Best Cheap Auto Insurance in Somerset, KY (2021)

The average Somerset, KY auto insurance rates are $380 per month. The minimum auto insurance in Somerset is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Somerset, Kentucky, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Somerset for teen drivers is Allstate
  • The average commute length in Somerset is 17.5 minutes
  • The minimum auto insurance required in Somerset, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in Somerset, Kentucky

Somerset, 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 Somerset, Kentucky.

Minimum Required Auto Insurance Coverage in Somerset, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Somerset, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Somerset, 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 Somerset, 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 $3,906 $3,865 $3,502 $3,741 $14,652 $16,425 $4,365 $4,640
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,386 $2,580 $2,088 $2,320 $9,143 $10,029 $2,455 $2,488
Nationwide $3,534 $3,521 $3,188 $3,325 $7,948 $9,875 $4,012 $4,192
Progressive $2,308 $2,188 $2,080 $2,085 $11,447 $12,958 $2,862 $2,914
State Farm $2,045 $2,045 $1,828 $1,828 $5,694 $7,222 $2,269 $2,504
Travelers $2,027 $2,065 $1,983 $1,990 $9,496 $15,239 $2,112 $2,447
USAA $2,006 $2,002 $1,814 $1,835 $5,478 $5,754 $2,530 $2,762

Cheap Somerset, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Somerset, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,652 $16,425
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $11,447 $12,958
State Farm $5,694 $7,222
Travelers $9,496 $15,239
USAA $5,478 $5,754

Cheap Somerset, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Somerset, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,502 $3,741
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $2,080 $2,085
State Farm $1,828 $1,828
Travelers $1,983 $1,990
USAA $1,814 $1,835

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

Annual Somerset, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,689 $7,463 $7,963 $6,433
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $3,496 $5,358 $4,172 $3,719
Nationwide $3,914 $5,093 $6,470 $4,320
Progressive $4,012 $5,961 $4,574 $4,873
State Farm $2,928 $3,431 $3,179 $3,179
Travelers $4,080 $4,197 $6,033 $4,371
USAA $2,272 $3,217 $3,861 $2,740

Cheap Somerset, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Somerset, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,963
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $4,574
State Farm $3,179
Travelers $6,033
USAA $3,861

Cheap Somerset, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Somerset, Kentucky

Insurance Company Poor Fair Good
Allstate $9,133 $6,292 $5,236
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $5,414 $4,734 $4,417
State Farm $4,555 $2,787 $2,195
Travelers $5,210 $4,409 $4,391
USAA $4,486 $2,524 $2,058

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Somerset, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Somerset, Kentucky

ZIP Code Average Annual Rates
42501 $4,070
42503 $4,070

Cheap Somerset, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Somerset, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,887 $6,887
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $4,855 $4,855
State Farm $3,102 $3,257
Travelers $4,670 $4,670
USAA $2,911 $3,134

Cheap Somerset, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Somerset, Kentucky

Insurance Company Low Medium High
Allstate $6,480 $6,864 $7,316
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $4,446 $4,784 $5,335
State Farm $2,946 $3,166 $3,426
Travelers $4,430 $4,690 $4,890
USAA $2,881 $3,016 $3,171

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Somerset, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Somerset, Kentucky

Insurance Company Average Annual Rates
Allstate $6,887
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $4,855
State Farm $3,179
Travelers $4,670
USAA $3,023

What affects auto insurance rates in Somerset, Kentucky?

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

Somerset Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Somerset, Kentucky commute length is 17.5 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Somerset, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption