Compare Germantown, KY Car Insurance Rates (2021)

Car insurance in Germantown, KY averages $386 a month. Germantown, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Germantown car insurance rates, compare quotes from the top car insurance companies in Germantown, 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 Germantown, KY are $4,635/year
  • The cheapest car insurance company in Germantown is USAA
  • Average car insurance rates in Germantown, KY after a DUI are $5,522/year

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

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

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

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

How do age, gender, and marital status affect Germantown, KY car insurance rates? Every Germantown, 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 Germantown, 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 $3,223 $3,187 $2,912 $3,106 $12,035 $13,528 $3,569 $3,772
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,120 $3,380 $2,646 $2,948 $13,242 $14,624 $3,277 $3,428
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,331 $2,223 $2,081 $2,093 $11,226 $12,732 $2,898 $2,983
State Farm $2,264 $2,264 $2,024 $2,024 $6,914 $8,727 $2,529 $2,851
Travelers $2,187 $2,226 $2,144 $2,148 $10,319 $16,502 $2,282 $2,647
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

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Minimum Car Insurance in Germantown, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Germantown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,496 $5,184 $4,320
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,364 $5,114 $4,022
Nationwide $5,647 $4,437 $3,858
Progressive $5,397 $4,695 $4,371
State Farm $5,360 $3,227 $2,513
Travelers $5,646 $4,772 $4,752
USAA $4,399 $2,446 $1,988

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

Annual Germantown, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,693 $6,131 $6,544 $5,298
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,852 $7,490 $5,823 $5,167
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,987 $5,888 $4,555 $4,854
State Farm $3,372 $4,027 $3,700 $3,700
Travelers $4,410 $4,538 $6,546 $4,733
USAA $2,219 $3,142 $3,746 $2,670

Cheapest Germantown, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Germantown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,035 $13,528
GEICO $7,170 $8,568
Liberty Mutual $13,242 $14,624
Nationwide $7,450 $9,339
Progressive $11,226 $12,732
State Farm $6,914 $8,727
Travelers $10,319 $16,502
USAA $5,206 $5,502

Cheapest Germantown, KY Car Insurance for Seniors

Take a look at Germantown, 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 Germantown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,912 $3,106
GEICO $3,742 $3,389
Liberty Mutual $2,646 $2,948
Nationwide $2,972 $3,117
Progressive $2,081 $2,093
State Farm $2,024 $2,024
Travelers $2,144 $2,148
USAA $1,779 $1,819

Cheapest Germantown, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Germantown, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,544
GEICO $7,199
Liberty Mutual $5,823
Nationwide $6,064
Progressive $4,555
State Farm $3,700
Travelers $6,546
USAA $3,746

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Cheapest Germantown, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Germantown, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,667 $5,667
GEICO $4,371 $4,456
Liberty Mutual $5,833 $5,833
Nationwide $4,647 $4,647
Progressive $4,821 $4,821
State Farm $3,611 $3,789
Travelers $5,057 $5,057
USAA $2,835 $3,054

The Best Cheap Car Insurance Companies in Germantown, KY

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

Average Annual Car Insurance Rates by Company in Germantown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,667
GEICO $4,413
Liberty Mutual $5,833
Nationwide $4,647
Progressive $4,821
State Farm $3,700
Travelers $5,057
USAA $2,944

Category Winners: Cheapest Car Insurance in Germantown, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Germantown, Kentucky

Insurance Company Low Medium High
Allstate $5,285 $5,645 $6,070
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,604 $5,802 $6,093
Nationwide $4,735 $4,596 $4,611
Progressive $4,509 $4,771 $5,183
State Farm $3,517 $3,700 $3,883
Travelers $4,813 $5,080 $5,278
USAA $2,827 $2,938 $3,068

What affects car insurance rates in Germantown, Kentucky?

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

Commute Time in Germantown

The more time you spend in your car the higher the risk of an accident. The average commute length in Germantown, KY is 28.6 minutes according to City-Data.

Compare Car Insurance Quotes in Germantown, KY

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

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