Best Somerset, KY Car Insurance in 2024
Car insurance in Somerset, KY averages $380 a month. Somerset, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Somerset car insurance rates, compare quotes from the top car insurance companies in Somerset, KY.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Somerset, KY are $4,565/year
- The cheapest ZIP code in Somerset is 42503
- The cheapest car insurance company in Somerset is USAA
If you need to buy Somerset, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Somerset, KY is right here.
You’ll find Somerset car insurance rates, the cheapest Somerset, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Somerset, Kentucky car insurance rates to Nicholasville car insurance rates, Independence car insurance rates, and Florence car insurance rates.
Ready to find affordable Somerset, KY car insurance today? Enter your ZIP code for fast, free Somerset car insurance quotes.
Cheapest Somerset, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Somerset, KY car insurance rates? Every Somerset, Kentucky 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 | $3,906 | $3,865 | $3,502 | $3,741 | $14,652 | $16,425 | $4,365 | $4,640 |
| Geico | $3,825 | $3,540 | $4,003 | $3,626 | $7,942 | $9,404 | $3,123 | $2,691 |
| Liberty Mutual | $2,386 | $2,580 | $2,088 | $2,320 | $9,143 | $10,029 | $2,455 | $2,488 |
| Nationwide | $3,534 | $3,521 | $3,188 | $3,325 | $7,948 | $9,875 | $4,012 | $4,192 |
| Progressive | $2,308 | $2,188 | $2,080 | $2,085 | $11,447 | $12,958 | $2,862 | $2,914 |
| State Farm | $2,045 | $2,045 | $1,828 | $1,828 | $5,694 | $7,222 | $2,269 | $2,504 |
| Travelers | $2,027 | $2,065 | $1,983 | $1,990 | $9,496 | $15,239 | $2,112 | $2,447 |
| USAA | $2,006 | $2,002 | $1,814 | $1,835 | $5,478 | $5,754 | $2,530 | $2,762 |
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Minimum Car Insurance in Somerset, KY
Every driver must carry the minimum car insurance required by the state in Somerset, KY. Take a look at the Kentucky 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 Somerset, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Somerset, KY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Somerset from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,133 | $6,292 | $5,236 |
| Geico | $7,842 | $3,915 | $2,550 |
| Liberty Mutual | $5,962 | $3,682 | $2,914 |
| Nationwide | $6,028 | $4,724 | $4,097 |
| Progressive | $5,414 | $4,734 | $4,417 |
| State Farm | $4,555 | $2,787 | $2,195 |
| Travelers | $5,210 | $4,409 | $4,391 |
| USAA | $4,486 | $2,524 | $2,058 |
Cheapest Somerset, KY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Somerset, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,689 | $7,463 | $7,963 | $6,433 |
| Geico | $2,834 | $5,055 | $7,717 | $3,472 |
| Liberty Mutual | $3,496 | $5,358 | $4,172 | $3,719 |
| Nationwide | $3,914 | $5,093 | $6,470 | $4,320 |
| Progressive | $4,012 | $5,961 | $4,574 | $4,873 |
| State Farm | $2,928 | $3,431 | $3,179 | $3,179 |
| Travelers | $4,080 | $4,197 | $6,033 | $4,371 |
| USAA | $2,272 | $3,217 | $3,861 | $2,740 |
Cheapest Somerset, KY Car Insurance for Teen Drivers
Teen car insurance in Somerset, KY can be expensive. Take a look at rates from the top car insurance companies in Somerset for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,652 | $16,425 |
| Geico | $7,942 | $9,404 |
| Liberty Mutual | $9,143 | $10,029 |
| Nationwide | $7,948 | $9,875 |
| Progressive | $11,447 | $12,958 |
| State Farm | $5,694 | $7,222 |
| Travelers | $9,496 | $15,239 |
| USAA | $5,478 | $5,754 |
Cheapest Somerset, KY Car Insurance for Seniors
Take a look at Somerset, KY rates on car insurance for seniors 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 | $3,502 | $3,741 |
| Geico | $4,003 | $3,626 |
| Liberty Mutual | $2,088 | $2,320 |
| Nationwide | $3,188 | $3,325 |
| Progressive | $2,080 | $2,085 |
| State Farm | $1,828 | $1,828 |
| Travelers | $1,983 | $1,990 |
| USAA | $1,814 | $1,835 |
Cheapest Somerset, KY Car Insurance Rates After a DUI
A DUI in Somerset, KY increases car insurance rates. Compare Somerset, Kentucky car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,963 |
| Geico | $7,717 |
| Liberty Mutual | $4,172 |
| Nationwide | $6,470 |
| Progressive | $4,574 |
| State Farm | $3,179 |
| Travelers | $6,033 |
| USAA | $3,861 |
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Cheapest Somerset, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Somerset, KY 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 | $6,887 | $6,887 |
| Geico | $4,724 | $4,814 |
| Liberty Mutual | $4,186 | $4,186 |
| Nationwide | $4,949 | $4,949 |
| Progressive | $4,855 | $4,855 |
| State Farm | $3,102 | $3,257 |
| Travelers | $4,670 | $4,670 |
| USAA | $2,911 | $3,134 |
Cheapest Somerset, KY Car Insurance Rates by ZIP Code
Somerset car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Somerset, KY.
| ZIP Code | Average Annual Rates |
|---|---|
| 42501 | $4,070 |
| 42503 | $4,070 |
The Best Cheap Car Insurance Companies in Somerset, KY
Take a look at a side-by-side comparison of the top car insurance companies in Somerset, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,887 |
| Geico | $4,769 |
| Liberty Mutual | $4,186 |
| Nationwide | $4,949 |
| Progressive | $4,855 |
| State Farm | $3,179 |
| Travelers | $4,670 |
| USAA | $3,023 |
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Category Winners: Cheapest Car Insurance in Somerset, Kentucky
Find the cheapest car insurance companies in Somerset, KY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Somerset, KY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Somerset car insurance rates. Find the cheapest Somerset, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,480 | $6,864 | $7,316 |
| Geico | $4,439 | $4,761 | $5,108 |
| Liberty Mutual | $3,952 | $4,152 | $4,455 |
| Nationwide | $5,017 | $4,889 | $4,942 |
| Progressive | $4,446 | $4,784 | $5,335 |
| State Farm | $2,946 | $3,166 | $3,426 |
| Travelers | $4,430 | $4,690 | $4,890 |
| USAA | $2,881 | $3,016 | $3,171 |
What affects car insurance rates in Somerset, Kentucky?
What are the factors that affect car insurance rates in Somerset, KY? There are several reasons why Somerset car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Somerset, Kentucky.
Commute Time in Somerset
The more time you spend in your car the higher the risk of an accident. The average commute length in Somerset, KY is 17.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Somerset, KY
Ready to find affordable Somerset, Kentucky car insurance today? Enter your ZIP code for fast, free Somerset, KY car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Somerset, KY?
To compare car insurance rates in Somerset, KY, you have a few options. You can contact individual insurance companies directly and request quotes. Additionally, you can use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Somerset, KY?
Car insurance rates in Somerset, KY, are influenced by several factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors like the frequency of car thefts and accidents in Somerset, KY, can impact insurance rates in the area.
Are car insurance rates higher in Somerset, KY, compared to other areas?
Car insurance rates can vary depending on the location, and Somerset, KY, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Somerset, KY, compares to other areas.
Are there any discounts available for car insurance in Somerset, KY?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Somerset, KY. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Somerset, KY?
There are several strategies you can consider to lower your car insurance rates in Somerset, KY. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to compare quotes from different insurance companies periodically to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Somerset, KY?
Full coverage car insurance is not legally required in Somerset, KY. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s essential to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.