Best Cheap Auto Insurance in Premium, KY (2021)

The average Premium, KY auto insurance rates are $560 per month. The minimum auto insurance in Premium is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Premium, 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 minimum auto insurance required in Premium, Kentucky is 25/50/25
  • Average auto insurance rates in Premium, KY for senior drivers are $3,690 per year
  • The cheapest auto insurance company in Premium is USAA

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

Compare auto insurance in Premium to other Kentucky cities, including Florence auto insurance rates, George auto insurance rates, and Hopkinsville auto insurance rates to see how Premium, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Premium, Kentucky

Premium, 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 Premium, Kentucky.

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

Auto insurance rates in Premium, 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 Premium, 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 $5,530 $5,457 $5,073 $5,385 $20,097 $22,268 $6,014 $6,290
GEICO $4,386 $4,051 $4,595 $4,158 $8,902 $10,417 $3,551 $3,058
Liberty Mutual $4,735 $5,146 $4,044 $4,531 $20,141 $22,252 $4,915 $5,061
Nationwide $5,569 $5,493 $5,035 $5,213 $12,492 $15,331 $6,338 $6,544
Progressive $3,082 $2,912 $2,783 $2,780 $15,618 $17,758 $3,835 $3,907
State Farm $2,467 $2,467 $2,188 $2,188 $6,634 $8,428 $2,734 $3,013
Travelers $3,615 $3,682 $3,556 $3,556 $17,979 $28,919 $3,780 $4,404
USAA $2,168 $2,181 $1,955 $1,999 $5,756 $6,065 $2,751 $3,026

Cheap Premium, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Premium, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,097 $22,268
GEICO $8,902 $10,417
Liberty Mutual $20,141 $22,252
Nationwide $12,492 $15,331
Progressive $15,618 $17,758
State Farm $6,634 $8,428
Travelers $17,979 $28,919
USAA $5,756 $6,065

Cheap Premium, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Premium, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,073 $5,385
GEICO $4,595 $4,158
Liberty Mutual $4,044 $4,531
Nationwide $5,035 $5,213
Progressive $2,783 $2,780
State Farm $2,188 $2,188
Travelers $3,556 $3,556
USAA $1,955 $1,999

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

Annual Premium, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,912 $10,267 $10,967 $8,911
GEICO $3,255 $5,722 $8,597 $3,985
Liberty Mutual $7,337 $11,412 $8,831 $7,833
Nationwide $6,118 $7,981 $10,149 $6,759
Progressive $5,429 $8,105 $6,196 $6,608
State Farm $3,483 $4,047 $3,765 $3,765
Travelers $7,544 $7,770 $11,313 $8,119
USAA $2,436 $3,454 $4,127 $2,933

Cheap Premium, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Premium, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,967
GEICO $8,597
Liberty Mutual $8,831
Nationwide $10,149
Progressive $6,196
State Farm $3,765
Travelers $11,313
USAA $4,127

Cheap Premium, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Premium, Kentucky

Insurance Company Poor Fair Good
Allstate $12,826 $8,618 $7,098
GEICO $8,861 $4,424 $2,884
Liberty Mutual $12,739 $7,753 $6,067
Nationwide $9,520 $7,384 $6,351
Progressive $7,345 $6,421 $5,986
State Farm $5,397 $3,300 $2,598
Travelers $9,717 $8,186 $8,155
USAA $4,820 $2,697 $2,196

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Cheap Premium, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Premium, Kentucky

ZIP Code Average Annual Rates
41845 $6,069

Cheap Premium, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Premium, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $9,514 $9,514
GEICO $5,341 $5,438
Liberty Mutual $8,853 $8,853
Nationwide $7,752 $7,752
Progressive $6,584 $6,584
State Farm $3,674 $3,856
Travelers $8,686 $8,686
USAA $3,114 $3,361

Cheap Premium, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Premium, Kentucky

Insurance Company Low Medium High
Allstate $8,294 $9,436 $10,812
GEICO $4,884 $5,352 $5,934
Liberty Mutual $8,321 $8,781 $9,457
Nationwide $7,743 $7,625 $7,887
Progressive $6,012 $6,462 $7,279
State Farm $3,517 $3,752 $4,026
Travelers $8,268 $8,719 $9,072
USAA $3,078 $3,229 $3,405

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Best By Category: Cheapest Auto Insurance in Premium, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Premium, Kentucky

Insurance Company Average Annual Rates
Allstate $9,514
GEICO $5,390
Liberty Mutual $8,853
Nationwide $7,752
Progressive $6,584
State Farm $3,765
Travelers $8,686
USAA $3,238

Compare Premium, Kentucky Auto Insurance Quotes

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