Best Cheap Auto Insurance in Fairfield, KY (2021)

The average Fairfield, KY auto insurance rates are $396 per month. The minimum auto insurance in Fairfield is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Fairfield, 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 minimum auto insurance required in Fairfield, Kentucky is 25/50/25
  • The cheapest auto insurance company in Fairfield is USAA
  • The most expensive auto insurance company in Fairfield for teen drivers is Travelers

Fairfield, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Fairfield 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 Fairfield, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Fairfield to other Kentucky cities, including Owensboro auto insurance rates, Covington auto insurance rates, and Hopkinsville auto insurance rates to see how Fairfield, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Fairfield, Kentucky

Fairfield, 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 Fairfield, Kentucky.

Minimum Required Auto Insurance Coverage in Fairfield, 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 Fairfield, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fairfield, 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 Fairfield, 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 $3,447 $3,395 $3,138 $3,347 $13,336 $14,982 $3,771 $3,959
GEICO $4,038 $3,738 $4,219 $3,821 $8,260 $9,795 $3,298 $2,847
Liberty Mutual $3,014 $3,268 $2,574 $2,883 $12,400 $13,714 $3,133 $3,232
Nationwide $3,355 $3,342 $3,031 $3,157 $7,618 $9,461 $3,817 $3,992
Progressive $2,291 $2,173 $2,060 $2,071 $11,275 $12,732 $2,839 $2,889
State Farm $2,112 $2,112 $1,880 $1,880 $5,922 $7,391 $2,361 $2,592
Travelers $2,379 $2,419 $2,350 $2,351 $11,751 $18,882 $2,495 $2,860
USAA $1,914 $1,916 $1,731 $1,759 $5,109 $5,375 $2,413 $2,639

Cheap Fairfield, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fairfield, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,336 $14,982
GEICO $8,260 $9,795
Liberty Mutual $12,400 $13,714
Nationwide $7,618 $9,461
Progressive $11,275 $12,732
State Farm $5,922 $7,391
Travelers $11,751 $18,882
USAA $5,109 $5,375

Cheap Fairfield, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fairfield, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,138 $3,347
GEICO $4,219 $3,821
Liberty Mutual $2,574 $2,883
Nationwide $3,031 $3,157
Progressive $2,060 $2,071
State Farm $1,880 $1,880
Travelers $2,350 $2,351
USAA $1,731 $1,759

Cheap Fairfield, 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 Fairfield, Kentucky compared to the annual auto insurance rates with a clean record in Fairfield, Kentucky.

Annual Fairfield, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,082 $6,681 $7,163 $5,762
GEICO $2,973 $5,301 $8,093 $3,641
Liberty Mutual $4,608 $7,096 $5,509 $4,896
Nationwide $3,746 $4,857 $6,153 $4,129
Progressive $3,961 $5,877 $4,518 $4,810
State Farm $3,006 $3,557 $3,281 $3,281
Travelers $4,950 $5,091 $7,392 $5,310
USAA $2,155 $3,044 $3,636 $2,594

Cheap Fairfield, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fairfield, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,163
GEICO $8,093
Liberty Mutual $5,509
Nationwide $6,153
Progressive $4,518
State Farm $3,281
Travelers $7,392
USAA $3,636

Cheap Fairfield, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fairfield, Kentucky

Insurance Company Poor Fair Good
Allstate $8,176 $5,649 $4,691
GEICO $8,225 $4,106 $2,675
Liberty Mutual $7,897 $4,856 $3,830
Nationwide $5,732 $4,513 $3,919
Progressive $5,346 $4,671 $4,357
State Farm $4,755 $2,861 $2,227
Travelers $6,336 $5,370 $5,351
USAA $4,248 $2,382 $1,942

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Cheap Fairfield, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fairfield, Kentucky

ZIP Code Average Annual Rates
40020 $4,263

Cheap Fairfield, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fairfield, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,172 $6,172
GEICO $4,955 $5,049
Liberty Mutual $5,527 $5,527
Nationwide $4,721 $4,721
Progressive $4,791 $4,791
State Farm $3,195 $3,368
Travelers $5,686 $5,686
USAA $2,750 $2,964

Cheap Fairfield, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fairfield, Kentucky

Insurance Company Low Medium High
Allstate $5,653 $6,143 $6,720
GEICO $4,666 $4,987 $5,353
Liberty Mutual $5,223 $5,487 $5,871
Nationwide $4,750 $4,668 $4,746
Progressive $4,416 $4,734 $5,224
State Farm $3,103 $3,281 $3,460
Travelers $5,389 $5,713 $5,956
USAA $2,719 $2,850 $3,002

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Best By Category: Cheapest Auto Insurance in Fairfield, Kentucky

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

Best Annual Auto Insurance Rates by Company in Fairfield, 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

The Cheapest Fairfield, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fairfield, Kentucky

Insurance Company Average Annual Rates
Allstate $6,172
GEICO $5,002
Liberty Mutual $5,527
Nationwide $4,721
Progressive $4,791
State Farm $3,281
Travelers $5,686
USAA $2,857

What affects auto insurance rates in Fairfield, Kentucky?

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

Fairfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fairfield, Kentucky commute length is 29.1 minutes according to City-Data.

Fairfield Traffic

How does Fairfield, Kentucky rank for traffic? According to Inrix Fairfield, Kentucky is the 658th most congested worldwide.

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Compare Fairfield, Kentucky Auto Insurance Quotes

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