Compare Philpot, KY Car Insurance Rates (2021)

Car insurance in Philpot, KY averages $319 a month. Philpot, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Philpot car insurance rates, compare quotes from the top car insurance companies in Philpot, 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 Philpot for teen drivers is USAA
  • The cheapest car insurance company in Philpot is State Farm
  • Average car insurance rates in Philpot, KY are $3,822/year

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

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

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

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

How do age, gender, and marital status affect Philpot, KY car insurance rates? Every Philpot, 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 Philpot, 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 $2,948 $2,926 $2,659 $2,834 $10,598 $11,904 $3,283 $3,477
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,530 $2,734 $2,152 $2,393 $10,787 $11,905 $2,652 $2,762
Nationwide $2,312 $2,314 $2,105 $2,191 $4,986 $6,172 $2,598 $2,718
Progressive $1,720 $1,635 $1,546 $1,553 $8,363 $9,444 $2,128 $2,175
State Farm $1,498 $1,498 $1,341 $1,341 $4,462 $5,662 $1,672 $1,862
Travelers $2,085 $2,123 $2,042 $2,047 $9,785 $15,645 $2,176 $2,523
USAA $1,753 $1,757 $1,581 $1,608 $4,666 $4,921 $2,215 $2,426

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Minimum Car Insurance in Philpot, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Philpot, Kentucky

Insurance Company Poor Fair Good
Allstate $6,717 $4,641 $3,878
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,763 $4,167 $3,287
Nationwide $3,840 $3,036 $2,648
Progressive $3,978 $3,482 $3,252
State Farm $3,494 $2,110 $1,646
Travelers $5,359 $4,535 $4,516
USAA $3,889 $2,181 $1,778

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

Annual Philpot, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,239 $5,488 $5,830 $4,759
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,949 $6,078 $4,730 $4,200
Nationwide $2,560 $3,260 $4,077 $2,801
Progressive $2,957 $4,367 $3,371 $3,587
State Farm $2,209 $2,624 $2,417 $2,417
Travelers $4,192 $4,313 $6,213 $4,495
USAA $1,972 $2,788 $3,330 $2,374

Cheapest Philpot, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Philpot, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,598 $11,904
GEICO $6,876 $8,160
Liberty Mutual $10,787 $11,905
Nationwide $4,986 $6,172
Progressive $8,363 $9,444
State Farm $4,462 $5,662
Travelers $9,785 $15,645
USAA $4,666 $4,921

Cheapest Philpot, KY Car Insurance for Seniors

Take a look at Philpot, 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 Philpot, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,659 $2,834
GEICO $3,530 $3,197
Liberty Mutual $2,152 $2,393
Nationwide $2,105 $2,191
Progressive $1,546 $1,553
State Farm $1,341 $1,341
Travelers $2,042 $2,047
USAA $1,581 $1,608

Cheapest Philpot, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Philpot, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,830
GEICO $6,759
Liberty Mutual $4,730
Nationwide $4,077
Progressive $3,371
State Farm $2,417
Travelers $6,213
USAA $3,330

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Cheapest Philpot, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Philpot, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,079 $5,079
GEICO $4,139 $4,217
Liberty Mutual $4,739 $4,739
Nationwide $3,175 $3,175
Progressive $3,570 $3,570
State Farm $2,356 $2,477
Travelers $4,803 $4,803
USAA $2,520 $2,712

The Best Cheap Car Insurance Companies in Philpot, KY

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

Average Annual Car Insurance Rates by Company in Philpot, Kentucky

Insurance Company Average Annual Rates
Allstate $5,079
GEICO $4,178
Liberty Mutual $4,739
Nationwide $3,175
Progressive $3,570
State Farm $2,417
Travelers $4,803
USAA $2,616

Category Winners: Cheapest Car Insurance in Philpot, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Philpot, Kentucky

Insurance Company Low Medium High
Allstate $4,747 $5,060 $5,430
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,556 $4,715 $4,947
Nationwide $3,202 $3,141 $3,180
Progressive $3,308 $3,538 $3,866
State Farm $2,264 $2,415 $2,571
Travelers $4,573 $4,828 $5,009
USAA $2,504 $2,611 $2,734

Compare Car Insurance Quotes in Philpot, KY

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

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