Best Cheap Auto Insurance in Livingston, KY (2021)

The average Livingston, KY auto insurance rates are $437 per month. The minimum auto insurance in Livingston is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Livingston, 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 Livingston, KY for senior drivers are $2,863 per year
  • The average commute length in Livingston is 34.1 minutes
  • The cheapest auto insurance company in Livingston is State Farm

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

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

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

Minimum Auto Insurance in Livingston, Kentucky

Livingston, 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 Livingston, Kentucky.

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

Auto insurance rates in Livingston, 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 Livingston, 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 $5,502 $5,406 $4,996 $5,355 $22,561 $25,040 $6,021 $6,315
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $3,065 $3,325 $2,649 $2,955 $11,968 $13,178 $3,180 $3,265
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,836 $2,676 $2,562 $2,565 $14,304 $16,213 $3,520 $3,567
State Farm $1,869 $1,869 $1,667 $1,667 $5,369 $6,817 $2,082 $2,308
Travelers $2,194 $2,234 $2,151 $2,158 $10,512 $16,917 $2,290 $2,645
USAA $2,085 $2,080 $1,884 $1,906 $5,707 $5,992 $2,630 $2,871

Cheap Livingston, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Livingston, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,561 $25,040
GEICO $7,942 $9,404
Liberty Mutual $11,968 $13,178
Nationwide $7,042 $8,761
Progressive $14,304 $16,213
State Farm $5,369 $6,817
Travelers $10,512 $16,917
USAA $5,707 $5,992

Cheap Livingston, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Livingston, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,996 $5,355
GEICO $4,003 $3,626
Liberty Mutual $2,649 $2,955
Nationwide $2,775 $2,893
Progressive $2,562 $2,565
State Farm $1,667 $1,667
Travelers $2,151 $2,158
USAA $1,884 $1,906

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

Annual Livingston, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,271 $11,022 $11,860 $9,444
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,543 $6,986 $5,430 $4,833
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $4,973 $7,427 $5,673 $6,047
State Farm $2,714 $3,198 $2,956 $2,956
Travelers $4,484 $4,612 $6,651 $4,803
USAA $2,363 $3,346 $4,020 $2,849

Cheap Livingston, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Livingston, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,860
GEICO $7,717
Liberty Mutual $5,430
Nationwide $5,633
Progressive $5,673
State Farm $2,956
Travelers $6,651
USAA $4,020

Cheap Livingston, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Livingston, Kentucky

Insurance Company Poor Fair Good
Allstate $13,535 $9,266 $7,647
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,802 $4,775 $3,766
Nationwide $5,260 $4,162 $3,616
Progressive $6,728 $5,881 $5,482
State Farm $4,262 $2,584 $2,023
Travelers $5,728 $4,851 $4,833
USAA $4,670 $2,624 $2,139

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Cheap Livingston, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Livingston, Kentucky

ZIP Code Average Annual Rates
40445 $4,718

Cheap Livingston, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Livingston, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,149 $10,149
GEICO $4,724 $4,814
Liberty Mutual $5,448 $5,448
Nationwide $4,346 $4,346
Progressive $6,030 $6,030
State Farm $2,883 $3,030
Travelers $5,137 $5,137
USAA $3,029 $3,260

Cheap Livingston, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Livingston, Kentucky

Insurance Company Low Medium High
Allstate $8,946 $10,086 $11,416
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,160 $5,407 $5,776
Nationwide $4,367 $4,301 $4,370
Progressive $5,488 $5,919 $6,683
State Farm $2,765 $2,952 $3,151
Travelers $4,867 $5,160 $5,386
USAA $2,998 $3,137 $3,299

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Best By Category: Cheapest Auto Insurance in Livingston, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Livingston, Kentucky

Insurance Company Average Annual Rates
Allstate $10,149
GEICO $4,769
Liberty Mutual $5,448
Nationwide $4,346
Progressive $6,030
State Farm $2,956
Travelers $5,137
USAA $3,145

What affects auto insurance rates in Livingston, Kentucky?

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

Livingston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Livingston, Kentucky commute length is 34.1 minutes according to City-Data.

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Compare Livingston, Kentucky Auto Insurance Quotes

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