Best Cheap Auto Insurance in London, KY (2021)

The average London, KY auto insurance rates are $428 per month. The minimum auto insurance in London is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in London, Kentucky, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in London for teen drivers is Travelers
  • The minimum auto insurance required in London, Kentucky is 25/50/25
  • The average commute length in London is 16.0 minutes

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

Compare auto insurance in London to other Kentucky cities, including George auto insurance rates, Richmond auto insurance rates, and Covington auto insurance rates to see how London, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in London, Kentucky

London, 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 London, Kentucky.

Minimum Required Auto Insurance Coverage in London, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap London, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in London, 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 London, 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 $3,955 $3,913 $3,548 $3,788 $14,777 $16,562 $4,417 $4,694
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,585 $2,803 $2,222 $2,484 $10,346 $11,432 $2,680 $2,755
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,659 $2,510 $2,410 $2,411 $13,463 $15,249 $3,297 $3,329
State Farm $1,984 $1,984 $1,766 $1,766 $5,403 $6,856 $2,199 $2,422
Travelers $3,063 $3,123 $2,991 $3,003 $14,932 $24,056 $3,198 $3,735
USAA $1,970 $1,968 $1,784 $1,807 $5,355 $5,621 $2,484 $2,715

Cheap London, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in London, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,777 $16,562
GEICO $7,942 $9,404
Liberty Mutual $10,346 $11,432
Nationwide $9,302 $11,583
Progressive $13,463 $15,249
State Farm $5,403 $6,856
Travelers $14,932 $24,056
USAA $5,355 $5,621

Cheap London, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in London, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,548 $3,788
GEICO $4,003 $3,626
Liberty Mutual $2,222 $2,484
Nationwide $3,677 $3,839
Progressive $2,410 $2,411
State Farm $1,766 $1,766
Travelers $2,991 $3,003
USAA $1,784 $1,807

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

Annual London, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,750 $7,537 $8,041 $6,499
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $3,892 $5,977 $4,647 $4,137
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,673 $6,988 $5,325 $5,678
State Farm $2,814 $3,281 $3,048 $3,048
Travelers $6,324 $6,511 $9,430 $6,786
USAA $2,229 $3,154 $3,783 $2,686

Cheap London, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in London, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,041
GEICO $7,717
Liberty Mutual $4,647
Nationwide $7,562
Progressive $5,325
State Farm $3,048
Travelers $9,430
USAA $3,783

Cheap London, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in London, Kentucky

Insurance Company Poor Fair Good
Allstate $9,232 $6,354 $5,285
GEICO $7,842 $3,915 $2,550
Liberty Mutual $6,657 $4,097 $3,236
Nationwide $7,021 $5,495 $4,763
Progressive $6,314 $5,527 $5,157
State Farm $4,363 $2,673 $2,107
Travelers $8,115 $6,850 $6,823
USAA $4,395 $2,475 $2,019

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap London, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in London, Kentucky

ZIP Code Average Annual Rates
40741 $4,691
40744 $4,686

Cheap London, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in London, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,957 $6,957
GEICO $4,724 $4,814
Liberty Mutual $4,663 $4,663
Nationwide $5,760 $5,760
Progressive $5,666 $5,666
State Farm $2,974 $3,122
Travelers $7,263 $7,263
USAA $2,853 $3,073

Cheap London, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in London, Kentucky

Insurance Company Low Medium High
Allstate $6,542 $6,933 $7,395
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,389 $4,627 $4,974
Nationwide $5,806 $5,676 $5,797
Progressive $5,098 $5,550 $6,350
State Farm $2,828 $3,034 $3,281
Travelers $6,915 $7,297 $7,576
USAA $2,814 $2,955 $3,120

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in London, Kentucky

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

Best Annual Auto Insurance Rates by Company in London, Kentucky

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

The Cheapest London, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in London, Kentucky

Insurance Company Average Annual Rates
Allstate $6,957
GEICO $4,769
Liberty Mutual $4,663
Nationwide $5,760
Progressive $5,666
State Farm $3,048
Travelers $7,263
USAA $2,963

What affects auto insurance rates in London, Kentucky?

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

London Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average London, Kentucky commute length is 16.0 minutes according to City-Data.

London Traffic

How does London, Kentucky rank for traffic? According to Inrix London, Kentucky is the 16th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare London, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption