Best Cheap Auto Insurance in Whitley City, KY (2021)

The average Whitley City, KY auto insurance rates are $418 per month. The minimum auto insurance in Whitley City is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Whitley City, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Whitley City for teen drivers is Travelers
  • Average auto insurance rates in Whitley City, KY for senior drivers are $2,758 per year
  • The minimum auto insurance required in Whitley City, Kentucky is 25/50/25

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

Compare auto insurance in Whitley City to other Kentucky cities, including Elizabeth auto insurance rates, Richmond auto insurance rates, and George auto insurance rates to see how Whitley City, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Whitley City, Kentucky

Whitley City, 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 Whitley City, Kentucky.

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

Auto insurance rates in Whitley City, 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 Whitley City, 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 $3,092 $3,058 $2,802 $2,986 $11,483 $12,871 $3,414 $3,602
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,875 $3,109 $2,461 $2,738 $12,359 $13,622 $2,991 $3,085
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,637 $2,499 $2,382 $2,382 $13,256 $15,052 $3,277 $3,337
State Farm $2,357 $2,357 $2,109 $2,109 $6,635 $8,399 $2,615 $2,895
Travelers $2,707 $2,758 $2,652 $2,662 $13,276 $21,507 $2,823 $3,271
USAA $2,029 $2,027 $1,836 $1,860 $5,522 $5,798 $2,561 $2,798

Cheap Whitley City, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Whitley City, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,483 $12,871
GEICO $7,942 $9,404
Liberty Mutual $12,359 $13,622
Nationwide $9,302 $11,583
Progressive $13,256 $15,052
State Farm $6,635 $8,399
Travelers $13,276 $21,507
USAA $5,522 $5,798

Cheap Whitley City, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Whitley City, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,802 $2,986
GEICO $4,003 $3,626
Liberty Mutual $2,461 $2,738
Nationwide $3,677 $3,839
Progressive $2,382 $2,382
State Farm $2,109 $2,109
Travelers $2,652 $2,662
USAA $1,836 $1,860

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

Annual Whitley City, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,488 $5,854 $6,248 $5,064
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $4,489 $6,947 $5,395 $4,789
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,624 $6,892 $5,272 $5,623
State Farm $3,388 $3,981 $3,684 $3,684
Travelers $5,629 $5,792 $8,374 $6,033
USAA $2,296 $3,251 $3,900 $2,768

Cheap Whitley City, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Whitley City, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,248
GEICO $7,717
Liberty Mutual $5,395
Nationwide $7,562
Progressive $5,272
State Farm $3,684
Travelers $8,374
USAA $3,900

Cheap Whitley City, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Whitley City, Kentucky

Insurance Company Poor Fair Good
Allstate $7,169 $4,949 $4,122
GEICO $7,842 $3,915 $2,550
Liberty Mutual $7,732 $4,750 $3,733
Nationwide $7,021 $5,495 $4,763
Progressive $6,246 $5,464 $5,098
State Farm $5,279 $3,230 $2,544
Travelers $7,207 $6,093 $6,071
USAA $4,532 $2,550 $2,080

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Cheap Whitley City, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Whitley City, Kentucky

ZIP Code Average Annual Rates
42653 $4,543

Cheap Whitley City, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Whitley City, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,414 $5,414
GEICO $4,724 $4,814
Liberty Mutual $5,405 $5,405
Nationwide $5,760 $5,760
Progressive $5,603 $5,603
State Farm $3,595 $3,773
Travelers $6,457 $6,457
USAA $2,940 $3,167

Cheap Whitley City, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Whitley City, Kentucky

Insurance Company Low Medium High
Allstate $4,996 $5,390 $5,855
GEICO $4,439 $4,761 $5,108
Liberty Mutual $5,139 $5,368 $5,707
Nationwide $5,806 $5,676 $5,797
Progressive $5,089 $5,500 $6,220
State Farm $3,429 $3,672 $3,952
Travelers $6,100 $6,479 $6,793
USAA $2,904 $3,046 $3,211

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Best By Category: Cheapest Auto Insurance in Whitley City, Kentucky

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

Best Annual Auto Insurance Rates by Company in Whitley City, 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 Whitley City, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Whitley City, Kentucky

Insurance Company Average Annual Rates
Allstate $5,414
GEICO $4,769
Liberty Mutual $5,405
Nationwide $5,760
Progressive $5,603
State Farm $3,684
Travelers $6,457
USAA $3,054

What affects auto insurance rates in Whitley City, Kentucky?

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

Whitley City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Whitley City, Kentucky commute length is 30.7 minutes according to City-Data.

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Compare Whitley City, Kentucky Auto Insurance Quotes

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