Compare Ferguson, KY Car Insurance Rates (2021)

Car insurance in Ferguson, KY averages $381 a month. Ferguson, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ferguson car insurance rates, compare quotes from the top car insurance companies in Ferguson, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Ferguson, KY are $4,569/year
  • The cheapest car insurance company in Ferguson is USAA
  • Average car insurance rates in Ferguson, KY after a DUI are $5,497/year

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

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

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

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

How do age, gender, and marital status affect Ferguson, KY car insurance rates? Every Ferguson, 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 Ferguson, 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 $3,929 $3,888 $3,518 $3,759 $14,730 $16,515 $4,395 $4,675
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 $2,332 $2,213 $2,098 $2,105 $11,503 $13,022 $2,894 $2,950
State Farm $2,082 $2,082 $1,862 $1,862 $5,823 $7,387 $2,311 $2,550
Travelers $1,999 $2,034 $1,962 $1,968 $9,528 $15,380 $2,083 $2,396
USAA $1,940 $1,935 $1,760 $1,779 $5,283 $5,543 $2,441 $2,662

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Minimum Car Insurance in Ferguson, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Ferguson, Kentucky

Insurance Company Poor Fair Good
Allstate $9,183 $6,328 $5,267
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $5,457 $4,767 $4,445
State Farm $4,651 $2,844 $2,239
Travelers $5,202 $4,410 $4,394
USAA $4,324 $2,439 $1,991

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

Annual Ferguson, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,721 $7,506 $8,008 $6,469
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 $4,041 $5,999 $4,609 $4,911
State Farm $2,986 $3,503 $3,245 $3,245
Travelers $4,080 $4,195 $6,034 $4,366
USAA $2,197 $3,105 $3,722 $2,648

Cheapest Ferguson, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ferguson, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,730 $16,515
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $11,503 $13,022
State Farm $5,823 $7,387
Travelers $9,528 $15,380
USAA $5,283 $5,543

Cheapest Ferguson, KY Car Insurance for Seniors

Take a look at Ferguson, 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 Ferguson, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,518 $3,759
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $2,098 $2,105
State Farm $1,862 $1,862
Travelers $1,962 $1,968
USAA $1,760 $1,779

Cheapest Ferguson, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ferguson, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,008
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $4,609
State Farm $3,245
Travelers $6,034
USAA $3,722

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Cheapest Ferguson, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ferguson, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,926 $6,926
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $4,890 $4,890
State Farm $3,165 $3,324
Travelers $4,669 $4,669
USAA $2,810 $3,026

The Best Cheap Car Insurance Companies in Ferguson, KY

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

Average Annual Car Insurance Rates by Company in Ferguson, Kentucky

Insurance Company Average Annual Rates
Allstate $6,926
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $4,890
State Farm $3,245
Travelers $4,669
USAA $2,918

Category Winners: Cheapest Car Insurance in Ferguson, Kentucky

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

Best Annual Car Insurance Rates by Company in Ferguson, 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 Ferguson, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ferguson, Kentucky

Insurance Company Low Medium High
Allstate $6,533 $6,904 $7,341
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $4,493 $4,821 $5,355
State Farm $3,004 $3,232 $3,498
Travelers $4,401 $4,685 $4,921
USAA $2,769 $2,910 $3,074

What affects car insurance rates in Ferguson, Kentucky?

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

Commute Time in Ferguson

The more time you spend in your car the higher the risk of an accident. The average commute length in Ferguson, KY is 13.7 minutes according to City-Data.

Compare Car Insurance Quotes in Ferguson, KY

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

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