Best Cheap Auto Insurance in Franklin, KY (2021)

The average Franklin, KY auto insurance rates are $337 per month. The minimum auto insurance in Franklin is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Franklin, 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 Franklin, Kentucky is 25/50/25
  • The average commute length in Franklin is 18.2 minutes
  • The most expensive auto insurance company in Franklin for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Franklin, Kentucky

Franklin, 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 Franklin, Kentucky.

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

Auto insurance rates in Franklin, 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 Franklin, 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 $2,893 $2,861 $2,616 $2,786 $10,629 $11,942 $3,202 $3,385
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,424 $2,625 $2,064 $2,306 $9,802 $10,849 $2,533 $2,634
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $1,801 $1,707 $1,627 $1,630 $8,928 $10,102 $2,229 $2,270
State Farm $1,611 $1,611 $1,438 $1,438 $4,764 $6,048 $1,798 $2,002
Travelers $2,375 $2,420 $2,320 $2,326 $11,186 $17,898 $2,477 $2,890
USAA $1,739 $1,748 $1,567 $1,601 $4,537 $4,791 $2,197 $2,410

Cheap Franklin, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Franklin, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,629 $11,942
GEICO $6,851 $8,131
Liberty Mutual $9,802 $10,849
Nationwide $6,819 $8,506
Progressive $8,928 $10,102
State Farm $4,764 $6,048
Travelers $11,186 $17,898
USAA $4,537 $4,791

Cheap Franklin, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Franklin, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,616 $2,786
GEICO $3,510 $3,179
Liberty Mutual $2,064 $2,306
Nationwide $2,800 $2,930
Progressive $1,627 $1,630
State Farm $1,438 $1,438
Travelers $2,320 $2,326
USAA $1,567 $1,601

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

Annual Franklin, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,182 $5,448 $5,811 $4,715
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,684 $5,638 $4,390 $3,906
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,132 $4,647 $3,568 $3,799
State Farm $2,369 $2,809 $2,589 $2,589
Travelers $4,784 $4,925 $7,102 $5,135
USAA $1,945 $2,746 $3,266 $2,338

Cheap Franklin, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Franklin, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,811
GEICO $6,731
Liberty Mutual $4,390
Nationwide $5,612
Progressive $3,568
State Farm $2,589
Travelers $7,102
USAA $3,266

Cheap Franklin, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Franklin, Kentucky

Insurance Company Poor Fair Good
Allstate $6,660 $4,611 $3,847
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,277 $3,871 $3,065
Nationwide $5,239 $4,104 $3,569
Progressive $4,214 $3,695 $3,452
State Farm $3,745 $2,260 $1,762
Travelers $6,130 $5,176 $5,154
USAA $3,834 $2,142 $1,745

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Cheap Franklin, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Franklin, Kentucky

ZIP Code Average Annual Rates
42134 $3,636

Cheap Franklin, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Franklin, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,039 $5,039
GEICO $4,119 $4,197
Liberty Mutual $4,405 $4,405
Nationwide $4,304 $4,304
Progressive $3,787 $3,787
State Farm $2,524 $2,654
Travelers $5,486 $5,486
USAA $2,478 $2,670

Cheap Franklin, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Franklin, Kentucky

Insurance Company Low Medium High
Allstate $4,718 $5,021 $5,379
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,197 $4,378 $4,639
Nationwide $4,380 $4,252 $4,281
Progressive $3,466 $3,734 $4,160
State Farm $2,430 $2,588 $2,749
Travelers $5,234 $5,513 $5,712
USAA $2,460 $2,568 $2,693

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Best By Category: Cheapest Auto Insurance in Franklin, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Franklin, Kentucky

Insurance Company Average Annual Rates
Allstate $5,039
GEICO $4,158
Liberty Mutual $4,405
Nationwide $4,304
Progressive $3,787
State Farm $2,589
Travelers $5,486
USAA $2,574

What affects auto insurance rates in Franklin, Kentucky?

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

Franklin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Franklin, Kentucky commute length is 18.2 minutes according to City-Data.

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Compare Franklin, Kentucky Auto Insurance Quotes

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

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