Best Cheap Auto Insurance in Georgetown, KY (2021)

The average Georgetown, KY auto insurance rates are $331 per month. The minimum auto insurance in Georgetown is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Georgetown, 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 Georgetown, Kentucky is 25/50/25
  • The average commute length in Georgetown is 19.5 minutes
  • The cheapest auto insurance company in Georgetown is State Farm

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

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

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

Minimum Auto Insurance in Georgetown, Kentucky

Georgetown, 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 Georgetown, Kentucky.

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

Auto insurance rates in Georgetown, 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 Georgetown, 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 $2,973 $2,928 $2,705 $2,882 $11,395 $12,837 $3,254 $3,419
GEICO $3,286 $3,041 $3,436 $3,112 $6,749 $7,991 $2,682 $2,313
Liberty Mutual $2,558 $2,764 $2,188 $2,441 $10,905 $12,043 $2,654 $2,726
Nationwide $2,839 $2,838 $2,573 $2,678 $6,512 $8,085 $3,232 $3,390
Progressive $2,090 $1,976 $1,884 $1,888 $10,421 $11,777 $2,588 $2,638
State Farm $1,556 $1,556 $1,391 $1,391 $4,528 $5,763 $1,736 $1,919
Travelers $1,783 $1,811 $1,766 $1,766 $8,566 $13,720 $1,868 $2,121
USAA $1,724 $1,718 $1,567 $1,582 $4,657 $4,888 $2,162 $2,354

Cheap Georgetown, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Georgetown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,395 $12,837
GEICO $6,749 $7,991
Liberty Mutual $10,905 $12,043
Nationwide $6,512 $8,085
Progressive $10,421 $11,777
State Farm $4,528 $5,763
Travelers $8,566 $13,720
USAA $4,657 $4,888

Cheap Georgetown, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Georgetown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,705 $2,882
GEICO $3,436 $3,112
Liberty Mutual $2,188 $2,441
Nationwide $2,573 $2,678
Progressive $1,884 $1,888
State Farm $1,391 $1,391
Travelers $1,766 $1,766
USAA $1,567 $1,582

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

Annual Georgetown, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,366 $5,733 $6,148 $4,949
GEICO $2,428 $4,321 $6,581 $2,974
Liberty Mutual $3,987 $6,143 $4,771 $4,239
Nationwide $3,221 $4,129 $5,189 $3,534
Progressive $3,644 $5,408 $4,157 $4,422
State Farm $2,273 $2,687 $2,480 $2,480
Travelers $3,644 $3,745 $5,408 $3,903
USAA $1,948 $2,747 $3,284 $2,347

Cheap Georgetown, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Georgetown, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,148
GEICO $6,581
Liberty Mutual $4,771
Nationwide $5,189
Progressive $4,157
State Farm $2,480
Travelers $5,408
USAA $3,284

Cheap Georgetown, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Georgetown, Kentucky

Insurance Company Poor Fair Good
Allstate $6,997 $4,858 $4,043
GEICO $6,702 $3,346 $2,180
Liberty Mutual $6,811 $4,217 $3,327
Nationwide $4,855 $3,852 $3,348
Progressive $4,905 $4,301 $4,017
State Farm $3,580 $2,166 $1,693
Travelers $4,644 $3,947 $3,933
USAA $3,820 $2,159 $1,765

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Cheap Georgetown, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Georgetown, Kentucky

ZIP Code Average Annual Rates
40324 $3,571

Cheap Georgetown, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Georgetown, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,299 $5,299
GEICO $4,038 $4,114
Liberty Mutual $4,785 $4,785
Nationwide $4,018 $4,018
Progressive $4,408 $4,408
State Farm $2,417 $2,543
Travelers $4,175 $4,175
USAA $2,486 $2,677

Cheap Georgetown, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Georgetown, Kentucky

Insurance Company Low Medium High
Allstate $4,923 $5,278 $5,697
GEICO $3,806 $4,060 $4,363
Liberty Mutual $4,532 $4,752 $5,071
Nationwide $4,033 $3,978 $4,044
Progressive $4,077 $4,362 $4,784
State Farm $2,311 $2,479 $2,649
Travelers $3,941 $4,193 $4,390
USAA $2,448 $2,575 $2,722

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Best By Category: Cheapest Auto Insurance in Georgetown, Kentucky

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

Best Annual Auto Insurance Rates by Company in Georgetown, Kentucky

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

The Cheapest Georgetown, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Georgetown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,299
GEICO $4,076
Liberty Mutual $4,785
Nationwide $4,018
Progressive $4,408
State Farm $2,480
Travelers $4,175
USAA $2,582

What affects auto insurance rates in Georgetown, Kentucky?

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

Georgetown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Georgetown, Kentucky commute length is 19.5 minutes according to City-Data.

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Compare Georgetown, Kentucky Auto Insurance Quotes

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

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