Compare West Point, KY Car Insurance Rates (2021)

Car insurance in West Point, KY averages $380 a month. West Point, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap West Point car insurance rates, compare quotes from the top car insurance companies in West Point, 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 West Point for teen drivers is USAA
  • Average car insurance rates in West Point, KY are $4,566/year
  • Average car insurance rates in West Point, KY after a DUI are $5,454/year

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

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

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

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

How do age, gender, and marital status affect West Point, KY car insurance rates? Every West Point, 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 West Point, 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 $3,302 $3,255 $3,001 $3,202 $12,711 $14,240 $3,622 $3,808
GEICO $3,766 $3,482 $3,964 $3,591 $8,103 $9,507 $3,062 $2,623
Liberty Mutual $3,141 $3,401 $2,683 $2,992 $13,130 $14,486 $3,278 $3,393
Nationwide $3,035 $3,029 $2,745 $2,862 $6,743 $8,373 $3,436 $3,593
Progressive $2,547 $2,408 $2,300 $2,314 $12,622 $14,219 $3,149 $3,165
State Farm $1,577 $1,577 $1,410 $1,410 $4,577 $5,805 $1,756 $1,950
Travelers $2,345 $2,388 $2,298 $2,306 $11,345 $18,270 $2,450 $2,832
USAA $1,637 $1,633 $1,487 $1,503 $4,417 $4,639 $2,056 $2,242

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Minimum Car Insurance in West Point, KY

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

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

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

Annual Car Insurance Rates by Credit Score in West Point, Kentucky

Insurance Company Poor Fair Good
Allstate $7,806 $5,392 $4,480
GEICO $7,832 $3,910 $2,546
Liberty Mutual $8,316 $5,104 $4,019
Nationwide $5,136 $4,037 $3,508
Progressive $5,962 $5,207 $4,853
State Farm $3,613 $2,193 $1,717
Travelers $6,165 $5,222 $5,202
USAA $3,626 $2,051 $1,678

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

Annual West Point, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,855 $6,379 $6,835 $5,502
GEICO $2,841 $5,050 $7,678 $3,481
Liberty Mutual $4,839 $7,466 $5,798 $5,149
Nationwide $3,361 $4,347 $5,499 $3,701
Progressive $4,409 $6,578 $5,023 $5,351
State Farm $2,299 $2,717 $2,508 $2,508
Travelers $4,823 $4,961 $7,167 $5,166
USAA $1,849 $2,609 $3,121 $2,228

Cheapest West Point, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in West Point, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,711 $14,240
GEICO $8,103 $9,507
Liberty Mutual $13,130 $14,486
Nationwide $6,743 $8,373
Progressive $12,622 $14,219
State Farm $4,577 $5,805
Travelers $11,345 $18,270
USAA $4,417 $4,639

Cheapest West Point, KY Car Insurance for Seniors

Take a look at West Point, 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 West Point, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,001 $3,202
GEICO $3,964 $3,591
Liberty Mutual $2,683 $2,992
Nationwide $2,745 $2,862
Progressive $2,300 $2,314
State Farm $1,410 $1,410
Travelers $2,298 $2,306
USAA $1,487 $1,503

Cheapest West Point, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in West Point, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,835
GEICO $7,678
Liberty Mutual $5,798
Nationwide $5,499
Progressive $5,023
State Farm $2,508
Travelers $7,167
USAA $3,121

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Cheapest West Point, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in West Point, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,893 $5,893
GEICO $4,718 $4,807
Liberty Mutual $5,813 $5,813
Nationwide $4,227 $4,227
Progressive $5,340 $5,340
State Farm $2,446 $2,570
Travelers $5,529 $5,529
USAA $2,361 $2,542

The Best Cheap Car Insurance Companies in West Point, KY

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

Average Annual Car Insurance Rates by Company in West Point, Kentucky

Insurance Company Average Annual Rates
Allstate $5,893
GEICO $4,762
Liberty Mutual $5,813
Nationwide $4,227
Progressive $5,340
State Farm $2,508
Travelers $5,529
USAA $2,452

Category Winners: Cheapest Car Insurance in West Point, Kentucky

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

Best Annual Car Insurance Rates by Company in West Point, 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

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Cheapest West Point, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Point, Kentucky

Insurance Company Low Medium High
Allstate $5,385 $5,865 $6,428
GEICO $4,389 $4,763 $5,134
Liberty Mutual $5,550 $5,777 $6,112
Nationwide $4,276 $4,178 $4,227
Progressive $4,818 $5,245 $5,958
State Farm $2,341 $2,503 $2,680
Travelers $5,243 $5,556 $5,789
USAA $2,328 $2,446 $2,582

What affects car insurance rates in West Point, Kentucky?

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

Commute Time in West Point

The more time you spend in your car the higher the risk of an accident. The average commute length in West Point, KY is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in West Point, KY

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

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