Best Cheap Auto Insurance in Germantown, KY (2021)

The average Germantown, KY auto insurance rates are $386 per month. The minimum auto insurance in Germantown is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Germantown, 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

  • Average auto insurance rates in Germantown, KY for senior drivers are $2,559 per year
  • The minimum auto insurance required in Germantown, Kentucky is 25/50/25
  • The most expensive auto insurance company in Germantown for teen drivers is Liberty Mutual

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

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

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

Minimum Auto Insurance in Germantown, Kentucky

Germantown, 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 Germantown, Kentucky.

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

Auto insurance rates in Germantown, 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 Germantown, 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 $3,223 $3,187 $2,912 $3,106 $12,035 $13,528 $3,569 $3,772
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,120 $3,380 $2,646 $2,948 $13,242 $14,624 $3,277 $3,428
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,331 $2,223 $2,081 $2,093 $11,226 $12,732 $2,898 $2,983
State Farm $2,264 $2,264 $2,024 $2,024 $6,914 $8,727 $2,529 $2,851
Travelers $2,187 $2,226 $2,144 $2,148 $10,319 $16,502 $2,282 $2,647
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

Cheap Germantown, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Germantown, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,035 $13,528
GEICO $7,170 $8,568
Liberty Mutual $13,242 $14,624
Nationwide $7,450 $9,339
Progressive $11,226 $12,732
State Farm $6,914 $8,727
Travelers $10,319 $16,502
USAA $5,206 $5,502

Cheap Germantown, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Germantown, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,912 $3,106
GEICO $3,742 $3,389
Liberty Mutual $2,646 $2,948
Nationwide $2,972 $3,117
Progressive $2,081 $2,093
State Farm $2,024 $2,024
Travelers $2,144 $2,148
USAA $1,779 $1,819

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

Annual Germantown, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,693 $6,131 $6,544 $5,298
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,852 $7,490 $5,823 $5,167
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,987 $5,888 $4,555 $4,854
State Farm $3,372 $4,027 $3,700 $3,700
Travelers $4,410 $4,538 $6,546 $4,733
USAA $2,219 $3,142 $3,746 $2,670

Cheap Germantown, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Germantown, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,544
GEICO $7,199
Liberty Mutual $5,823
Nationwide $6,064
Progressive $4,555
State Farm $3,700
Travelers $6,546
USAA $3,746

Cheap Germantown, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Germantown, Kentucky

Insurance Company Poor Fair Good
Allstate $7,496 $5,184 $4,320
GEICO $7,256 $3,623 $2,361
Liberty Mutual $8,364 $5,114 $4,022
Nationwide $5,647 $4,437 $3,858
Progressive $5,397 $4,695 $4,371
State Farm $5,360 $3,227 $2,513
Travelers $5,646 $4,772 $4,752
USAA $4,399 $2,446 $1,988

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Cheap Germantown, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Germantown, Kentucky

ZIP Code Average Annual Rates
41044 $4,137

Cheap Germantown, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Germantown, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,667 $5,667
GEICO $4,371 $4,456
Liberty Mutual $5,833 $5,833
Nationwide $4,647 $4,647
Progressive $4,821 $4,821
State Farm $3,611 $3,789
Travelers $5,057 $5,057
USAA $2,835 $3,054

Cheap Germantown, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Germantown, Kentucky

Insurance Company Low Medium High
Allstate $5,285 $5,645 $6,070
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,604 $5,802 $6,093
Nationwide $4,735 $4,596 $4,611
Progressive $4,509 $4,771 $5,183
State Farm $3,517 $3,700 $3,883
Travelers $4,813 $5,080 $5,278
USAA $2,827 $2,938 $3,068

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Best By Category: Cheapest Auto Insurance in Germantown, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Germantown, Kentucky

Insurance Company Average Annual Rates
Allstate $5,667
GEICO $4,413
Liberty Mutual $5,833
Nationwide $4,647
Progressive $4,821
State Farm $3,700
Travelers $5,057
USAA $2,944

What affects auto insurance rates in Germantown, Kentucky?

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

Germantown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Germantown, Kentucky commute length is 28.6 minutes according to City-Data.

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Compare Germantown, Kentucky Auto Insurance Quotes

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