Best Cheap Auto Insurance in Falmouth, KY (2021)

The average Falmouth, KY auto insurance rates are $381 per month. The minimum auto insurance in Falmouth is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Falmouth, 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 cheapest auto insurance company in Falmouth is USAA
  • The average commute length in Falmouth is 30.9 minutes
  • Average auto insurance rates in Falmouth, KY for senior drivers are $2,534 per year

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

Compare auto insurance in Falmouth to other Kentucky cities, including Independence auto insurance rates, Nicholasville auto insurance rates, and Bowling Green auto insurance rates to see how Falmouth, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Falmouth, Kentucky

Falmouth, 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 Falmouth, Kentucky.

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

Auto insurance rates in Falmouth, 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 Falmouth, 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 $3,281 $3,247 $2,960 $3,158 $12,218 $13,731 $3,641 $3,852
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,763 $2,990 $2,351 $2,622 $11,658 $12,879 $2,887 $2,999
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,192 $2,093 $1,958 $1,971 $10,495 $11,883 $2,722 $2,795
State Farm $2,407 $2,407 $2,152 $2,152 $7,369 $9,302 $2,690 $3,034
Travelers $2,296 $2,337 $2,258 $2,256 $10,822 $17,136 $2,405 $2,796
USAA $1,922 $1,929 $1,728 $1,763 $5,081 $5,363 $2,432 $2,667

Cheap Falmouth, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Falmouth, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,218 $13,731
GEICO $7,170 $8,568
Liberty Mutual $11,658 $12,879
Nationwide $7,450 $9,339
Progressive $10,495 $11,883
State Farm $7,369 $9,302
Travelers $10,822 $17,136
USAA $5,081 $5,363

Cheap Falmouth, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Falmouth, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,960 $3,158
GEICO $3,742 $3,389
Liberty Mutual $2,351 $2,622
Nationwide $2,972 $3,117
Progressive $1,958 $1,971
State Farm $2,152 $2,152
Travelers $2,258 $2,256
USAA $1,728 $1,763

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

Annual Falmouth, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,774 $6,234 $6,649 $5,387
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,285 $6,601 $5,132 $4,557
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,735 $5,512 $4,263 $4,543
State Farm $3,590 $4,289 $3,939 $3,939
Travelers $4,602 $4,738 $6,863 $4,951
USAA $2,156 $3,051 $3,641 $2,595

Cheap Falmouth, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Falmouth, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,649
GEICO $7,199
Liberty Mutual $5,132
Nationwide $6,064
Progressive $4,263
State Farm $3,939
Travelers $6,863
USAA $3,641

Cheap Falmouth, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Falmouth, Kentucky

Insurance Company Poor Fair Good
Allstate $7,623 $5,269 $4,391
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,350 $4,519 $3,562
Nationwide $5,647 $4,437 $3,858
Progressive $5,053 $4,395 $4,093
State Farm $5,709 $3,435 $2,673
Travelers $5,909 $4,989 $4,966
USAA $4,267 $2,379 $1,935

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Cheap Falmouth, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Falmouth, Kentucky

ZIP Code Average Annual Rates
41040 $4,085

Cheap Falmouth, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Falmouth, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,761 $5,761
GEICO $4,371 $4,456
Liberty Mutual $5,144 $5,144
Nationwide $4,647 $4,647
Progressive $4,514 $4,514
State Farm $3,845 $4,034
Travelers $5,288 $5,288
USAA $2,755 $2,967

Cheap Falmouth, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Falmouth, Kentucky

Insurance Company Low Medium High
Allstate $5,382 $5,740 $6,162
GEICO $4,176 $4,404 $4,660
Liberty Mutual $4,912 $5,113 $5,407
Nationwide $4,735 $4,596 $4,611
Progressive $4,202 $4,466 $4,874
State Farm $3,747 $3,939 $4,131
Travelers $5,077 $5,320 $5,468
USAA $2,742 $2,855 $2,985

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Best By Category: Cheapest Auto Insurance in Falmouth, Kentucky

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

Best Annual Auto Insurance Rates by Company in Falmouth, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Falmouth, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Falmouth, Kentucky

Insurance Company Average Annual Rates
Allstate $5,761
GEICO $4,413
Liberty Mutual $5,144
Nationwide $4,647
Progressive $4,514
State Farm $3,939
Travelers $5,288
USAA $2,861

What affects auto insurance rates in Falmouth, Kentucky?

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

Falmouth Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Falmouth, Kentucky commute length is 30.9 minutes according to City-Data.

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Compare Falmouth, Kentucky Auto Insurance Quotes

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

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

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