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

The average West Somerset, KY auto insurance rates are $427 per month. The minimum auto insurance in West Somerset is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in West Somerset, 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 most expensive auto insurance company in West Somerset for teen drivers is Progressive
  • Average auto insurance rates in West Somerset, KY for senior drivers are $2,808 per year
  • The minimum auto insurance required in West Somerset, Kentucky is 25/50/25

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

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

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

Minimum Auto Insurance in West Somerset, Kentucky

West 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 West Somerset, Kentucky.

Minimum Required Auto Insurance Coverage in West 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

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

Auto insurance rates in West 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 West 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 $3,263 $3,243 $2,937 $3,135 $11,801 $13,256 $3,644 $3,861
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 $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $2,308 $2,308 $2,076 $2,076 $6,353 $7,862 $2,570 $2,807
Travelers $1,998 $2,034 $1,961 $1,967 $9,524 $15,372 $2,082 $2,395
USAA $1,940 $1,935 $1,760 $1,779 $5,283 $5,543 $2,441 $2,662

Cheap West Somerset, Kentucky Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,801 $13,256
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $24,595 $27,972
State Farm $6,353 $7,862
Travelers $9,524 $15,372
USAA $5,283 $5,543

Cheap West Somerset, Kentucky Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $3,135
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $4,345 $4,341
State Farm $2,076 $2,076
Travelers $1,961 $1,967
USAA $1,760 $1,779

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

Annual West Somerset, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,711 $6,100 $6,472 $5,287
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 $8,524 $12,744 $9,734 $10,386
State Farm $3,247 $3,843 $3,545 $3,545
Travelers $4,078 $4,193 $6,031 $4,364
USAA $2,197 $3,105 $3,722 $2,648

Cheap West Somerset, Kentucky Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,472
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $9,734
State Farm $3,545
Travelers $6,031
USAA $3,722

Cheap West Somerset, Kentucky Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $7,471 $5,153 $4,303
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $11,547 $10,089 $9,405
State Farm $5,089 $3,105 $2,441
Travelers $5,200 $4,407 $4,392
USAA $4,324 $2,439 $1,991

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Cheap West Somerset, Kentucky Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
42564 $4,692

Cheap West Somerset, Kentucky Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,642 $5,642
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $10,347 $10,347
State Farm $3,453 $3,637
Travelers $4,666 $4,666
USAA $2,810 $3,026

Cheap West Somerset, Kentucky Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,249 $5,620 $6,058
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $9,463 $10,162 $11,416
State Farm $3,305 $3,532 $3,798
Travelers $4,399 $4,683 $4,918
USAA $2,769 $2,910 $3,074

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

Compare the cheapest auto insurance companies in West 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 West 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 West Somerset, Kentucky Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,642
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $10,347
State Farm $3,545
Travelers $4,666
USAA $2,918

Compare West Somerset, Kentucky Auto Insurance Quotes

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