Best Cheap Auto Insurance in Warsaw, KY (2021)

The average Warsaw, KY auto insurance rates are $383 per month. The minimum auto insurance in Warsaw is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Warsaw, 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 Warsaw, KY for senior drivers are $2,537 per year
  • The most expensive auto insurance company in Warsaw for teen drivers is Travelers
  • The average commute length in Warsaw is 20.8 minutes

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

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

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

Minimum Auto Insurance in Warsaw, Kentucky

Warsaw, 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 Warsaw, Kentucky.

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

Auto insurance rates in Warsaw, 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 Warsaw, 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 $3,037 $3,003 $2,748 $2,930 $11,347 $12,767 $3,358 $3,544
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,918 $3,158 $2,476 $2,756 $12,589 $13,900 $3,061 $3,194
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,150 $2,054 $1,920 $1,933 $10,287 $11,648 $2,670 $2,743
State Farm $2,475 $2,475 $2,210 $2,210 $7,536 $9,519 $2,765 $3,116
Travelers $2,389 $2,432 $2,345 $2,346 $11,343 $18,027 $2,502 $2,909
USAA $1,922 $1,929 $1,728 $1,763 $5,081 $5,363 $2,432 $2,667

Cheap Warsaw, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Warsaw, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,347 $12,767
GEICO $7,170 $8,568
Liberty Mutual $12,589 $13,900
Nationwide $7,450 $9,339
Progressive $10,287 $11,648
State Farm $7,536 $9,519
Travelers $11,343 $18,027
USAA $5,081 $5,363

Cheap Warsaw, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Warsaw, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,748 $2,930
GEICO $3,742 $3,389
Liberty Mutual $2,476 $2,756
Nationwide $2,972 $3,117
Progressive $1,920 $1,933
State Farm $2,210 $2,210
Travelers $2,345 $2,346
USAA $1,728 $1,763

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

Annual Warsaw, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,426 $5,778 $6,167 $4,995
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,578 $7,073 $5,498 $4,877
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,663 $5,404 $4,181 $4,455
State Farm $3,683 $4,394 $4,038 $4,038
Travelers $4,820 $4,961 $7,186 $5,180
USAA $2,156 $3,051 $3,641 $2,595

Cheap Warsaw, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Warsaw, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,167
GEICO $7,199
Liberty Mutual $5,498
Nationwide $6,064
Progressive $4,181
State Farm $4,038
Travelers $7,186
USAA $3,641

Cheap Warsaw, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Warsaw, Kentucky

Insurance Company Poor Fair Good
Allstate $7,057 $4,890 $4,078
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,884 $4,833 $3,801
Nationwide $5,647 $4,437 $3,858
Progressive $4,954 $4,310 $4,013
State Farm $5,854 $3,521 $2,740
Travelers $6,185 $5,224 $5,201
USAA $4,267 $2,379 $1,935

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Cheap Warsaw, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Warsaw, Kentucky

ZIP Code Average Annual Rates
41095 $4,111

Cheap Warsaw, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Warsaw, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,342 $5,342
GEICO $4,371 $4,456
Liberty Mutual $5,506 $5,506
Nationwide $4,647 $4,647
Progressive $4,426 $4,426
State Farm $3,941 $4,135
Travelers $5,537 $5,537
USAA $2,755 $2,967

Cheap Warsaw, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Warsaw, Kentucky

Insurance Company Low Medium High
Allstate $4,976 $5,321 $5,728
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,282 $5,476 $5,761
Nationwide $4,735 $4,596 $4,611
Progressive $4,123 $4,379 $4,774
State Farm $3,841 $4,039 $4,235
Travelers $5,306 $5,570 $5,734
USAA $2,742 $2,855 $2,985

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Best By Category: Cheapest Auto Insurance in Warsaw, Kentucky

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

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

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

Average Annual Auto Insurance Rates by Company in Warsaw, Kentucky

Insurance Company Average Annual Rates
Allstate $5,342
GEICO $4,413
Liberty Mutual $5,506
Nationwide $4,647
Progressive $4,426
State Farm $4,038
Travelers $5,537
USAA $2,861

What affects auto insurance rates in Warsaw, Kentucky?

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

Warsaw Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Warsaw, Kentucky commute length is 20.8 minutes according to City-Data.

Warsaw Traffic

How does Warsaw, Kentucky rank for traffic? According to Inrix Warsaw, Kentucky is the 40th most congested worldwide.

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Compare Warsaw, Kentucky Auto Insurance Quotes

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