Best Cheap Auto Insurance in Philpot, KY (2021)

The average Philpot, KY auto insurance rates are $319 per month. The minimum auto insurance in Philpot is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Philpot, 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 Philpot, KY for senior drivers are $2,132 per year
  • The minimum auto insurance required in Philpot, Kentucky is 25/50/25
  • The most expensive auto insurance company in Philpot for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Philpot, Kentucky

Philpot, 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 Philpot, Kentucky.

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

Auto insurance rates in Philpot, 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 Philpot, 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 $2,948 $2,926 $2,659 $2,834 $10,598 $11,904 $3,283 $3,477
GEICO $3,381 $3,130 $3,530 $3,197 $6,876 $8,160 $2,763 $2,387
Liberty Mutual $2,530 $2,734 $2,152 $2,393 $10,787 $11,905 $2,652 $2,762
Nationwide $2,312 $2,314 $2,105 $2,191 $4,986 $6,172 $2,598 $2,718
Progressive $1,720 $1,635 $1,546 $1,553 $8,363 $9,444 $2,128 $2,175
State Farm $1,498 $1,498 $1,341 $1,341 $4,462 $5,662 $1,672 $1,862
Travelers $2,085 $2,123 $2,042 $2,047 $9,785 $15,645 $2,176 $2,523
USAA $1,753 $1,757 $1,581 $1,608 $4,666 $4,921 $2,215 $2,426

Cheap Philpot, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Philpot, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,598 $11,904
GEICO $6,876 $8,160
Liberty Mutual $10,787 $11,905
Nationwide $4,986 $6,172
Progressive $8,363 $9,444
State Farm $4,462 $5,662
Travelers $9,785 $15,645
USAA $4,666 $4,921

Cheap Philpot, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Philpot, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,659 $2,834
GEICO $3,530 $3,197
Liberty Mutual $2,152 $2,393
Nationwide $2,105 $2,191
Progressive $1,546 $1,553
State Farm $1,341 $1,341
Travelers $2,042 $2,047
USAA $1,581 $1,608

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

Annual Philpot, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,239 $5,488 $5,830 $4,759
GEICO $2,483 $4,428 $6,759 $3,041
Liberty Mutual $3,949 $6,078 $4,730 $4,200
Nationwide $2,560 $3,260 $4,077 $2,801
Progressive $2,957 $4,367 $3,371 $3,587
State Farm $2,209 $2,624 $2,417 $2,417
Travelers $4,192 $4,313 $6,213 $4,495
USAA $1,972 $2,788 $3,330 $2,374

Cheap Philpot, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Philpot, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,830
GEICO $6,759
Liberty Mutual $4,730
Nationwide $4,077
Progressive $3,371
State Farm $2,417
Travelers $6,213
USAA $3,330

Cheap Philpot, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Philpot, Kentucky

Insurance Company Poor Fair Good
Allstate $6,717 $4,641 $3,878
GEICO $6,869 $3,430 $2,235
Liberty Mutual $6,763 $4,167 $3,287
Nationwide $3,840 $3,036 $2,648
Progressive $3,978 $3,482 $3,252
State Farm $3,494 $2,110 $1,646
Travelers $5,359 $4,535 $4,516
USAA $3,889 $2,181 $1,778

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Cheap Philpot, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Philpot, Kentucky

ZIP Code Average Annual Rates
42366 $3,408

Cheap Philpot, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Philpot, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,079 $5,079
GEICO $4,139 $4,217
Liberty Mutual $4,739 $4,739
Nationwide $3,175 $3,175
Progressive $3,570 $3,570
State Farm $2,356 $2,477
Travelers $4,803 $4,803
USAA $2,520 $2,712

Cheap Philpot, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Philpot, Kentucky

Insurance Company Low Medium High
Allstate $4,747 $5,060 $5,430
GEICO $3,922 $4,162 $4,450
Liberty Mutual $4,556 $4,715 $4,947
Nationwide $3,202 $3,141 $3,180
Progressive $3,308 $3,538 $3,866
State Farm $2,264 $2,415 $2,571
Travelers $4,573 $4,828 $5,009
USAA $2,504 $2,611 $2,734

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Best By Category: Cheapest Auto Insurance in Philpot, Kentucky

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

Best Annual Auto Insurance Rates by Company in Philpot, Kentucky

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

The Cheapest Philpot, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Philpot, Kentucky

Insurance Company Average Annual Rates
Allstate $5,079
GEICO $4,178
Liberty Mutual $4,739
Nationwide $3,175
Progressive $3,570
State Farm $2,417
Travelers $4,803
USAA $2,616

Compare Philpot, Kentucky Auto Insurance Quotes

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