Best Cheap Auto Insurance in Farmington, KY (2021)

The average Farmington, KY auto insurance rates are $343 per month. The minimum auto insurance in Farmington is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Farmington, 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 Farmington, Kentucky is 25/50/25
  • Average auto insurance rates in Farmington, KY for senior drivers are $2,297 per year
  • The most expensive auto insurance company in Farmington for teen drivers is Travelers

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

Compare auto insurance in Farmington to other Kentucky cities, including Bowling Green auto insurance rates, Hopkinsville auto insurance rates, and George auto insurance rates to see how Farmington, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Farmington, Kentucky

Farmington, 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 Farmington, Kentucky.

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

Auto insurance rates in Farmington, 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 Farmington, 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 $3,119 $3,103 $2,798 $2,987 $11,177 $12,562 $3,500 $3,719
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,559 $2,779 $2,180 $2,440 $9,933 $11,000 $2,680 $2,798
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,064 $1,980 $1,837 $1,856 $9,633 $10,892 $2,561 $2,628
State Farm $1,984 $1,984 $1,771 $1,771 $6,031 $7,612 $2,216 $2,500
Travelers $2,214 $2,255 $2,169 $2,175 $10,535 $16,904 $2,311 $2,677
USAA $1,910 $1,924 $1,714 $1,758 $4,984 $5,272 $2,425 $2,671

Cheap Farmington, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Farmington, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,177 $12,562
GEICO $6,168 $7,329
Liberty Mutual $9,933 $11,000
Nationwide $6,037 $7,550
Progressive $9,633 $10,892
State Farm $6,031 $7,612
Travelers $10,535 $16,904
USAA $4,984 $5,272

Cheap Farmington, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Farmington, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,987
GEICO $3,218 $2,914
Liberty Mutual $2,180 $2,440
Nationwide $2,519 $2,640
Progressive $1,837 $1,856
State Farm $1,771 $1,771
Travelers $2,169 $2,175
USAA $1,714 $1,758

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

Annual Farmington, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,488 $5,807 $6,154 $5,033
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,807 $5,813 $4,530 $4,034
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,464 $5,097 $3,952 $4,214
State Farm $2,949 $3,518 $3,234 $3,234
Travelers $4,497 $4,627 $6,674 $4,821
USAA $2,135 $3,024 $3,602 $2,568

Cheap Farmington, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Farmington, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,154
GEICO $6,130
Liberty Mutual $4,530
Nationwide $4,997
Progressive $3,952
State Farm $3,234
Travelers $6,674
USAA $3,602

Cheap Farmington, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Farmington, Kentucky

Insurance Company Poor Fair Good
Allstate $7,101 $4,907 $4,104
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,498 $3,984 $3,156
Nationwide $4,672 $3,666 $3,197
Progressive $4,695 $4,068 $3,782
State Farm $4,686 $2,820 $2,195
Travelers $5,751 $4,866 $4,847
USAA $4,227 $2,354 $1,915

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Cheap Farmington, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Farmington, Kentucky

ZIP Code Average Annual Rates
42040 $3,690

Cheap Farmington, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Farmington, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,371 $5,371
GEICO $3,750 $3,821
Liberty Mutual $4,546 $4,546
Nationwide $3,845 $3,845
Progressive $4,182 $4,182
State Farm $3,157 $3,311
Travelers $5,155 $5,155
USAA $2,726 $2,938

Cheap Farmington, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Farmington, Kentucky

Insurance Company Low Medium High
Allstate $5,050 $5,352 $5,709
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,333 $4,518 $4,787
Nationwide $3,908 $3,801 $3,826
Progressive $3,883 $4,134 $4,528
State Farm $3,077 $3,232 $3,391
Travelers $4,897 $5,179 $5,389
USAA $2,715 $2,826 $2,956

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Best By Category: Cheapest Auto Insurance in Farmington, Kentucky

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

Best Annual Auto Insurance Rates by Company in Farmington, 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 Farmington, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Farmington, Kentucky

Insurance Company Average Annual Rates
Allstate $5,371
GEICO $3,785
Liberty Mutual $4,546
Nationwide $3,845
Progressive $4,182
State Farm $3,234
Travelers $5,155
USAA $2,832

What affects auto insurance rates in Farmington, Kentucky?

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

Farmington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Farmington, Kentucky commute length is 19.8 minutes according to City-Data.

Farmington Traffic

How does Farmington, Kentucky rank for traffic? According to Inrix Farmington, Kentucky is the 898th most congested worldwide.

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Compare Farmington, Kentucky Auto Insurance Quotes

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