Best Cheap Auto Insurance in Berea, KY (2021)

The average Berea, KY auto insurance rates are $341 per month. The minimum auto insurance in Berea is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Berea, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Berea is 20.8 minutes
  • The most expensive auto insurance company in Berea for teen drivers is Allstate
  • The cheapest auto insurance company in Berea is USAA

Berea, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Berea can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Berea, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Berea to other Kentucky cities, including Florence auto insurance rates, Hopkinsville auto insurance rates, and Richmond auto insurance rates to see how Berea, Kentucky auto insurance rates stack up.

Before you buy Berea, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Berea, Kentucky auto insurance quotes.

Minimum Auto Insurance in Berea, Kentucky

Berea, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Berea, Kentucky.

Minimum Required Auto Insurance Coverage in Berea, 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

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Cheap Berea, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Berea, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Berea, 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 $3,013 $2,961 $2,742 $2,921 $11,657 $13,090 $3,291 $3,459
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,640 $2,860 $2,236 $2,498 $11,117 $12,311 $2,765 $2,886
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,126 $2,010 $1,920 $1,922 $10,625 $12,029 $2,635 $2,681
State Farm $1,738 $1,738 $1,558 $1,558 $4,942 $6,206 $1,937 $2,132
Travelers $1,801 $1,830 $1,782 $1,783 $8,698 $13,958 $1,887 $2,143
USAA $1,771 $1,767 $1,606 $1,624 $4,774 $5,010 $2,223 $2,423

Cheap Berea, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Berea, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Berea, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Berea, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,657 $13,090
GEICO $6,635 $7,852
Liberty Mutual $11,117 $12,311
Nationwide $7,042 $8,761
Progressive $10,625 $12,029
State Farm $4,942 $6,206
Travelers $8,698 $13,958
USAA $4,774 $5,010

Cheap Berea, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Berea, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Berea, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,742 $2,921
GEICO $3,309 $2,996
Liberty Mutual $2,236 $2,498
Nationwide $2,775 $2,893
Progressive $1,920 $1,922
State Farm $1,558 $1,558
Travelers $1,782 $1,783
USAA $1,606 $1,624

Cheap Berea, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Berea, Kentucky compared to the annual auto insurance rates with a clean record in Berea, Kentucky.

Annual Berea, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,427 $5,837 $6,273 $5,030
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,097 $6,303 $4,902 $4,355
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,713 $5,520 $4,233 $4,508
State Farm $2,497 $2,955 $2,726 $2,726
Travelers $3,698 $3,799 $5,487 $3,957
USAA $2,000 $2,820 $3,373 $2,407

Cheap Berea, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Berea, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Berea, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Berea, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,273
GEICO $6,360
Liberty Mutual $4,902
Nationwide $5,633
Progressive $4,233
State Farm $2,726
Travelers $5,487
USAA $3,373

Cheap Berea, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Berea, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Berea, Kentucky

Insurance Company Poor Fair Good
Allstate $7,127 $4,942 $4,106
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,023 $4,316 $3,404
Nationwide $5,260 $4,162 $3,616
Progressive $5,004 $4,384 $4,092
State Farm $3,926 $2,384 $1,868
Travelers $4,709 $4,006 $3,992
USAA $3,931 $2,213 $1,806

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Cheap Berea, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Berea, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Berea, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Berea, Kentucky

ZIP Code Average Annual Rates
40403 $3,630
40404 $3,715

Cheap Berea, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Berea, Kentucky auto insurance. Find the cheapest annual Berea, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Berea, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,392 $5,392
GEICO $3,921 $3,995
Liberty Mutual $4,914 $4,914
Nationwide $4,346 $4,346
Progressive $4,493 $4,493
State Farm $2,656 $2,796
Travelers $4,235 $4,235
USAA $2,552 $2,748

Cheap Berea, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Berea, Kentucky? Check out the comparison of annual Berea, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Berea, Kentucky

Insurance Company Low Medium High
Allstate $4,999 $5,370 $5,807
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,683 $4,884 $5,175
Nationwide $4,367 $4,301 $4,370
Progressive $4,120 $4,429 $4,931
State Farm $2,545 $2,721 $2,912
Travelers $3,997 $4,256 $4,453
USAA $2,518 $2,643 $2,789

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Best By Category: Cheapest Auto Insurance in Berea, Kentucky

Compare the cheapest auto insurance companies in Berea, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Berea, 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

The Cheapest Berea, Kentucky Auto Insurance Companies

What auto insurance companies in Berea, Kentucky are the cheapest? Compare the top Berea, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Berea, Kentucky

Insurance Company Average Annual Rates
Allstate $5,392
GEICO $3,958
Liberty Mutual $4,914
Nationwide $4,346
Progressive $4,493
State Farm $2,726
Travelers $4,235
USAA $2,650

What affects auto insurance rates in Berea, Kentucky?

There are a lot of reasons why auto insurance rates in Berea, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Berea, Kentucky. Many local factors may affect your Berea auto insurance rates.

Berea Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berea, Kentucky commute length is 20.8 minutes according to City-Data.

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Compare Berea, Kentucky Auto Insurance Quotes

Before you buy Berea, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Berea, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

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

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