Best Cheap Auto Insurance in Herndon, KY (2021)

The average Herndon, KY auto insurance rates are $334 per month. The minimum auto insurance in Herndon is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Herndon, 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 Herndon for teen drivers is Travelers
  • The cheapest auto insurance company in Herndon is USAA
  • The minimum auto insurance required in Herndon, Kentucky is 25/50/25

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

Compare auto insurance in Herndon to other Kentucky cities, including George auto insurance rates, Elizabeth auto insurance rates, and Independence auto insurance rates to see how Herndon, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Herndon, Kentucky

Herndon, 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 Herndon, Kentucky.

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

Auto insurance rates in Herndon, 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 Herndon, 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 $3,294 $3,283 $2,948 $3,147 $11,589 $13,010 $3,713 $3,954
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,359 $2,553 $2,013 $2,242 $9,519 $10,515 $2,469 $2,572
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,967 $1,882 $1,759 $1,770 $9,377 $10,617 $2,441 $2,507
State Farm $1,845 $1,845 $1,650 $1,650 $5,604 $7,085 $2,061 $2,316
Travelers $2,157 $2,197 $2,111 $2,117 $10,178 $16,299 $2,252 $2,612
USAA $1,601 $1,605 $1,446 $1,472 $4,220 $4,452 $2,019 $2,210

Cheap Herndon, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Herndon, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,589 $13,010
GEICO $6,168 $7,329
Liberty Mutual $9,519 $10,515
Nationwide $6,272 $7,843
Progressive $9,377 $10,617
State Farm $5,604 $7,085
Travelers $10,178 $16,299
USAA $4,220 $4,452

Cheap Herndon, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Herndon, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,948 $3,147
GEICO $3,218 $2,914
Liberty Mutual $2,013 $2,242
Nationwide $2,588 $2,712
Progressive $1,759 $1,770
State Farm $1,650 $1,650
Travelers $2,111 $2,117
USAA $1,446 $1,472

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

Annual Herndon, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,711 $6,071 $6,418 $5,269
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,577 $5,476 $4,269 $3,798
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,346 $4,932 $3,815 $4,067
State Farm $2,743 $3,271 $3,007 $3,007
Travelers $4,355 $4,481 $6,457 $4,669
USAA $1,796 $2,535 $3,020 $2,161

Cheap Herndon, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Herndon, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,418
GEICO $6,130
Liberty Mutual $4,269
Nationwide $5,164
Progressive $3,815
State Farm $3,007
Travelers $6,457
USAA $3,020

Cheap Herndon, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Herndon, Kentucky

Insurance Company Poor Fair Good
Allstate $7,441 $5,124 $4,287
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,106 $3,759 $2,975
Nationwide $4,825 $3,790 $3,302
Progressive $4,520 $3,934 $3,666
State Farm $4,355 $2,623 $2,043
Travelers $5,568 $4,711 $4,692
USAA $3,530 $1,984 $1,619

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Cheap Herndon, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Herndon, Kentucky

ZIP Code Average Annual Rates
42236 $3,601

Cheap Herndon, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Herndon, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,617 $5,617
GEICO $3,750 $3,821
Liberty Mutual $4,280 $4,280
Nationwide $3,972 $3,972
Progressive $4,040 $4,040
State Farm $2,934 $3,080
Travelers $4,990 $4,990
USAA $2,290 $2,466

Cheap Herndon, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Herndon, Kentucky

Insurance Company Low Medium High
Allstate $5,286 $5,598 $5,967
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,099 $4,256 $4,486
Nationwide $4,032 $3,926 $3,959
Progressive $3,745 $3,995 $4,380
State Farm $2,845 $3,006 $3,170
Travelers $4,749 $5,016 $5,206
USAA $2,271 $2,373 $2,490

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Best By Category: Cheapest Auto Insurance in Herndon, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Herndon, Kentucky

Insurance Company Average Annual Rates
Allstate $5,617
GEICO $3,785
Liberty Mutual $4,280
Nationwide $3,972
Progressive $4,040
State Farm $3,007
Travelers $4,990
USAA $2,378

Compare Herndon, Kentucky Auto Insurance Quotes

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