Liberal has 19,316 residents in 6,533 households. We list 3 insurance agencies in Liberal. Here is what the local numbers say about the cover people here need.

Liberal at a glance

3insurance agencies listed
40.6%of households rentRenters insurance
$137,100median home valueHome insurance
1973median year homes were builtRebuild cost calculator
10.3%of households have no carAuto insurance
9.1%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Kansas

Kansas requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires personal injury protection and uninsured and underinsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Kansas How much liability cover do you need?

Source: ksrevisor.gov. Checked 2026-10-24.

Where Liberal agencies are

Liberal agencies we list sit in 2 ZIP codes, mostly in Seward County.

679012 agencies
679051 agency

Questions

Insurance agencies in Liberal

How do I find an insurance agency in Liberal?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Liberal?

FEMA's National Risk Index rates inland flooding risk in Seward County as Very Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Liberal?

40.6% of households in Liberal rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near Liberal

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