Best Cheap Auto Insurance in Pembroke, KY (2021)

The average Pembroke, KY auto insurance rates are $329 per month. The minimum auto insurance in Pembroke is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Pembroke, 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 Pembroke, KY for senior drivers are $2,209 per year
  • The minimum auto insurance required in Pembroke, Kentucky is 25/50/25
  • The cheapest auto insurance company in Pembroke is USAA

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

Compare auto insurance in Pembroke to other Kentucky cities, including Independence auto insurance rates, Bowling Green auto insurance rates, and Nicholasville auto insurance rates to see how Pembroke, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Pembroke, Kentucky

Pembroke, 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 Pembroke, Kentucky.

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

Auto insurance rates in Pembroke, 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 Pembroke, 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 $3,062 $3,033 $2,761 $2,943 $11,198 $12,575 $3,404 $3,606
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,424 $2,626 $2,056 $2,297 $9,937 $11,006 $2,540 $2,654
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $1,846 $1,759 $1,653 $1,663 $8,858 $10,022 $2,287 $2,343
State Farm $1,818 $1,818 $1,625 $1,625 $5,510 $6,965 $2,030 $2,281
Travelers $1,990 $2,026 $1,949 $1,953 $9,284 $14,834 $2,077 $2,405
USAA $1,864 $1,870 $1,680 $1,711 $4,929 $5,203 $2,356 $2,581

Cheap Pembroke, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pembroke, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,198 $12,575
GEICO $6,168 $7,329
Liberty Mutual $9,937 $11,006
Nationwide $6,272 $7,843
Progressive $8,858 $10,022
State Farm $5,510 $6,965
Travelers $9,284 $14,834
USAA $4,929 $5,203

Cheap Pembroke, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pembroke, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,761 $2,943
GEICO $3,218 $2,914
Liberty Mutual $2,056 $2,297
Nationwide $2,588 $2,712
Progressive $1,653 $1,663
State Farm $1,625 $1,625
Travelers $1,949 $1,953
USAA $1,680 $1,711

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

Annual Pembroke, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,423 $5,757 $6,131 $4,981
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,712 $5,688 $4,430 $3,940
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,150 $4,647 $3,592 $3,826
State Farm $2,699 $3,218 $2,959 $2,959
Travelers $3,986 $4,101 $5,900 $4,273
USAA $2,092 $2,958 $3,528 $2,519

Cheap Pembroke, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pembroke, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,131
GEICO $6,130
Liberty Mutual $4,430
Nationwide $5,164
Progressive $3,592
State Farm $2,959
Travelers $5,900
USAA $3,528

Cheap Pembroke, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pembroke, Kentucky

Insurance Company Poor Fair Good
Allstate $7,041 $4,867 $4,061
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,340 $3,902 $3,086
Nationwide $4,825 $3,790 $3,302
Progressive $4,251 $3,706 $3,454
State Farm $4,285 $2,581 $2,011
Travelers $5,092 $4,310 $4,292
USAA $4,131 $2,310 $1,881

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Cheap Pembroke, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pembroke, Kentucky

ZIP Code Average Annual Rates
42266 $3,528

Cheap Pembroke, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pembroke, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,323 $5,323
GEICO $3,750 $3,821
Liberty Mutual $4,443 $4,443
Nationwide $3,972 $3,972
Progressive $3,804 $3,804
State Farm $2,887 $3,031
Travelers $4,565 $4,565
USAA $2,671 $2,877

Cheap Pembroke, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pembroke, Kentucky

Insurance Company Low Medium High
Allstate $4,989 $5,304 $5,675
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,240 $4,417 $4,671
Nationwide $4,032 $3,926 $3,959
Progressive $3,532 $3,763 $4,117
State Farm $2,801 $2,958 $3,118
Travelers $4,345 $4,588 $4,762
USAA $2,655 $2,768 $2,900

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Best By Category: Cheapest Auto Insurance in Pembroke, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Pembroke, Kentucky

Insurance Company Average Annual Rates
Allstate $5,323
GEICO $3,785
Liberty Mutual $4,443
Nationwide $3,972
Progressive $3,804
State Farm $2,959
Travelers $4,565
USAA $2,774

What affects auto insurance rates in Pembroke, Kentucky?

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

Pembroke Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pembroke, Kentucky commute length is 25.4 minutes according to City-Data.

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Compare Pembroke, Kentucky Auto Insurance Quotes

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