Compare Somerset, KY Car Insurance Rates (2021)

Car insurance in Somerset, KY averages $380 a month. Somerset, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Somerset car insurance rates, compare quotes from the top car insurance companies in Somerset, 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

  • Average car insurance rates in Somerset, KY are $4,565/year
  • The cheapest ZIP code in Somerset is 42503
  • The cheapest car insurance company in Somerset is USAA

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

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

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

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

How do age, gender, and marital status affect Somerset, KY car insurance rates? Every Somerset, 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 Somerset, 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 $3,906 $3,865 $3,502 $3,741 $14,652 $16,425 $4,365 $4,640
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,386 $2,580 $2,088 $2,320 $9,143 $10,029 $2,455 $2,488
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,308 $2,188 $2,080 $2,085 $11,447 $12,958 $2,862 $2,914
State Farm $2,045 $2,045 $1,828 $1,828 $5,694 $7,222 $2,269 $2,504
Travelers $2,027 $2,065 $1,983 $1,990 $9,496 $15,239 $2,112 $2,447
USAA $2,006 $2,002 $1,814 $1,835 $5,478 $5,754 $2,530 $2,762

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Minimum Car Insurance in Somerset, KY

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

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

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

Annual Car Insurance Rates by Credit Score in Somerset, Kentucky

Insurance Company Poor Fair Good
Allstate $9,133 $6,292 $5,236
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $5,414 $4,734 $4,417
State Farm $4,555 $2,787 $2,195
Travelers $5,210 $4,409 $4,391
USAA $4,486 $2,524 $2,058

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

Annual Somerset, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,689 $7,463 $7,963 $6,433
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $3,496 $5,358 $4,172 $3,719
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $4,012 $5,961 $4,574 $4,873
State Farm $2,928 $3,431 $3,179 $3,179
Travelers $4,080 $4,197 $6,033 $4,371
USAA $2,272 $3,217 $3,861 $2,740

Cheapest Somerset, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Somerset, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,652 $16,425
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $11,447 $12,958
State Farm $5,694 $7,222
Travelers $9,496 $15,239
USAA $5,478 $5,754

Cheapest Somerset, KY Car Insurance for Seniors

Take a look at Somerset, 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 Somerset, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,502 $3,741
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $2,080 $2,085
State Farm $1,828 $1,828
Travelers $1,983 $1,990
USAA $1,814 $1,835

Cheapest Somerset, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Somerset, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,963
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $4,574
State Farm $3,179
Travelers $6,033
USAA $3,861

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Cheapest Somerset, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Somerset, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,887 $6,887
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $4,855 $4,855
State Farm $3,102 $3,257
Travelers $4,670 $4,670
USAA $2,911 $3,134

Cheapest Somerset, KY Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Somerset, Kentucky

ZIP Code Average Annual Rates
42501 $4,070
42503 $4,070

The Best Cheap Car Insurance Companies in Somerset, KY

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

Average Annual Car Insurance Rates by Company in Somerset, Kentucky

Insurance Company Average Annual Rates
Allstate $6,887
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $4,855
State Farm $3,179
Travelers $4,670
USAA $3,023

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Category Winners: Cheapest Car Insurance in Somerset, Kentucky

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

Best Annual Car Insurance Rates by Company in Somerset, 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

Cheapest Somerset, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Somerset, Kentucky

Insurance Company Low Medium High
Allstate $6,480 $6,864 $7,316
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $4,446 $4,784 $5,335
State Farm $2,946 $3,166 $3,426
Travelers $4,430 $4,690 $4,890
USAA $2,881 $3,016 $3,171

What affects car insurance rates in Somerset, Kentucky?

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

Commute Time in Somerset

The more time you spend in your car the higher the risk of an accident. The average commute length in Somerset, KY is 17.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Somerset, KY

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

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