Compare London, KY Car Insurance Rates (2021)

Car insurance in London, KY averages $428 a month. London, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap London car insurance rates, compare quotes from the top car insurance companies in London, 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 London is USAA
  • The cheapest car insurance company in London for teen drivers is USAA
  • Average car insurance rates in London, KY after a DUI are $6,194/year

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

You’ll find London car insurance rates, the cheapest London, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare London, Kentucky car insurance rates to Independence car insurance rates, Owensboro car insurance rates, and Richmond car insurance rates.

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

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

How do age, gender, and marital status affect London, KY car insurance rates? Every London, 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 London, 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 $3,955 $3,913 $3,548 $3,788 $14,777 $16,562 $4,417 $4,694
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,585 $2,803 $2,222 $2,484 $10,346 $11,432 $2,680 $2,755
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,659 $2,510 $2,410 $2,411 $13,463 $15,249 $3,297 $3,329
State Farm $1,984 $1,984 $1,766 $1,766 $5,403 $6,856 $2,199 $2,422
Travelers $3,063 $3,123 $2,991 $3,003 $14,932 $24,056 $3,198 $3,735
USAA $1,970 $1,968 $1,784 $1,807 $5,355 $5,621 $2,484 $2,715

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Minimum Car Insurance in London, KY

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

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

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

Annual Car Insurance Rates by Credit Score in London, Kentucky

Insurance Company Poor Fair Good
Allstate $9,232 $6,354 $5,285
GEICO $7,842 $3,915 $2,550
Liberty Mutual $6,657 $4,097 $3,236
Nationwide $7,021 $5,495 $4,763
Progressive $6,314 $5,527 $5,157
State Farm $4,363 $2,673 $2,107
Travelers $8,115 $6,850 $6,823
USAA $4,395 $2,475 $2,019

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

Annual London, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,750 $7,537 $8,041 $6,499
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $3,892 $5,977 $4,647 $4,137
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,673 $6,988 $5,325 $5,678
State Farm $2,814 $3,281 $3,048 $3,048
Travelers $6,324 $6,511 $9,430 $6,786
USAA $2,229 $3,154 $3,783 $2,686

Cheapest London, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in London, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,777 $16,562
GEICO $7,942 $9,404
Liberty Mutual $10,346 $11,432
Nationwide $9,302 $11,583
Progressive $13,463 $15,249
State Farm $5,403 $6,856
Travelers $14,932 $24,056
USAA $5,355 $5,621

Cheapest London, KY Car Insurance for Seniors

Take a look at London, 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 London, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,548 $3,788
GEICO $4,003 $3,626
Liberty Mutual $2,222 $2,484
Nationwide $3,677 $3,839
Progressive $2,410 $2,411
State Farm $1,766 $1,766
Travelers $2,991 $3,003
USAA $1,784 $1,807

Cheapest London, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in London, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,041
GEICO $7,717
Liberty Mutual $4,647
Nationwide $7,562
Progressive $5,325
State Farm $3,048
Travelers $9,430
USAA $3,783

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Cheapest London, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in London, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,957 $6,957
GEICO $4,724 $4,814
Liberty Mutual $4,663 $4,663
Nationwide $5,760 $5,760
Progressive $5,666 $5,666
State Farm $2,974 $3,122
Travelers $7,263 $7,263
USAA $2,853 $3,073

Cheapest London, KY Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in London, Kentucky

ZIP Code Average Annual Rates
40741 $4,691
40744 $4,686

The Best Cheap Car Insurance Companies in London, KY

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

Average Annual Car Insurance Rates by Company in London, Kentucky

Insurance Company Average Annual Rates
Allstate $6,957
GEICO $4,769
Liberty Mutual $4,663
Nationwide $5,760
Progressive $5,666
State Farm $3,048
Travelers $7,263
USAA $2,963

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Category Winners: Cheapest Car Insurance in London, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in London, Kentucky

Insurance Company Low Medium High
Allstate $6,542 $6,933 $7,395
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,389 $4,627 $4,974
Nationwide $5,806 $5,676 $5,797
Progressive $5,098 $5,550 $6,350
State Farm $2,828 $3,034 $3,281
Travelers $6,915 $7,297 $7,576
USAA $2,814 $2,955 $3,120

What affects car insurance rates in London, Kentucky?

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

Commute Time in London

The more time you spend in your car the higher the risk of an accident. The average commute length in London, KY is 16.0 minutes according to City-Data.

Traffic in London

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. London, KY traffic data from INRIX ranks London as the 16th-most congested in the world.

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Compare Car Insurance Quotes in London, KY

Ready to find affordable London, Kentucky car insurance today? Enter your ZIP code for fast, free London, 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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