Compare Fairfield, KY Car Insurance Rates (2021)

Car insurance in Fairfield, KY averages $396 a month. Fairfield, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fairfield car insurance rates, compare quotes from the top car insurance companies in Fairfield, 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

  • Average car insurance rates in Fairfield, KY after a DUI are $5,718/year
  • Average car insurance rates in Fairfield, KY are $4,755/year
  • The cheapest car insurance company in Fairfield for teen drivers is USAA

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

You’ll find Fairfield car insurance rates, the cheapest Fairfield, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Fairfield, Kentucky car insurance rates to Florence car insurance rates, Covington car insurance rates, and Frankfort car insurance rates.

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

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

How do age, gender, and marital status affect Fairfield, KY car insurance rates? Every Fairfield, 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 Fairfield, 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 $3,447 $3,395 $3,138 $3,347 $13,336 $14,982 $3,771 $3,959
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $3,014 $3,268 $2,574 $2,883 $12,400 $13,714 $3,133 $3,232
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,291 $2,173 $2,060 $2,071 $11,275 $12,732 $2,839 $2,889
State Farm $2,112 $2,112 $1,880 $1,880 $5,922 $7,391 $2,361 $2,592
Travelers $2,379 $2,419 $2,350 $2,351 $11,751 $18,882 $2,495 $2,860
USAA $1,914 $1,916 $1,731 $1,759 $5,109 $5,375 $2,413 $2,639

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Minimum Car Insurance in Fairfield, KY

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

Minimum Required Car Insurance Coverage in Fairfield, 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 Fairfield, KY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Fairfield, Kentucky

Insurance Company Poor Fair Good
Allstate $8,176 $5,649 $4,691
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,897 $4,856 $3,830
Nationwide $5,732 $4,513 $3,919
Progressive $5,346 $4,671 $4,357
State Farm $4,755 $2,861 $2,227
Travelers $6,336 $5,370 $5,351
USAA $4,248 $2,382 $1,942

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

Annual Fairfield, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,082 $6,681 $7,163 $5,762
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,608 $7,096 $5,509 $4,896
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,961 $5,877 $4,518 $4,810
State Farm $3,006 $3,557 $3,281 $3,281
Travelers $4,950 $5,091 $7,392 $5,310
USAA $2,155 $3,044 $3,636 $2,594

Cheapest Fairfield, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fairfield, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,336 $14,982
GEICO $8,260 $9,795
Liberty Mutual $12,400 $13,714
Nationwide $7,618 $9,461
Progressive $11,275 $12,732
State Farm $5,922 $7,391
Travelers $11,751 $18,882
USAA $5,109 $5,375

Cheapest Fairfield, KY Car Insurance for Seniors

Take a look at Fairfield, 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 Fairfield, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,138 $3,347
GEICO $4,219 $3,821
Liberty Mutual $2,574 $2,883
Nationwide $3,031 $3,157
Progressive $2,060 $2,071
State Farm $1,880 $1,880
Travelers $2,350 $2,351
USAA $1,731 $1,759

Cheapest Fairfield, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fairfield, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,163
GEICO $8,093
Liberty Mutual $5,509
Nationwide $6,153
Progressive $4,518
State Farm $3,281
Travelers $7,392
USAA $3,636

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Cheapest Fairfield, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Fairfield, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,172 $6,172
GEICO $4,955 $5,049
Liberty Mutual $5,527 $5,527
Nationwide $4,721 $4,721
Progressive $4,791 $4,791
State Farm $3,195 $3,368
Travelers $5,686 $5,686
USAA $2,750 $2,964

The Best Cheap Car Insurance Companies in Fairfield, KY

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

Average Annual Car Insurance Rates by Company in Fairfield, Kentucky

Insurance Company Average Annual Rates
Allstate $6,172
GEICO $5,002
Liberty Mutual $5,527
Nationwide $4,721
Progressive $4,791
State Farm $3,281
Travelers $5,686
USAA $2,857

Category Winners: Cheapest Car Insurance in Fairfield, Kentucky

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

Best Annual Car Insurance Rates by Company in Fairfield, Kentucky

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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Cheapest Fairfield, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fairfield, Kentucky

Insurance Company Low Medium High
Allstate $5,653 $6,143 $6,720
GEICO $4,666 $4,987 $5,353
Liberty Mutual $5,223 $5,487 $5,871
Nationwide $4,750 $4,668 $4,746
Progressive $4,416 $4,734 $5,224
State Farm $3,103 $3,281 $3,460
Travelers $5,389 $5,713 $5,956
USAA $2,719 $2,850 $3,002

What affects car insurance rates in Fairfield, Kentucky?

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

Commute Time in Fairfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Fairfield, KY is 29.1 minutes according to City-Data.

Traffic in Fairfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fairfield, KY traffic data from INRIX ranks Fairfield as the 658th-most congested in the world.

Compare Car Insurance Quotes in Fairfield, KY

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

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