Best Cheap Auto Insurance in Monticello, KY (2021)

The average Monticello, KY auto insurance rates are $388 per month. The minimum auto insurance in Monticello is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Monticello, 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 Monticello, KY for senior drivers are $2,573 per year
  • The minimum auto insurance required in Monticello, Kentucky is 25/50/25
  • The most expensive auto insurance company in Monticello for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Monticello, Kentucky

Monticello, 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 Monticello, Kentucky.

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

Auto insurance rates in Monticello, 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 Monticello, 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 $3,248 $3,208 $2,950 $3,142 $12,121 $13,576 $3,573 $3,763
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,919 $3,157 $2,511 $2,792 $12,363 $13,609 $3,029 $3,112
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,313 $2,195 $2,080 $2,088 $11,381 $12,886 $2,869 $2,922
State Farm $2,164 $2,164 $1,934 $1,934 $6,078 $7,705 $2,403 $2,657
Travelers $2,494 $2,542 $2,436 $2,443 $11,797 $18,885 $2,602 $3,040
USAA $2,006 $2,002 $1,814 $1,835 $5,478 $5,754 $2,530 $2,762

Cheap Monticello, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monticello, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,121 $13,576
GEICO $6,851 $8,131
Liberty Mutual $12,363 $13,609
Nationwide $7,948 $9,875
Progressive $11,381 $12,886
State Farm $6,078 $7,705
Travelers $11,797 $18,885
USAA $5,478 $5,754

Cheap Monticello, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monticello, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,950 $3,142
GEICO $3,510 $3,179
Liberty Mutual $2,511 $2,792
Nationwide $3,188 $3,325
Progressive $2,080 $2,088
State Farm $1,934 $1,934
Travelers $2,436 $2,443
USAA $1,814 $1,835

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

Annual Monticello, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,717 $6,161 $6,584 $5,328
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $4,515 $6,987 $5,426 $4,818
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $4,001 $5,940 $4,563 $4,862
State Farm $3,110 $3,650 $3,380 $3,380
Travelers $5,038 $5,187 $7,486 $5,409
USAA $2,272 $3,217 $3,861 $2,740

Cheap Monticello, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monticello, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,584
GEICO $6,731
Liberty Mutual $5,426
Nationwide $6,470
Progressive $4,563
State Farm $3,380
Travelers $7,486
USAA $3,861

Cheap Monticello, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Monticello, Kentucky

Insurance Company Poor Fair Good
Allstate $7,558 $5,206 $4,329
GEICO $6,836 $3,413 $2,224
Liberty Mutual $7,779 $4,776 $3,753
Nationwide $6,028 $4,724 $4,097
Progressive $5,407 $4,719 $4,399
State Farm $4,848 $2,962 $2,330
Travelers $6,460 $5,451 $5,428
USAA $4,486 $2,524 $2,058

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Cheap Monticello, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monticello, Kentucky

ZIP Code Average Annual Rates
42633 $4,195

Cheap Monticello, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Monticello, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,698 $5,698
GEICO $4,119 $4,197
Liberty Mutual $5,436 $5,436
Nationwide $4,949 $4,949
Progressive $4,842 $4,842
State Farm $3,298 $3,463
Travelers $5,780 $5,780
USAA $2,911 $3,134

Cheap Monticello, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Monticello, Kentucky

Insurance Company Low Medium High
Allstate $5,231 $5,671 $6,190
GEICO $3,895 $4,144 $4,435
Liberty Mutual $5,160 $5,398 $5,751
Nationwide $5,017 $4,889 $4,942
Progressive $4,444 $4,770 $5,311
State Farm $3,140 $3,367 $3,633
Travelers $5,516 $5,808 $6,016
USAA $2,881 $3,016 $3,171

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Best By Category: Cheapest Auto Insurance in Monticello, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Monticello, Kentucky

Insurance Company Average Annual Rates
Allstate $5,698
GEICO $4,158
Liberty Mutual $5,436
Nationwide $4,949
Progressive $4,842
State Farm $3,380
Travelers $5,780
USAA $3,023

What affects auto insurance rates in Monticello, Kentucky?

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

Monticello Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Monticello, Kentucky commute length is 15.9 minutes according to City-Data.

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Compare Monticello, Kentucky Auto Insurance Quotes

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