Best Cheap Auto Insurance in Lynch, KY (2021)

The average Lynch, KY auto insurance rates are $548 per month. The minimum auto insurance in Lynch is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Lynch, 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 average commute length in Lynch is 27.4 minutes
  • The most expensive auto insurance company in Lynch for teen drivers is Travelers
  • The cheapest auto insurance company in Lynch is USAA

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

Compare auto insurance in Lynch to other Kentucky cities, including Owensboro auto insurance rates, George auto insurance rates, and Bowling Green auto insurance rates to see how Lynch, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Lynch, Kentucky

Lynch, 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 Lynch, Kentucky.

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

Auto insurance rates in Lynch, 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 Lynch, 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 $5,559 $5,486 $5,102 $5,415 $20,180 $22,365 $6,044 $6,320
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,421 $4,806 $3,690 $4,149 $19,867 $22,076 $4,646 $4,881
Nationwide $5,829 $5,764 $5,260 $5,461 $13,093 $16,143 $6,631 $6,871
Progressive $2,728 $2,574 $2,465 $2,468 $13,754 $15,588 $3,385 $3,430
State Farm $2,293 $2,293 $2,045 $2,045 $6,322 $8,012 $2,542 $2,807
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Cheap Lynch, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lynch, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,180 $22,365
GEICO $8,902 $10,417
Liberty Mutual $19,867 $22,076
Nationwide $13,093 $16,143
Progressive $13,754 $15,588
State Farm $6,322 $8,012
Travelers $17,425 $28,270
USAA $5,756 $6,065

Cheap Lynch, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lynch, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,102 $5,415
GEICO $4,595 $4,158
Liberty Mutual $3,690 $4,149
Nationwide $5,260 $5,461
Progressive $2,465 $2,468
State Farm $2,045 $2,045
Travelers $3,397 $3,410
USAA $1,955 $1,999

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

Annual Lynch, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,951 $10,314 $11,017 $8,954
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,103 $11,043 $8,550 $7,572
Nationwide $6,403 $8,374 $10,669 $7,081
Progressive $4,783 $7,142 $5,456 $5,815
State Farm $3,268 $3,821 $3,545 $3,545
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,436 $3,454 $4,127 $2,933

Cheap Lynch, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lynch, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,017
GEICO $8,597
Liberty Mutual $8,550
Nationwide $10,669
Progressive $5,456
State Farm $3,545
Travelers $10,948
USAA $4,127

Cheap Lynch, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lynch, Kentucky

Insurance Company Poor Fair Good
Allstate $12,889 $8,658 $7,130
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,325 $7,503 $5,873
Nationwide $9,986 $7,742 $6,667
Progressive $6,470 $5,656 $5,272
State Farm $5,076 $3,109 $2,450
Travelers $9,396 $7,939 $7,911
USAA $4,820 $2,697 $2,196

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Cheap Lynch, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lynch, Kentucky

ZIP Code Average Annual Rates
40855 $5,937

Cheap Lynch, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lynch, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,559 $9,559
GEICO $5,341 $5,438
Liberty Mutual $8,567 $8,567
Nationwide $8,132 $8,132
Progressive $5,799 $5,799
State Farm $3,459 $3,631
Travelers $8,415 $8,415
USAA $3,114 $3,361

Cheap Lynch, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lynch, Kentucky

Insurance Company Low Medium High
Allstate $8,332 $9,480 $10,865
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,116 $8,511 $9,074
Nationwide $8,122 $7,993 $8,280
Progressive $5,282 $5,693 $6,422
State Farm $3,300 $3,532 $3,803
Travelers $7,963 $8,447 $8,836
USAA $3,078 $3,229 $3,405

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Best By Category: Cheapest Auto Insurance in Lynch, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Lynch, Kentucky

Insurance Company Average Annual Rates
Allstate $9,559
GEICO $5,390
Liberty Mutual $8,567
Nationwide $8,132
Progressive $5,799
State Farm $3,545
Travelers $8,415
USAA $3,238

What affects auto insurance rates in Lynch, Kentucky?

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

Lynch Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lynch, Kentucky commute length is 27.4 minutes according to City-Data.

Lynch Traffic

How does Lynch, Kentucky rank for traffic? According to Inrix Lynch, Kentucky is the 467th most congested worldwide.

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Compare Lynch, Kentucky Auto Insurance Quotes

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