Compare Independence, KY Car Insurance Rates (2021)

Car insurance in Independence, KY averages $312 a month. Independence, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Independence car insurance rates, compare quotes from the top car insurance companies in Independence, 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

  • The cheapest car insurance company in Independence for teen drivers is USAA
  • The cheapest car insurance company in Independence is State Farm
  • Average car insurance rates in Independence, KY after a DUI are $4,472/year

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

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

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

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

How do age, gender, and marital status affect Independence, KY car insurance rates? Every Independence, 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 Independence, 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 $2,937 $2,897 $2,664 $2,840 $11,137 $12,532 $3,230 $3,403
GEICO $3,007 $2,780 $3,153 $2,855 $6,355 $7,510 $2,450 $2,106
Liberty Mutual $2,393 $2,583 $2,043 $2,274 $10,207 $11,266 $2,493 $2,577
Nationwide $2,572 $2,570 $2,336 $2,431 $5,699 $7,063 $2,908 $3,044
Progressive $1,846 $1,748 $1,666 $1,671 $9,146 $10,316 $2,282 $2,320
State Farm $1,548 $1,548 $1,388 $1,388 $4,640 $5,895 $1,730 $1,922
Travelers $1,703 $1,731 $1,682 $1,682 $8,012 $12,767 $1,784 $2,035
USAA $1,737 $1,727 $1,575 $1,586 $4,793 $5,027 $2,182 $2,373

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Minimum Car Insurance in Independence, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Independence, Kentucky

Insurance Company Poor Fair Good
Allstate $6,872 $4,770 $3,974
GEICO $6,211 $3,100 $2,020
Liberty Mutual $6,374 $3,947 $3,117
Nationwide $4,327 $3,424 $2,983
Progressive $4,308 $3,781 $3,534
State Farm $3,626 $2,189 $1,707
Travelers $4,367 $3,711 $3,696
USAA $3,882 $2,197 $1,796

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

Annual Independence, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,298 $5,632 $6,027 $4,863
GEICO $2,260 $4,006 $6,074 $2,768
Liberty Mutual $3,735 $5,745 $4,469 $3,970
Nationwide $2,872 $3,676 $4,615 $3,149
Progressive $3,206 $4,752 $3,653 $3,886
State Farm $2,290 $2,725 $2,507 $2,507
Travelers $3,428 $3,523 $5,077 $3,671
USAA $1,974 $2,789 $3,354 $2,382

Cheapest Independence, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Independence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,137 $12,532
GEICO $6,355 $7,510
Liberty Mutual $10,207 $11,266
Nationwide $5,699 $7,063
Progressive $9,146 $10,316
State Farm $4,640 $5,895
Travelers $8,012 $12,767
USAA $4,793 $5,027

Cheapest Independence, KY Car Insurance for Seniors

Take a look at Independence, 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 Independence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,664 $2,840
GEICO $3,153 $2,855
Liberty Mutual $2,043 $2,274
Nationwide $2,336 $2,431
Progressive $1,666 $1,671
State Farm $1,388 $1,388
Travelers $1,682 $1,682
USAA $1,575 $1,586

Cheapest Independence, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Independence, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,027
GEICO $6,074
Liberty Mutual $4,469
Nationwide $4,615
Progressive $3,653
State Farm $2,507
Travelers $5,077
USAA $3,354

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Cheapest Independence, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Independence, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,205 $5,205
GEICO $3,742 $3,812
Liberty Mutual $4,479 $4,479
Nationwide $3,578 $3,578
Progressive $3,874 $3,874
State Farm $2,444 $2,571
Travelers $3,925 $3,925
USAA $2,530 $2,720

The Best Cheap Car Insurance Companies in Independence, KY

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

Average Annual Car Insurance Rates by Company in Independence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,205
GEICO $3,777
Liberty Mutual $4,479
Nationwide $3,578
Progressive $3,874
State Farm $2,507
Travelers $3,925
USAA $2,625

Category Winners: Cheapest Car Insurance in Independence, Kentucky

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

Best Annual Car Insurance Rates by Company in Independence, Kentucky

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

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Cheapest Independence, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Independence, Kentucky

Insurance Company Low Medium High
Allstate $4,844 $5,185 $5,586
GEICO $3,526 $3,764 $4,041
Liberty Mutual $4,277 $4,453 $4,709
Nationwide $3,592 $3,541 $3,601
Progressive $3,567 $3,835 $4,222
State Farm $2,340 $2,507 $2,676
Travelers $3,723 $3,946 $4,105
USAA $2,501 $2,619 $2,754

What affects car insurance rates in Independence, Kentucky?

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

Commute Time in Independence

The more time you spend in your car the higher the risk of an accident. The average commute length in Independence, KY is 28.8 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, KY

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

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