Best Cheap Auto Insurance in West Point, KY (2021)

The average West Point, KY auto insurance rates are $380 per month. The minimum auto insurance in West Point is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in West Point, 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 West Point, Kentucky is 25/50/25
  • The average commute length in West Point is 31.1 minutes
  • The most expensive auto insurance company in West Point for teen drivers is Travelers

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

Compare auto insurance in West Point to other Kentucky cities, including Nicholasville auto insurance rates, Florence auto insurance rates, and Richmond auto insurance rates to see how West Point, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in West Point, Kentucky

West Point, 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 West Point, Kentucky.

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

Auto insurance rates in West Point, 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 West Point, 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 $3,302 $3,255 $3,001 $3,202 $12,711 $14,240 $3,622 $3,808
GEICO $3,766 $3,482 $3,964 $3,591 $8,103 $9,507 $3,062 $2,623
Liberty Mutual $3,141 $3,401 $2,683 $2,992 $13,130 $14,486 $3,278 $3,393
Nationwide $3,035 $3,029 $2,745 $2,862 $6,743 $8,373 $3,436 $3,593
Progressive $2,547 $2,408 $2,300 $2,314 $12,622 $14,219 $3,149 $3,165
State Farm $1,577 $1,577 $1,410 $1,410 $4,577 $5,805 $1,756 $1,950
Travelers $2,345 $2,388 $2,298 $2,306 $11,345 $18,270 $2,450 $2,832
USAA $1,637 $1,633 $1,487 $1,503 $4,417 $4,639 $2,056 $2,242

Cheap West Point, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in West Point, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,711 $14,240
GEICO $8,103 $9,507
Liberty Mutual $13,130 $14,486
Nationwide $6,743 $8,373
Progressive $12,622 $14,219
State Farm $4,577 $5,805
Travelers $11,345 $18,270
USAA $4,417 $4,639

Cheap West Point, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in West Point, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,001 $3,202
GEICO $3,964 $3,591
Liberty Mutual $2,683 $2,992
Nationwide $2,745 $2,862
Progressive $2,300 $2,314
State Farm $1,410 $1,410
Travelers $2,298 $2,306
USAA $1,487 $1,503

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

Annual West Point, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,855 $6,379 $6,835 $5,502
GEICO $2,841 $5,050 $7,678 $3,481
Liberty Mutual $4,839 $7,466 $5,798 $5,149
Nationwide $3,361 $4,347 $5,499 $3,701
Progressive $4,409 $6,578 $5,023 $5,351
State Farm $2,299 $2,717 $2,508 $2,508
Travelers $4,823 $4,961 $7,167 $5,166
USAA $1,849 $2,609 $3,121 $2,228

Cheap West Point, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in West Point, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,835
GEICO $7,678
Liberty Mutual $5,798
Nationwide $5,499
Progressive $5,023
State Farm $2,508
Travelers $7,167
USAA $3,121

Cheap West Point, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in West Point, Kentucky

Insurance Company Poor Fair Good
Allstate $7,806 $5,392 $4,480
GEICO $7,832 $3,910 $2,546
Liberty Mutual $8,316 $5,104 $4,019
Nationwide $5,136 $4,037 $3,508
Progressive $5,962 $5,207 $4,853
State Farm $3,613 $2,193 $1,717
Travelers $6,165 $5,222 $5,202
USAA $3,626 $2,051 $1,678

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Cheap West Point, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in West Point, Kentucky

ZIP Code Average Annual Rates
40177 $4,122

Cheap West Point, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in West Point, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,893 $5,893
GEICO $4,718 $4,807
Liberty Mutual $5,813 $5,813
Nationwide $4,227 $4,227
Progressive $5,340 $5,340
State Farm $2,446 $2,570
Travelers $5,529 $5,529
USAA $2,361 $2,542

Cheap West Point, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in West Point, Kentucky

Insurance Company Low Medium High
Allstate $5,385 $5,865 $6,428
GEICO $4,389 $4,763 $5,134
Liberty Mutual $5,550 $5,777 $6,112
Nationwide $4,276 $4,178 $4,227
Progressive $4,818 $5,245 $5,958
State Farm $2,341 $2,503 $2,680
Travelers $5,243 $5,556 $5,789
USAA $2,328 $2,446 $2,582

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Best By Category: Cheapest Auto Insurance in West Point, Kentucky

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

Best Annual Auto Insurance Rates by Company in West Point, 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 West Point, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in West Point, Kentucky

Insurance Company Average Annual Rates
Allstate $5,893
GEICO $4,762
Liberty Mutual $5,813
Nationwide $4,227
Progressive $5,340
State Farm $2,508
Travelers $5,529
USAA $2,452

What affects auto insurance rates in West Point, Kentucky?

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

West Point Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average West Point, Kentucky commute length is 31.1 minutes according to City-Data.

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Compare West Point, Kentucky Auto Insurance Quotes

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

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