Compare West Somerset, KY Car Insurance Rates (2021)

Car insurance in West Somerset, KY averages $427 a month. West Somerset, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap West Somerset car insurance rates, compare quotes from the top car insurance companies in West 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

  • The cheapest car insurance company in West Somerset for teen drivers is USAA
  • Average car insurance rates in West Somerset, KY are $5,128/year
  • The cheapest car insurance company in West Somerset is USAA

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

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

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

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

How do age, gender, and marital status affect West Somerset, KY car insurance rates? Every West 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 West 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 $3,263 $3,243 $2,937 $3,135 $11,801 $13,256 $3,644 $3,861
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 $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $2,308 $2,308 $2,076 $2,076 $6,353 $7,862 $2,570 $2,807
Travelers $1,998 $2,034 $1,961 $1,967 $9,524 $15,372 $2,082 $2,395
USAA $1,940 $1,935 $1,760 $1,779 $5,283 $5,543 $2,441 $2,662

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Minimum Car Insurance in West Somerset, KY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,471 $5,153 $4,303
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $11,547 $10,089 $9,405
State Farm $5,089 $3,105 $2,441
Travelers $5,200 $4,407 $4,392
USAA $4,324 $2,439 $1,991

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

Annual West Somerset, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,711 $6,100 $6,472 $5,287
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 $8,524 $12,744 $9,734 $10,386
State Farm $3,247 $3,843 $3,545 $3,545
Travelers $4,078 $4,193 $6,031 $4,364
USAA $2,197 $3,105 $3,722 $2,648

Cheapest West Somerset, KY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,801 $13,256
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $24,595 $27,972
State Farm $6,353 $7,862
Travelers $9,524 $15,372
USAA $5,283 $5,543

Cheapest West Somerset, KY Car Insurance for Seniors

Take a look at West 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 West Somerset, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $3,135
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $4,345 $4,341
State Farm $2,076 $2,076
Travelers $1,961 $1,967
USAA $1,760 $1,779

Cheapest West Somerset, KY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,472
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $9,734
State Farm $3,545
Travelers $6,031
USAA $3,722

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Cheapest West Somerset, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in West 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 West Somerset, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,642 $5,642
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $10,347 $10,347
State Farm $3,453 $3,637
Travelers $4,666 $4,666
USAA $2,810 $3,026

The Best Cheap Car Insurance Companies in West Somerset, KY

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

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

Insurance Company Average Annual Rates
Allstate $5,642
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $10,347
State Farm $3,545
Travelers $4,666
USAA $2,918

Category Winners: Cheapest Car Insurance in West Somerset, Kentucky

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

Best Annual Car Insurance Rates by Company in West 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

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Cheapest West Somerset, KY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,249 $5,620 $6,058
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $9,463 $10,162 $11,416
State Farm $3,305 $3,532 $3,798
Travelers $4,399 $4,683 $4,918
USAA $2,769 $2,910 $3,074

Compare Car Insurance Quotes in West Somerset, KY

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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