Best Cheap Auto Insurance in Independence, KY (2021)

The average Independence, KY auto insurance rates are $312 per month. The minimum auto insurance in Independence is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Independence, 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: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Independence for teen drivers is Allstate
  • The cheapest auto insurance company in Independence is State Farm
  • Average auto insurance rates in Independence, KY for senior drivers are $2,077 per year

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

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

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

Minimum Auto Insurance in Independence, Kentucky

Independence, 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 Independence, Kentucky.

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

Auto insurance rates in Independence, 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 Independence, 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 $2,937 $2,897 $2,664 $2,840 $11,137 $12,532 $3,230 $3,403
GEICO $3,007 $2,780 $3,153 $2,855 $6,355 $7,510 $2,450 $2,106
Liberty Mutual $2,393 $2,583 $2,043 $2,274 $10,207 $11,266 $2,493 $2,577
Nationwide $2,572 $2,570 $2,336 $2,431 $5,699 $7,063 $2,908 $3,044
Progressive $1,846 $1,748 $1,666 $1,671 $9,146 $10,316 $2,282 $2,320
State Farm $1,548 $1,548 $1,388 $1,388 $4,640 $5,895 $1,730 $1,922
Travelers $1,703 $1,731 $1,682 $1,682 $8,012 $12,767 $1,784 $2,035
USAA $1,737 $1,727 $1,575 $1,586 $4,793 $5,027 $2,182 $2,373

Cheap Independence, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Independence, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,137 $12,532
GEICO $6,355 $7,510
Liberty Mutual $10,207 $11,266
Nationwide $5,699 $7,063
Progressive $9,146 $10,316
State Farm $4,640 $5,895
Travelers $8,012 $12,767
USAA $4,793 $5,027

Cheap Independence, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Independence, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,664 $2,840
GEICO $3,153 $2,855
Liberty Mutual $2,043 $2,274
Nationwide $2,336 $2,431
Progressive $1,666 $1,671
State Farm $1,388 $1,388
Travelers $1,682 $1,682
USAA $1,575 $1,586

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

Annual Independence, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,298 $5,632 $6,027 $4,863
GEICO $2,260 $4,006 $6,074 $2,768
Liberty Mutual $3,735 $5,745 $4,469 $3,970
Nationwide $2,872 $3,676 $4,615 $3,149
Progressive $3,206 $4,752 $3,653 $3,886
State Farm $2,290 $2,725 $2,507 $2,507
Travelers $3,428 $3,523 $5,077 $3,671
USAA $1,974 $2,789 $3,354 $2,382

Cheap Independence, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Independence, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,027
GEICO $6,074
Liberty Mutual $4,469
Nationwide $4,615
Progressive $3,653
State Farm $2,507
Travelers $5,077
USAA $3,354

Cheap Independence, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Independence, Kentucky

Insurance Company Poor Fair Good
Allstate $6,872 $4,770 $3,974
GEICO $6,211 $3,100 $2,020
Liberty Mutual $6,374 $3,947 $3,117
Nationwide $4,327 $3,424 $2,983
Progressive $4,308 $3,781 $3,534
State Farm $3,626 $2,189 $1,707
Travelers $4,367 $3,711 $3,696
USAA $3,882 $2,197 $1,796

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Cheap Independence, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Independence, Kentucky

ZIP Code Average Annual Rates
41051 $3,348

Cheap Independence, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Independence, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,205 $5,205
GEICO $3,742 $3,812
Liberty Mutual $4,479 $4,479
Nationwide $3,578 $3,578
Progressive $3,874 $3,874
State Farm $2,444 $2,571
Travelers $3,925 $3,925
USAA $2,530 $2,720

Cheap Independence, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Independence, Kentucky

Insurance Company Low Medium High
Allstate $4,844 $5,185 $5,586
GEICO $3,526 $3,764 $4,041
Liberty Mutual $4,277 $4,453 $4,709
Nationwide $3,592 $3,541 $3,601
Progressive $3,567 $3,835 $4,222
State Farm $2,340 $2,507 $2,676
Travelers $3,723 $3,946 $4,105
USAA $2,501 $2,619 $2,754

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Best By Category: Cheapest Auto Insurance in Independence, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Independence, Kentucky

Insurance Company Average Annual Rates
Allstate $5,205
GEICO $3,777
Liberty Mutual $4,479
Nationwide $3,578
Progressive $3,874
State Farm $2,507
Travelers $3,925
USAA $2,625

What affects auto insurance rates in Independence, Kentucky?

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

Independence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Independence, Kentucky commute length is 28.8 minutes according to City-Data.

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Compare Independence, Kentucky Auto Insurance Quotes

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

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