Compare Berea, KY Car Insurance Rates (2021)

Car insurance in Berea, KY averages $341 a month. Berea, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Berea car insurance rates, compare quotes from the top car insurance companies in Berea, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Berea for teen drivers is USAA
  • The cheapest ZIP code in Berea is 40403
  • Average car insurance rates in Berea, KY after a DUI are $4,873/year

If you need to buy Berea, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Berea, KY is right here.

You’ll find Berea car insurance rates, the cheapest Berea, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Berea, Kentucky car insurance rates to Henderson car insurance rates, Covington car insurance rates, and Bowling Green car insurance rates.

Ready to find affordable Berea, KY car insurance today? Enter your ZIP code for fast, free Berea car insurance quotes.

Cheapest Berea, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Berea, KY car insurance rates? Every Berea, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Berea, Kentucky

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 $3,013 $2,961 $2,742 $2,921 $11,657 $13,090 $3,291 $3,459
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,640 $2,860 $2,236 $2,498 $11,117 $12,311 $2,765 $2,886
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,126 $2,010 $1,920 $1,922 $10,625 $12,029 $2,635 $2,681
State Farm $1,738 $1,738 $1,558 $1,558 $4,942 $6,206 $1,937 $2,132
Travelers $1,801 $1,830 $1,782 $1,783 $8,698 $13,958 $1,887 $2,143
USAA $1,771 $1,767 $1,606 $1,624 $4,774 $5,010 $2,223 $2,423

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Minimum Car Insurance in Berea, KY

Every driver must carry the minimum car insurance in Berea, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Berea, Kentucky

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 Berea, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Berea, KY. Compare credit history car insurance rates in Berea from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Berea, Kentucky

Insurance Company Poor Fair Good
Allstate $7,127 $4,942 $4,106
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,023 $4,316 $3,404
Nationwide $5,260 $4,162 $3,616
Progressive $5,004 $4,384 $4,092
State Farm $3,926 $2,384 $1,868
Travelers $4,709 $4,006 $3,992
USAA $3,931 $2,213 $1,806

Cheapest Berea, KY 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 Berea, KY to rates for a clean record with top companies.

Annual Berea, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,427 $5,837 $6,273 $5,030
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,097 $6,303 $4,902 $4,355
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,713 $5,520 $4,233 $4,508
State Farm $2,497 $2,955 $2,726 $2,726
Travelers $3,698 $3,799 $5,487 $3,957
USAA $2,000 $2,820 $3,373 $2,407

Cheapest Berea, KY Car Insurance for Teen Drivers

Teen car insurance in Berea, KY can be expensive. Take a look at rates from the top car insurance companies in Berea for teenagers.

Annual Car Insurance Rates for Teen Drivers in Berea, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,657 $13,090
GEICO $6,635 $7,852
Liberty Mutual $11,117 $12,311
Nationwide $7,042 $8,761
Progressive $10,625 $12,029
State Farm $4,942 $6,206
Travelers $8,698 $13,958
USAA $4,774 $5,010

Cheapest Berea, KY Car Insurance for Seniors

Take a look at Berea, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Berea, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,742 $2,921
GEICO $3,309 $2,996
Liberty Mutual $2,236 $2,498
Nationwide $2,775 $2,893
Progressive $1,920 $1,922
State Farm $1,558 $1,558
Travelers $1,782 $1,783
USAA $1,606 $1,624

Cheapest Berea, KY Car Insurance Rates After a DUI

A DUI in Berea, KY increases car insurance rates. Compare Berea, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Berea, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,273
GEICO $6,360
Liberty Mutual $4,902
Nationwide $5,633
Progressive $4,233
State Farm $2,726
Travelers $5,487
USAA $3,373

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Cheapest Berea, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Berea, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Berea, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,392 $5,392
GEICO $3,921 $3,995
Liberty Mutual $4,914 $4,914
Nationwide $4,346 $4,346
Progressive $4,493 $4,493
State Farm $2,656 $2,796
Travelers $4,235 $4,235
USAA $2,552 $2,748

Cheapest Berea, KY Car Insurance Rates by ZIP Code

Berea car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Berea, KY.

Annual Car Insurance Rates by ZIP Code in Berea, Kentucky

ZIP Code Average Annual Rates
40403 $3,630
40404 $3,715

The Best Cheap Car Insurance Companies in Berea, KY

Take a look at a side-by-side comparison of the top car insurance companies in Berea, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Berea, Kentucky

Insurance Company Average Annual Rates
Allstate $5,392
GEICO $3,958
Liberty Mutual $4,914
Nationwide $4,346
Progressive $4,493
State Farm $2,726
Travelers $4,235
USAA $2,650

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Category Winners: Cheapest Car Insurance in Berea, Kentucky

Find the cheapest car insurance companies in Berea, KY for each category right here.

Best Annual Car Insurance Rates by Company in Berea, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Berea, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Berea car insurance rates. Find the cheapest Berea, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Berea, Kentucky

Insurance Company Low Medium High
Allstate $4,999 $5,370 $5,807
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,683 $4,884 $5,175
Nationwide $4,367 $4,301 $4,370
Progressive $4,120 $4,429 $4,931
State Farm $2,545 $2,721 $2,912
Travelers $3,997 $4,256 $4,453
USAA $2,518 $2,643 $2,789

What affects car insurance rates in Berea, Kentucky?

What factors can have an impact on Berea, KY car insurance? There are several reasons why Berea car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Berea, Kentucky.

Commute Time in Berea

The more time you spend in your car the higher the risk of an accident. The average commute length in Berea, KY is 20.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Berea, KY

Ready to find affordable Berea, Kentucky car insurance today? Enter your ZIP code for fast, free Berea, KY car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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