Buy Cheap Somerset, KY Auto Insurance (2022)

Somerset, KY auto insurance rates average $380 a month. Minimum auto insurance requirements in Somerset, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Somerset, KY, compare Somerset auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • The most expensive auto insurance company in Somerset after a DUI is Allstate
  • Average auto insurance rates in Somerset, KY after a DUI are $5,496/year
  • Average auto insurance rates in Somerset, KY for teens drivers are $8,975/year

Finding affordable Somerset, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Somerset, KY auto insurance with confidence is right here. Auto insurance rates in Somerset are affected by local factors as well as personal ones like your driving record.

See how Somerset, KY car insurance rates compare to Frankfort auto insurance rates, Covington auto insurance rates, and Independence auto insurance rates before you read more about the cost of auto insurance in Somerset.

Don’t buy Somerset, KY auto insurance until you’ve compared rates. Get free Somerset, Kentucky auto insurance quotes when you enter your ZIP code above.

Somerset, KY Minimum Auto Insurance Requirements

The required auto insurance in Somerset, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Somerset, Kentucky is outlined here.

Minimum Required Auto Insurance Coverage in 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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Find Cheap Somerset, KY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Somerset, KY. Take a look at Somerset, Kentucky auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Somerset, Kentucky

Insurance Company Poor Fair Good
Allstate $9,133 $6,292 $5,236
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $5,414 $4,734 $4,417
State Farm $4,555 $2,787 $2,195
Travelers $5,210 $4,409 $4,391
USAA $4,486 $2,524 $2,058

Buy Cheap Somerset, KY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Somerset, Kentucky auto insurance rates? Find out how car insurance rates in Somerset, KY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in 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 $3,906 $3,865 $3,502 $3,741 $14,652 $16,425 $4,365 $4,640
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 $2,308 $2,188 $2,080 $2,085 $11,447 $12,958 $2,862 $2,914
State Farm $2,045 $2,045 $1,828 $1,828 $5,694 $7,222 $2,269 $2,504
Travelers $2,027 $2,065 $1,983 $1,990 $9,496 $15,239 $2,112 $2,447
USAA $2,006 $2,002 $1,814 $1,835 $5,478 $5,754 $2,530 $2,762

Buy Cheap Somerset, KY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Somerset can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Somerset, KY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Somerset, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,652 $16,425
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $11,447 $12,958
State Farm $5,694 $7,222
Travelers $9,496 $15,239
USAA $5,478 $5,754

Buy Cheap Somerset, KY Auto Insurance for Seniors

You can save on senior auto insurance rates in Somerset, Kentucky by comparing Somerset senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Somerset, KY here.

Annual Auto Insurance Rates for Senior Drivers in Somerset, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,502 $3,741
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $2,080 $2,085
State Farm $1,828 $1,828
Travelers $1,983 $1,990
USAA $1,814 $1,835

Find Cheap Auto Insurance Rates in Somerset, KY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Somerset, Kentucky auto insurance. Compare Somerset, KY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Somerset, Kentucky

Insurance Company Low Medium High
Allstate $6,480 $6,864 $7,316
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $4,446 $4,784 $5,335
State Farm $2,946 $3,166 $3,426
Travelers $4,430 $4,690 $4,890
USAA $2,881 $3,016 $3,171

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Find Cheap Somerset, KY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Somerset. Compare auto insurance rates in Somerset, KY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Somerset, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,887 $6,887
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $4,855 $4,855
State Farm $3,102 $3,257
Travelers $4,670 $4,670
USAA $2,911 $3,134

Find Cheap Somerset, KY Auto Insurance Rates by ZIP Code

Auto insurance rates in Somerset, Kentucky can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Somerset, KY to see how much where you live in Somerset affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Somerset, Kentucky

ZIP Code Average Annual Rates
42501 $4,070
42503 $4,070

Find Cheap Somerset, KY Auto Insurance Rates by Driving Record

Auto insurance rates in Somerset, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Somerset, KY, take a look at the average cost for various violations versus rates for a clean driving record in Somerset.

Annual Somerset, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,689 $7,463 $7,963 $6,433
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 $4,012 $5,961 $4,574 $4,873
State Farm $2,928 $3,431 $3,179 $3,179
Travelers $4,080 $4,197 $6,033 $4,371
USAA $2,272 $3,217 $3,861 $2,740

Find Cheap Somerset, KY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Somerset, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Somerset for less when you shop around and compare rates from multiple Somerset, KY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Somerset, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,963
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $4,574
State Farm $3,179
Travelers $6,033
USAA $3,861

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Winners by Category: Where to Buy Cheap Auto Insurance in Somerset, KY

Compare rates from the cheapest auto insurance companies in Somerset, KY for your needs. Take a look at how Somerset, Kentucky auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in 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

Find Cheap Somerset, Kentucky Auto Insurance Companies

If you’re looking for the cheapest Somerset, KY auto insurance companies overall, you can compare them here. Find the best price for Somerset, Kentucky car insurance by company.

Average Annual Auto Insurance Rates by Company in Somerset, Kentucky

Insurance Company Average Annual Rates
Allstate $6,887
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $4,855
State Farm $3,179
Travelers $4,670
USAA $3,023

What affects Somerset, Kentucky auto insurance rates?

Local factors affect auto insurance rates in Somerset, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Somerset auto insurance rates.

Commute Times in Somerset

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Somerset, KY is 17.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Somerset, KY

You can buy cheap Somerset, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Somerset, Kentucky auto insurance quotes from top companies.

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