Best Cheap Auto Insurance in Manchester, KY (2021)

The average Manchester, KY auto insurance rates are $542 per month. The minimum auto insurance in Manchester is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Manchester, 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 Manchester, KY for senior drivers are $3,631 per year
  • The most expensive auto insurance company in Manchester for teen drivers is Allstate
  • The average commute length in Manchester is 26.8 minutes

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

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

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

Minimum Auto Insurance in Manchester, Kentucky

Manchester, 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 Manchester, Kentucky.

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

Auto insurance rates in Manchester, 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 Manchester, 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 $6,170 $6,074 $5,664 $6,023 $23,229 $25,708 $6,689 $6,983
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $3,472 $3,771 $3,061 $3,412 $12,592 $13,781 $3,559 $3,584
Nationwide $5,553 $5,496 $5,015 $5,208 $12,445 $15,350 $6,313 $6,548
Progressive $2,912 $2,743 $2,637 $2,642 $14,733 $16,673 $3,609 $3,633
State Farm $2,824 $2,824 $2,503 $2,503 $7,766 $9,847 $3,133 $3,472
Travelers $3,465 $3,532 $3,397 $3,410 $17,425 $28,270 $3,621 $4,203
USAA $2,125 $2,130 $1,915 $1,948 $5,722 $6,019 $2,690 $2,948

Cheap Manchester, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Manchester, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $23,229 $25,708
GEICO $8,902 $10,417
Liberty Mutual $12,592 $13,781
Nationwide $12,445 $15,350
Progressive $14,733 $16,673
State Farm $7,766 $9,847
Travelers $17,425 $28,270
USAA $5,722 $6,019

Cheap Manchester, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Manchester, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,664 $6,023
GEICO $4,595 $4,158
Liberty Mutual $3,061 $3,412
Nationwide $5,015 $5,208
Progressive $2,637 $2,642
State Farm $2,503 $2,503
Travelers $3,397 $3,410
USAA $1,915 $1,948

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

Annual Manchester, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,939 $11,690 $12,528 $10,112
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $4,922 $7,571 $5,880 $5,244
Nationwide $6,108 $7,969 $10,137 $6,749
Progressive $5,109 $7,648 $5,824 $6,209
State Farm $4,023 $4,695 $4,359 $4,359
Travelers $7,323 $7,537 $10,948 $7,854
USAA $2,397 $3,396 $4,069 $2,886

Cheap Manchester, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Manchester, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,528
GEICO $8,597
Liberty Mutual $5,880
Nationwide $10,137
Progressive $5,824
State Farm $4,359
Travelers $10,948
USAA $4,069

Cheap Manchester, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Manchester, Kentucky

Insurance Company Poor Fair Good
Allstate $14,578 $9,809 $8,066
GEICO $8,861 $4,424 $2,884
Liberty Mutual $8,468 $5,169 $4,076
Nationwide $9,500 $7,372 $6,351
Progressive $6,915 $6,045 $5,633
State Farm $6,263 $3,817 $2,997
Travelers $9,396 $7,939 $7,911
USAA $4,746 $2,655 $2,161

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Cheap Manchester, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Manchester, Kentucky

ZIP Code Average Annual Rates
40962 $5,875

Cheap Manchester, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Manchester, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,818 $10,818
GEICO $5,341 $5,438
Liberty Mutual $5,904 $5,904
Nationwide $7,741 $7,741
Progressive $6,198 $6,198
State Farm $4,255 $4,463
Travelers $8,415 $8,415
USAA $3,068 $3,306

Cheap Manchester, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Manchester, Kentucky

Insurance Company Low Medium High
Allstate $9,361 $10,727 $12,364
GEICO $4,884 $5,352 $5,934
Liberty Mutual $5,531 $5,848 $6,334
Nationwide $7,713 $7,608 $7,902
Progressive $5,585 $6,068 $6,940
State Farm $4,098 $4,347 $4,632
Travelers $7,963 $8,447 $8,836
USAA $3,041 $3,179 $3,341

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Best By Category: Cheapest Auto Insurance in Manchester, Kentucky

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

Best Annual Auto Insurance Rates by Company in Manchester, Kentucky

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

The Cheapest Manchester, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Manchester, Kentucky

Insurance Company Average Annual Rates
Allstate $10,818
GEICO $5,390
Liberty Mutual $5,904
Nationwide $7,741
Progressive $6,198
State Farm $4,359
Travelers $8,415
USAA $3,187

What affects auto insurance rates in Manchester, Kentucky?

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

Manchester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Manchester, Kentucky commute length is 26.8 minutes according to City-Data.

Manchester Traffic

How does Manchester, Kentucky rank for traffic? According to Inrix Manchester, Kentucky is the 184th most congested worldwide.

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Compare Manchester, Kentucky Auto Insurance Quotes

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