do different factors impact your car insurance costs in Liberty Lake?
Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited):
Learn more abut the car insurance rating factors in Liberty Lake:
Cheap car insurance quotes in Liberty Lake after driving violations
Driving violations not only result in fines and legal consequences, but they can also impact your insurance premiums. Accumulating a significant number of violations on your record categorizes you as a
high-risk driver
. While it is still possible for high-risk drivers in Liberty Lake to obtain coverage, it's important to note that your policy will likely be more expensive compared to that of another driver who has a clean record.
Here are some of the violations that could trigger a rate hike:
- DUIs
- Hit-and-run
- At fault accident
- Driving on a suspended license
- Driving without insurance
Cheapest car insurance in Liberty Lake after speeding ticket
If you exceed the speed limits, you will face penalties based on how fast you were going over the speed limit. The state levies fines for speeding that increase with each mile over the limit—and
reckless driving
incurs exceptionally high fines, too.While
speeding tickets
can significantly impact insurance rates for drivers in Liberty Lake, it’s still possible to find affordable coverage
even with a speeding ticket on record.
Here’s how we have successfully helped other Liberty Lake drivers in similar situations.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $76 | Addie, 39 Zip: 99019 | Volkswagen Golf | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $71 | Dollie, 42 Zip: 99019 | Pontiac Firebird | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Liberty Lake after DUI
A DUI conviction in Liberty Lake will definitely lead to a significant increase in your insurance rates. It's possible that certain insurance companies could decline coverage altogether.
We understand that navigating the process of finding insurance after a
DUI in Washington
can be complex. Rates may vary widely from one company to another.Jerry has helped Liberty Lake drivers with DUI convictions find coverage. Here’s a look at rates for these drivers.
Cheapest car insurance in Liberty Lake after an at-fault accident
Causing an accident is an indication to insurance companies that you could pose an increased risk. However, it's important to remember that you still have options for finding a favorable insurance rate, even with an at-fault accident on your
Washington State driving record
. Below, you can see real rates for Liberty Lake drivers who have at-fault convictions on record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $120 | Susie, 22 Zip: 99019 | BMW 335 XI | • State Minimum Liability |
Not At Fault | Progressive | $266 | Mabelle, 25 Zip: 99019 | Buick Encore Preferred | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $104 | Cameron, 22 Zip: 99019 | BMW 335 XI | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Liberty Lake after other driving violations
In Liberty Lake, even a minor violation such as tailgating can have an impact on a driver’s car insurance rates.
To better understand how common traffic violations can affect your car insurance rates, check out the data below from real Liberty Lake drivers.
Last Updated Nov 21, 2024Cheap car insurance quotes in Liberty Lake by age
Older drivers in Liberty Lake may face increased risks in the event of an accident, whereas younger drivers and those with
provisional licenses
often have limited experience on the road. There’s risk at every age! If you’re under 25 or over 75, it is likely that you will incur higher premiums for coverage in Liberty Lake.
Cheapest car insurance in Liberty Lake for young drivers
Teen drivers in Liberty Lake under the age of 19 tend to face the highest insurance costs. This emphasizes the importance of considering full coverage, particularly for young drivers operating newer vehicles.
Real rates are the best source of information, so check out these
young drivers and their rates
in Liberty Lake.Cheapest car insurance in Liberty Lake for senior drivers
Seniors in Liberty Lake pay higher costs for car insurance, primarily due to their increased vulnerability to serious injuries in the event of a car accident. Car insurance companies take this into consideration when determining
coverage rates for older drivers
in Liberty Lake.Christopher (74 years old)
$66
per month
Stella (68 years old)
$86
per month
Cheap car insurance quotes in Liberty Lake based on insurance history
Maintaining consistent car insurance coverage is essential to avoid any red flags on your record. Companies take note of any
lapses in coverage
, which typically result in increased premiums.With Jerry, you can enjoy the advantage of regular reminders to prevent coverage gaps.
We also assist drivers who have experienced lapses in finding coverage again, just like the Liberty Lake drivers shown below.
Edna (32 years old)
Currently Insured
CoverageState Minimum
Liberty Lake, WA (Zip Code: 99019)
Mitsubishi Mirage SE$140
per month
Leila (26 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Liberty Lake, WA (Zip Code: 99019)
$186
per month
Estella (22 years old)
$104
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
When I signed up for Safeco I saved so much money! it was really quick and it only took a few minutes. It was painless, 10/10 would do it again. Now I have extra money for my trip in March!
Blake
Paying a lot less then I thought I could.
Nick
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
Briana
Always friendly and ready to help
Lauren
Cheap car insurance quotes in Liberty Lake for popular cars
Your make and model is a big factor when it comes to car insurance. Your model impacts the cost of repairs, likelihood of theft, and even your safety ratings.
In Liberty Lake, here are some of the most popular vehicles:
Last Updated Nov 19, 2024Cheapest car insurance in Liberty Lake for new vs. old car
In general, insuring a car that is older than 10 years can lead to significant savings. However, if you have your heart set on driving a brand new car, it's important to be aware that premium rates will reflect the value of the vehicle.
Marie (33 years old)
2018 Mitsubishi Mirage SE
CoverageState Minimum
Liberty Lake, WA (Zip Code: 99019)
$140
per month
Curtis (63 years old)
2017 Toyota RAV4 XLE
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Liberty Lake, WA (Zip Code: 99019)
$96
per month
Essie (27 years old)
$159
per month
Christopher (56 years old)
$78
per month
Kevin (26 years old)
2019 Buick Encore Preferred
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Liberty Lake, WA (Zip Code: 99019)
$300
per month
How to lower car insurance costs in Liberty Lake
1. Shop around and compare quotes
Each insurance company has its own set of rules to determine the price you pay for car insurance—and these rules can change over time. To make sure you always get the best deal, experts suggest comparing prices from at least three companies and checking for new rates every six months. This way, you can find the most affordable option that suits your needs.
Remember, we're here to help Liberty Lake drivers understand and choose the insurance that works best for them!
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Qualification requirements vary by company, but Liberty Lake drivers may be able to unlock a serious discount for having a clean record with no or minimal points and accidents.
- Telematics discounts. Enrolling in telematics programs to track your driving habits can unlock a world of easy-to-attain discounts offered by many companies. In fact, you may even receive a discount just by signing up!
- Good student discounts. Are you a full-time student in Liberty Lake who is either in high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
Want to maintain comprehensive coverage for your vehicle while keeping your monthly costs in check? Consider adjusting your deductible if you have full coverage car insurance.
Why is car insurance in Liberty Lake so expensive?
- Traffic: Certain areas of Liberty Lake may experience dense traffic, leading to a higher rate of car accidents. That could cause insurance companies to charge higher prices.
- Crime: Insurance companies look at the crime rate in Liberty Lake—especially car theft and vandalism—when they’re determining the cost of comprehensive car insurance.
- Natural disasters: Washington is known to experience natural disasters like earthquakes and floods. Insurance companies consider the increased risk of vehicle damage from these events when setting rates.
FAQ
How much is car insurance in Liberty Lake?
People living in Liberty Lake pay on average $98 per month – or $1,176 per year – on state-minimum liability coverage. Full coverage in Liberty Lake costs on average $203 per month or $2,436 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Liberty Lake, Washington?
The state-minimum car insurance in Liberty Lake, Washington is as follows:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $15,000 property damage liability per accident
These coverages are commonly referred to as 20/40/15 coverage.
What is the cheapest car insurance in Liberty Lake?
Based on thousands of Liberty Lake drivers Jerry has worked with, car insurance in Liberty Lake costs an average of $98 per month for state-minimum coverage and $203 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Liberty Lake?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Liberty Lake drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.