Best Cheap Auto Insurance in Salem, KY (2021)

The average Salem, KY auto insurance rates are $363 per month. The minimum auto insurance in Salem is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Salem, 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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Salem, KY for senior drivers are $2,434 per year
  • The most expensive auto insurance company in Salem for teen drivers is Travelers
  • The minimum auto insurance required in Salem, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in Salem, Kentucky

Salem, 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 Salem, Kentucky.

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

Auto insurance rates in Salem, 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 Salem, 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 $3,202 $3,193 $2,864 $3,060 $11,291 $12,685 $3,612 $3,847
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,648 $2,872 $2,247 $2,507 $10,598 $11,720 $2,787 $2,928
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,210 $2,130 $1,952 $1,979 $10,038 $11,354 $2,745 $2,832
State Farm $2,638 $2,638 $2,358 $2,358 $7,967 $10,012 $2,938 $3,328
Travelers $2,249 $2,290 $2,205 $2,211 $10,771 $17,319 $2,348 $2,716
USAA $1,743 $1,752 $1,568 $1,603 $4,587 $4,842 $2,207 $2,424

Cheap Salem, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Salem, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,291 $12,685
GEICO $6,831 $8,150
Liberty Mutual $10,598 $11,720
Nationwide $6,037 $7,550
Progressive $10,038 $11,354
State Farm $7,967 $10,012
Travelers $10,771 $17,319
USAA $4,587 $4,842

Cheap Salem, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Salem, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,864 $3,060
GEICO $3,608 $3,267
Liberty Mutual $2,247 $2,507
Nationwide $2,519 $2,640
Progressive $1,952 $1,979
State Farm $2,358 $2,358
Travelers $2,205 $2,211
USAA $1,568 $1,603

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

Annual Salem, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,588 $5,912 $6,247 $5,130
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,002 $6,128 $4,776 $4,247
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,651 $5,350 $4,170 $4,448
State Farm $3,904 $4,654 $4,279 $4,279
Travelers $4,592 $4,724 $6,816 $4,922
USAA $1,953 $2,763 $3,296 $2,350

Cheap Salem, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Salem, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,247
GEICO $6,862
Liberty Mutual $4,776
Nationwide $4,997
Progressive $4,170
State Farm $4,279
Travelers $6,816
USAA $3,296

Cheap Salem, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Salem, Kentucky

Insurance Company Poor Fair Good
Allstate $7,236 $4,992 $4,180
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,854 $4,194 $3,316
Nationwide $4,672 $3,666 $3,197
Progressive $4,966 $4,279 $3,970
State Farm $6,179 $3,738 $2,921
Travelers $5,872 $4,969 $4,950
USAA $3,856 $2,158 $1,758

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Cheap Salem, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Salem, Kentucky

ZIP Code Average Annual Rates
42078 $3,887

Cheap Salem, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Salem, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,469 $5,469
GEICO $4,191 $4,270
Liberty Mutual $4,788 $4,788
Nationwide $3,845 $3,845
Progressive $4,405 $4,405
State Farm $4,182 $4,377
Travelers $5,264 $5,264
USAA $2,494 $2,687

Cheap Salem, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Salem, Kentucky

Insurance Company Low Medium High
Allstate $5,148 $5,451 $5,809
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,608 $4,764 $4,992
Nationwide $3,908 $3,801 $3,826
Progressive $4,138 $4,364 $4,713
State Farm $4,089 $4,275 $4,474
Travelers $4,992 $5,287 $5,513
USAA $2,479 $2,585 $2,708

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Best By Category: Cheapest Auto Insurance in Salem, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Salem, Kentucky

Insurance Company Average Annual Rates
Allstate $5,469
GEICO $4,231
Liberty Mutual $4,788
Nationwide $3,845
Progressive $4,405
State Farm $4,279
Travelers $5,264
USAA $2,591

What affects auto insurance rates in Salem, Kentucky?

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

Salem Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Salem, Kentucky commute length is 25.9 minutes according to City-Data.

Salem Traffic

How does Salem, Kentucky rank for traffic? According to Inrix Salem, Kentucky is the 737th most congested worldwide.

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Compare Salem, Kentucky Auto Insurance Quotes

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