Affordable Car Insurance Rates in West Somerset, KY (2024)
Car insurance rates in West Somerset, KY are $427/month on average. By law, Kentucky drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple West Somerset car insurance companies to get the coverage you need at the best rates available.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in West Somerset, KY are $427/month
- The cheapest car insurance company in West Somerset after a DUI is State Farm
- Average car insurance rates in West Somerset, KY for senior drivers are $2,808/year
Average car insurance rates in West Somerset, Kentucky are $427 a month. But with a little research you can get a great deal from the top car insurance companies in West Somerset, KY. Before you buy West Somerset, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.
It may even be helpful to compare West Somerset car insurance rates with Frankfort car insurance rates, Hopkinsville car insurance rates, or Owensboro car insurance rates to make sure you’re getting the best West Somerset, KY car insurance quotes available.
Need affordable West Somerset, KY car insurance? Enter your ZIP code to compare West Somerset car insurance quotes from multiple car insurance companies near you.
West Somerset, KY Minimum Car Insurance Coverage
West Somerset, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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West Somerset, KY Car Insurance Rates by Coverage Level
Some West Somerset drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your West Somerset, Kentucky car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,249 | $5,620 | $6,058 |
| Geico | $4,439 | $4,761 | $5,108 |
| Liberty Mutual | $3,952 | $4,152 | $4,455 |
| Nationwide | $5,017 | $4,889 | $4,942 |
| Progressive | $9,463 | $10,162 | $11,416 |
| State Farm | $3,305 | $3,532 | $3,798 |
| Travelers | $4,399 | $4,683 | $4,918 |
| USAA | $2,769 | $2,910 | $3,074 |
West Somerset, KY Car Insurance Rates by Age, Gender, and Marital Status
West Somerset, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy West Somerset, KY car insurance, get quotes from multiple car insurance companies in the West Somerset area and see how these criteria affect your 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 | $3,263 | $3,243 | $2,937 | $3,135 | $11,801 | $13,256 | $3,644 | $3,861 |
| 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 | $4,821 | $4,557 | $4,345 | $4,341 | $24,595 | $27,972 | $6,012 | $6,133 |
| State Farm | $2,308 | $2,308 | $2,076 | $2,076 | $6,353 | $7,862 | $2,570 | $2,807 |
| Travelers | $1,998 | $2,034 | $1,961 | $1,967 | $9,524 | $15,372 | $2,082 | $2,395 |
| USAA | $1,940 | $1,935 | $1,760 | $1,779 | $5,283 | $5,543 | $2,441 | $2,662 |
West Somerset, KY Car Insurance Rates for Teens
How much is West Somerset, Kentucky car insurance for teens? Compare rates from top West Somerset car insurance companies below to help find the cheapest teen car insurance in West Somerset, KY.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,801 | $13,256 |
| Geico | $7,942 | $9,404 |
| Liberty Mutual | $9,143 | $10,029 |
| Nationwide | $7,948 | $9,875 |
| Progressive | $24,595 | $27,972 |
| State Farm | $6,353 | $7,862 |
| Travelers | $9,524 | $15,372 |
| USAA | $5,283 | $5,543 |
West Somerset, KY Car Insurance Rates for Seniors
Before seniors buy West Somerset, Kentucky car insurance, they should make sure to shop around. Some West Somerset, KY car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,937 | $3,135 |
| Geico | $4,003 | $3,626 |
| Liberty Mutual | $2,088 | $2,320 |
| Nationwide | $3,188 | $3,325 |
| Progressive | $4,345 | $4,341 |
| State Farm | $2,076 | $2,076 |
| Travelers | $1,961 | $1,967 |
| USAA | $1,760 | $1,779 |
West Somerset, KY Car Insurance Rates by Credit History
How does your credit history affect West Somerset, KY car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,471 | $5,153 | $4,303 |
| Geico | $7,842 | $3,915 | $2,550 |
| Liberty Mutual | $5,962 | $3,682 | $2,914 |
| Nationwide | $6,028 | $4,724 | $4,097 |
| Progressive | $11,547 | $10,089 | $9,405 |
| State Farm | $5,089 | $3,105 | $2,441 |
| Travelers | $5,200 | $4,407 | $4,392 |
| USAA | $4,324 | $2,439 | $1,991 |
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West Somerset, KY Car Insurance Rates by Driver History
How does a single speeding ticket affect your West Somerset, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in West Somerset.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,711 | $6,100 | $6,472 | $5,287 |
| 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 | $8,524 | $12,744 | $9,734 | $10,386 |
| State Farm | $3,247 | $3,843 | $3,545 | $3,545 |
| Travelers | $4,078 | $4,193 | $6,031 | $4,364 |
| USAA | $2,197 | $3,105 | $3,722 | $2,648 |
West Somerset, KY Car Insurance Rates With a DUI
Even a single DUI can increase your West Somerset, KY car insurance rates. Compare rates below to see which West Somerset car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,472 |
| Geico | $7,717 |
| Liberty Mutual | $4,172 |
| Nationwide | $6,470 |
| Progressive | $9,734 |
| State Farm | $3,545 |
| Travelers | $6,031 |
| USAA | $3,722 |
West Somerset, KY Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your West Somerset, KY car insurance rates may be. Let’s take a look at average car insurance rates from top West Somerset companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,642 | $5,642 |
| Geico | $4,724 | $4,814 |
| Liberty Mutual | $4,186 | $4,186 |
| Nationwide | $4,949 | $4,949 |
| Progressive | $10,347 | $10,347 |
| State Farm | $3,453 | $3,637 |
| Travelers | $4,666 | $4,666 |
| USAA | $2,810 | $3,026 |
West Somerset, KY Cheapest Car Insurance Rates
How do the top West Somerset, Kentucky car insurance companies’ average rates stack up against the West Somerset average monthly car insurance rates of $427? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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West Somerset, KY Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top West Somerset, Kentucky car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,642 |
| Geico | $4,769 |
| Liberty Mutual | $4,186 |
| Nationwide | $4,949 |
| Progressive | $10,347 |
| State Farm | $3,545 |
| Travelers | $4,666 |
| USAA | $2,918 |
West Somerset, KY Car Insurance Quotes
Compare West Somerset, KY car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.