Compare Premium, KY Car Insurance Rates (2021)

Car insurance in Premium, KY averages $560 a month. Premium, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Premium car insurance rates, compare quotes from the top car insurance companies in Premium, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Premium is USAA
  • The cheapest car insurance company in Premium for teen drivers is USAA
  • Average car insurance rates in Premium, KY after a DUI are $7,993/year

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

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

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

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

How do age, gender, and marital status affect Premium, KY car insurance rates? Every Premium, 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 Premium, 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 $5,530 $5,457 $5,073 $5,385 $20,097 $22,268 $6,014 $6,290
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,735 $5,146 $4,044 $4,531 $20,141 $22,252 $4,915 $5,061
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,082 $2,912 $2,783 $2,780 $15,618 $17,758 $3,835 $3,907
State Farm $2,467 $2,467 $2,188 $2,188 $6,634 $8,428 $2,734 $3,013
Travelers $3,615 $3,682 $3,556 $3,556 $17,979 $28,919 $3,780 $4,404
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

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Minimum Car Insurance in Premium, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Premium, Kentucky

Insurance Company Poor Fair Good
Allstate $12,826 $8,618 $7,098
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,739 $7,753 $6,067
Nationwide $9,520 $7,384 $6,351
Progressive $7,345 $6,421 $5,986
State Farm $5,397 $3,300 $2,598
Travelers $9,717 $8,186 $8,155
USAA $4,820 $2,697 $2,196

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

Annual Premium, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,912 $10,267 $10,967 $8,911
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,337 $11,412 $8,831 $7,833
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,429 $8,105 $6,196 $6,608
State Farm $3,483 $4,047 $3,765 $3,765
Travelers $7,544 $7,770 $11,313 $8,119
USAA $2,436 $3,454 $4,127 $2,933

Cheapest Premium, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Premium, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,097 $22,268
GEICO $8,902 $10,417
Liberty Mutual $20,141 $22,252
Nationwide $12,492 $15,331
Progressive $15,618 $17,758
State Farm $6,634 $8,428
Travelers $17,979 $28,919
USAA $5,756 $6,065

Cheapest Premium, KY Car Insurance for Seniors

Take a look at Premium, 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 Premium, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,073 $5,385
GEICO $4,595 $4,158
Liberty Mutual $4,044 $4,531
Nationwide $5,035 $5,213
Progressive $2,783 $2,780
State Farm $2,188 $2,188
Travelers $3,556 $3,556
USAA $1,955 $1,999

Cheapest Premium, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Premium, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,967
GEICO $8,597
Liberty Mutual $8,831
Nationwide $10,149
Progressive $6,196
State Farm $3,765
Travelers $11,313
USAA $4,127

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Cheapest Premium, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Premium, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,514 $9,514
GEICO $5,341 $5,438
Liberty Mutual $8,853 $8,853
Nationwide $7,752 $7,752
Progressive $6,584 $6,584
State Farm $3,674 $3,856
Travelers $8,686 $8,686
USAA $3,114 $3,361

The Best Cheap Car Insurance Companies in Premium, KY

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

Average Annual Car Insurance Rates by Company in Premium, Kentucky

Insurance Company Average Annual Rates
Allstate $9,514
GEICO $5,390
Liberty Mutual $8,853
Nationwide $7,752
Progressive $6,584
State Farm $3,765
Travelers $8,686
USAA $3,238

Category Winners: Cheapest Car Insurance in Premium, Kentucky

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

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

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

Annual Car Insurance Rates by Coverage Level in Premium, Kentucky

Insurance Company Low Medium High
Allstate $8,294 $9,436 $10,812
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,321 $8,781 $9,457
Nationwide $7,743 $7,625 $7,887
Progressive $6,012 $6,462 $7,279
State Farm $3,517 $3,752 $4,026
Travelers $8,268 $8,719 $9,072
USAA $3,078 $3,229 $3,405

Compare Car Insurance Quotes in Premium, KY

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

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