Compare Nicholasville, KY Car Insurance Rates (2021)

Car insurance in Nicholasville, KY averages $337 a month. Nicholasville, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Nicholasville car insurance rates, compare quotes from the top car insurance companies in Nicholasville, 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 Nicholasville, KY after a DUI are $4,843/year
  • Average car insurance rates in Nicholasville, KY are $4,044/year
  • The cheapest car insurance company in Nicholasville is State Farm

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

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

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

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

How do age, gender, and marital status affect Nicholasville, KY car insurance rates? Every Nicholasville, 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 Nicholasville, 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 $2,926 $2,875 $2,672 $2,846 $11,392 $12,838 $3,183 $3,334
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,476 $2,672 $2,116 $2,361 $10,854 $11,990 $2,564 $2,626
Nationwide $2,839 $2,838 $2,573 $2,678 $6,512 $8,085 $3,232 $3,390
Progressive $1,992 $1,878 $1,805 $1,806 $10,085 $11,378 $2,464 $2,498
State Farm $1,598 $1,598 $1,428 $1,428 $4,529 $5,766 $1,778 $1,957
Travelers $2,033 $2,066 $2,013 $2,014 $9,987 $16,051 $2,133 $2,427
USAA $1,866 $1,853 $1,701 $1,709 $5,156 $5,401 $2,339 $2,539

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Minimum Car Insurance in Nicholasville, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Nicholasville, Kentucky

Insurance Company Poor Fair Good
Allstate $6,940 $4,824 $4,010
GEICO $6,508 $3,249 $2,117
Liberty Mutual $6,690 $4,156 $3,277
Nationwide $4,855 $3,852 $3,348
Progressive $4,702 $4,139 $3,873
State Farm $3,611 $2,197 $1,723
Travelers $5,385 $4,576 $4,560
USAA $4,164 $2,363 $1,934

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

Annual Nicholasville, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,319 $5,690 $6,117 $4,907
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $3,918 $6,048 $4,694 $4,168
Nationwide $3,221 $4,129 $5,189 $3,534
Progressive $3,504 $5,211 $3,992 $4,246
State Farm $2,308 $2,713 $2,510 $2,510
Travelers $4,220 $4,337 $6,284 $4,520
USAA $2,123 $2,997 $3,599 $2,563

Cheapest Nicholasville, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Nicholasville, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,392 $12,838
GEICO $6,635 $7,852
Liberty Mutual $10,854 $11,990
Nationwide $6,512 $8,085
Progressive $10,085 $11,378
State Farm $4,529 $5,766
Travelers $9,987 $16,051
USAA $5,156 $5,401

Cheapest Nicholasville, KY Car Insurance for Seniors

Take a look at Nicholasville, 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 Nicholasville, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,672 $2,846
GEICO $3,309 $2,996
Liberty Mutual $2,116 $2,361
Nationwide $2,573 $2,678
Progressive $1,805 $1,806
State Farm $1,428 $1,428
Travelers $2,013 $2,014
USAA $1,701 $1,709

Cheapest Nicholasville, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Nicholasville, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,117
GEICO $6,360
Liberty Mutual $4,694
Nationwide $5,189
Progressive $3,992
State Farm $2,510
Travelers $6,284
USAA $3,599

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Cheapest Nicholasville, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Nicholasville, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,258 $5,258
GEICO $3,921 $3,995
Liberty Mutual $4,707 $4,707
Nationwide $4,018 $4,018
Progressive $4,238 $4,238
State Farm $2,446 $2,574
Travelers $4,840 $4,840
USAA $2,717 $2,924

The Best Cheap Car Insurance Companies in Nicholasville, KY

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

Average Annual Car Insurance Rates by Company in Nicholasville, Kentucky

Insurance Company Average Annual Rates
Allstate $5,258
GEICO $3,958
Liberty Mutual $4,707
Nationwide $4,018
Progressive $4,238
State Farm $2,510
Travelers $4,840
USAA $2,821

Category Winners: Cheapest Car Insurance in Nicholasville, Kentucky

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

Best Annual Car Insurance Rates by Company in Nicholasville, Kentucky

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

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Cheapest Nicholasville, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Nicholasville, Kentucky

Insurance Company Low Medium High
Allstate $4,865 $5,236 $5,673
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,448 $4,674 $5,000
Nationwide $4,033 $3,978 $4,044
Progressive $3,885 $4,192 $4,638
State Farm $2,325 $2,506 $2,701
Travelers $4,572 $4,864 $5,085
USAA $2,670 $2,813 $2,978

What affects car insurance rates in Nicholasville, Kentucky?

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

Commute Time in Nicholasville

The more time you spend in your car the higher the risk of an accident. The average commute length in Nicholasville, KY is 24.0 minutes according to City-Data.

Compare Car Insurance Quotes in Nicholasville, KY

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

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