Best Cheap Auto Insurance in Ferguson, KY (2021)

The average Ferguson, KY auto insurance rates are $381 per month. The minimum auto insurance in Ferguson is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Ferguson, 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 most expensive auto insurance company in Ferguson for teen drivers is Allstate
  • The average commute length in Ferguson is 13.7 minutes
  • Average auto insurance rates in Ferguson, KY for senior drivers are $2,576 per year

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

Compare auto insurance in Ferguson to other Kentucky cities, including Elizabeth auto insurance rates, Nicholasville auto insurance rates, and Florence auto insurance rates to see how Ferguson, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Ferguson, Kentucky

Ferguson, 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 Ferguson, Kentucky.

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

Auto insurance rates in Ferguson, 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 Ferguson, 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 $3,929 $3,888 $3,518 $3,759 $14,730 $16,515 $4,395 $4,675
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 $2,332 $2,213 $2,098 $2,105 $11,503 $13,022 $2,894 $2,950
State Farm $2,082 $2,082 $1,862 $1,862 $5,823 $7,387 $2,311 $2,550
Travelers $1,999 $2,034 $1,962 $1,968 $9,528 $15,380 $2,083 $2,396
USAA $1,940 $1,935 $1,760 $1,779 $5,283 $5,543 $2,441 $2,662

Cheap Ferguson, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ferguson, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,730 $16,515
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $11,503 $13,022
State Farm $5,823 $7,387
Travelers $9,528 $15,380
USAA $5,283 $5,543

Cheap Ferguson, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ferguson, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,518 $3,759
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $2,098 $2,105
State Farm $1,862 $1,862
Travelers $1,962 $1,968
USAA $1,760 $1,779

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

Annual Ferguson, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,721 $7,506 $8,008 $6,469
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 $4,041 $5,999 $4,609 $4,911
State Farm $2,986 $3,503 $3,245 $3,245
Travelers $4,080 $4,195 $6,034 $4,366
USAA $2,197 $3,105 $3,722 $2,648

Cheap Ferguson, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ferguson, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,008
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $4,609
State Farm $3,245
Travelers $6,034
USAA $3,722

Cheap Ferguson, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ferguson, Kentucky

Insurance Company Poor Fair Good
Allstate $9,183 $6,328 $5,267
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $5,457 $4,767 $4,445
State Farm $4,651 $2,844 $2,239
Travelers $5,202 $4,410 $4,394
USAA $4,324 $2,439 $1,991

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Cheap Ferguson, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ferguson, Kentucky

ZIP Code Average Annual Rates
42533 $4,077

Cheap Ferguson, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ferguson, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,926 $6,926
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $4,890 $4,890
State Farm $3,165 $3,324
Travelers $4,669 $4,669
USAA $2,810 $3,026

Cheap Ferguson, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ferguson, Kentucky

Insurance Company Low Medium High
Allstate $6,533 $6,904 $7,341
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $4,493 $4,821 $5,355
State Farm $3,004 $3,232 $3,498
Travelers $4,401 $4,685 $4,921
USAA $2,769 $2,910 $3,074

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Best By Category: Cheapest Auto Insurance in Ferguson, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Ferguson, Kentucky

Insurance Company Average Annual Rates
Allstate $6,926
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $4,890
State Farm $3,245
Travelers $4,669
USAA $2,918

What affects auto insurance rates in Ferguson, Kentucky?

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

Ferguson Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ferguson, Kentucky commute length is 13.7 minutes according to City-Data.

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Compare Ferguson, Kentucky Auto Insurance Quotes

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