Best Cheap Auto Insurance in Washington, KY (2021)

The average Washington, KY auto insurance rates are $435 per month. The minimum auto insurance in Washington is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Washington, 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 average commute length in Washington is 33.3 minutes
  • Average auto insurance rates in Washington, KY for senior drivers are $2,800 per year
  • The minimum auto insurance required in Washington, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in Washington, Kentucky

Washington, 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 Washington, Kentucky.

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

Auto insurance rates in Washington, 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 Washington, 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 $3,289 $3,253 $2,975 $3,171 $12,180 $13,685 $3,638 $3,844
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,008 $3,266 $2,556 $2,862 $12,253 $13,567 $3,146 $3,278
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $1,865 $1,865 $1,653 $1,653 $4,994 $6,217 $2,077 $2,279
Travelers $2,389 $2,432 $2,345 $2,346 $11,343 $18,027 $2,502 $2,909
USAA $1,836 $1,842 $1,654 $1,686 $4,862 $5,131 $2,321 $2,544

Cheap Washington, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Washington, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,180 $13,685
GEICO $7,170 $8,568
Liberty Mutual $12,253 $13,567
Nationwide $7,450 $9,339
Progressive $24,595 $27,972
State Farm $4,994 $6,217
Travelers $11,343 $18,027
USAA $4,862 $5,131

Cheap Washington, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Washington, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,975 $3,171
GEICO $3,742 $3,389
Liberty Mutual $2,556 $2,862
Nationwide $2,972 $3,117
Progressive $4,345 $4,341
State Farm $1,653 $1,653
Travelers $2,345 $2,346
USAA $1,654 $1,686

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

Annual Washington, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,772 $6,223 $6,640 $5,382
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,581 $7,044 $5,476 $4,867
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $8,524 $12,744 $9,734 $10,386
State Farm $2,602 $3,049 $2,825 $2,825
Travelers $4,820 $4,961 $7,186 $5,180
USAA $2,062 $2,916 $3,479 $2,482

Cheap Washington, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Washington, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,640
GEICO $7,199
Liberty Mutual $5,476
Nationwide $6,064
Progressive $9,734
State Farm $2,825
Travelers $7,186
USAA $3,479

Cheap Washington, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Washington, Kentucky

Insurance Company Poor Fair Good
Allstate $7,623 $5,260 $4,380
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,867 $4,813 $3,796
Nationwide $5,647 $4,437 $3,858
Progressive $11,547 $10,089 $9,405
State Farm $4,077 $2,469 $1,930
Travelers $6,185 $5,224 $5,201
USAA $4,072 $2,277 $1,855

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Cheap Washington, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Washington, Kentucky

ZIP Code Average Annual Rates
41096 $4,812

Cheap Washington, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Washington, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,754 $5,754
GEICO $4,371 $4,456
Liberty Mutual $5,492 $5,492
Nationwide $4,647 $4,647
Progressive $10,347 $10,347
State Farm $2,754 $2,897
Travelers $5,537 $5,537
USAA $2,633 $2,836

Cheap Washington, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Washington, Kentucky

Insurance Company Low Medium High
Allstate $5,359 $5,733 $6,171
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,216 $5,456 $5,804
Nationwide $4,735 $4,596 $4,611
Progressive $9,463 $10,162 $11,416
State Farm $2,679 $2,819 $2,978
Travelers $5,306 $5,570 $5,734
USAA $2,617 $2,729 $2,858

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Best By Category: Cheapest Auto Insurance in Washington, Kentucky

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

Best Annual Auto Insurance Rates by Company in Washington, Kentucky

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

The Cheapest Washington, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Washington, Kentucky

Insurance Company Average Annual Rates
Allstate $5,754
GEICO $4,413
Liberty Mutual $5,492
Nationwide $4,647
Progressive $10,347
State Farm $2,825
Travelers $5,537
USAA $2,735

What affects auto insurance rates in Washington, Kentucky?

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

Washington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Washington, Kentucky commute length is 33.3 minutes according to City-Data.

Washington Traffic

How does Washington, Kentucky rank for traffic? According to Inrix Washington, Kentucky is the 89th most congested worldwide.

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Compare Washington, Kentucky Auto Insurance Quotes

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