Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in London for teen drivers is USAA
  • The cheapest car insurance company in London after a DUI is State Farm
  • Average car insurance rates in London, KY for senior drivers are $2,820/year

Average car insurance rates in London, Kentucky are $428 a month. But with a little research you can get a great deal from the top car insurance companies in London, KY. Before you buy London, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare London car insurance rates with Bowling Green car insurance rates, Frankfort car insurance rates, or Owensboro car insurance rates to make sure you’re getting the best London, KY car insurance quotes available.

Need affordable London, KY car insurance? Enter your ZIP code to compare London car insurance quotes from multiple car insurance companies near you.

London, KY Minimum Car Insurance Coverage

London, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in London, 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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London, KY Car Insurance Rates by Coverage Level

Some London drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your London, Kentucky car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in London, Kentucky

Insurance Company Low Medium High
Allstate $6,542 $6,933 $7,395
GEICO $4,439 $4,761 $5,108
Liberty Mutual $4,389 $4,627 $4,974
Nationwide $5,806 $5,676 $5,797
Progressive $5,098 $5,550 $6,350
State Farm $2,828 $3,034 $3,281
Travelers $6,915 $7,297 $7,576
USAA $2,814 $2,955 $3,120

London, KY Car Insurance Rates by Age, Gender, and Marital Status

London, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy London, KY car insurance, get quotes from multiple car insurance companies in the London area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in London, 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 $3,955 $3,913 $3,548 $3,788 $14,777 $16,562 $4,417 $4,694
GEICO $3,825 $3,540 $4,003 $3,626 $7,942 $9,404 $3,123 $2,691
Liberty Mutual $2,585 $2,803 $2,222 $2,484 $10,346 $11,432 $2,680 $2,755
Nationwide $4,087 $4,069 $3,677 $3,839 $9,302 $11,583 $4,653 $4,867
Progressive $2,659 $2,510 $2,410 $2,411 $13,463 $15,249 $3,297 $3,329
State Farm $1,984 $1,984 $1,766 $1,766 $5,403 $6,856 $2,199 $2,422
Travelers $3,063 $3,123 $2,991 $3,003 $14,932 $24,056 $3,198 $3,735
USAA $1,970 $1,968 $1,784 $1,807 $5,355 $5,621 $2,484 $2,715

London, KY Car Insurance Rates for Teens

How much is London, Kentucky car insurance for teens? Compare rates from top London car insurance companies below to help find the cheapest teen car insurance in London, KY.

Annual Car Insurance Rates for Teen Drivers in London, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,777 $16,562
GEICO $7,942 $9,404
Liberty Mutual $10,346 $11,432
Nationwide $9,302 $11,583
Progressive $13,463 $15,249
State Farm $5,403 $6,856
Travelers $14,932 $24,056
USAA $5,355 $5,621

London, KY Car Insurance Rates for Seniors

Before seniors buy London, Kentucky car insurance, they should make sure to shop around. Some London, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in London, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,548 $3,788
GEICO $4,003 $3,626
Liberty Mutual $2,222 $2,484
Nationwide $3,677 $3,839
Progressive $2,410 $2,411
State Farm $1,766 $1,766
Travelers $2,991 $3,003
USAA $1,784 $1,807

London, KY Car Insurance Rates by Credit History

How does your credit history affect London, KY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in London, Kentucky

Insurance Company Poor Fair Good
Allstate $9,232 $6,354 $5,285
GEICO $7,842 $3,915 $2,550
Liberty Mutual $6,657 $4,097 $3,236
Nationwide $7,021 $5,495 $4,763
Progressive $6,314 $5,527 $5,157
State Farm $4,363 $2,673 $2,107
Travelers $8,115 $6,850 $6,823
USAA $4,395 $2,475 $2,019

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London, KY Car Insurance Rates by Driver History

How does a single speeding ticket affect your London, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in London.

Annual London, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,750 $7,537 $8,041 $6,499
GEICO $2,834 $5,055 $7,717 $3,472
Liberty Mutual $3,892 $5,977 $4,647 $4,137
Nationwide $4,532 $5,931 $7,562 $5,014
Progressive $4,673 $6,988 $5,325 $5,678
State Farm $2,814 $3,281 $3,048 $3,048
Travelers $6,324 $6,511 $9,430 $6,786
USAA $2,229 $3,154 $3,783 $2,686

London, KY Car Insurance Rates With a DUI

Even a single DUI can increase your London, KY car insurance rates. Compare rates below to see which London car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in London, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,041
GEICO $7,717
Liberty Mutual $4,647
Nationwide $7,562
Progressive $5,325
State Farm $3,048
Travelers $9,430
USAA $3,783

London, KY Car Insurance Rates by ZIP Code

Just like London car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how London, KY car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in London, Kentucky

ZIP Code Average Annual Rates
40741 $4,691
40744 $4,686

London, KY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your London, KY car insurance rates may be. Let’s take a look at average car insurance rates from top London companies based on commute time.

Annual Car Insurance Rates by Commute Length in London, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,957 $6,957
GEICO $4,724 $4,814
Liberty Mutual $4,663 $4,663
Nationwide $5,760 $5,760
Progressive $5,666 $5,666
State Farm $2,974 $3,122
Travelers $7,263 $7,263
USAA $2,853 $3,073

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London, KY Cheapest Car Insurance Rates

How do the top London, Kentucky car insurance companies’ average rates stack up against the London average monthly car insurance rates of $428? Take a look and see.

Best Annual Car Insurance Rates by Company in London, 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

London, KY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top London, Kentucky car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in London, Kentucky

Insurance Company Average Annual Rates
Allstate $6,957
GEICO $4,769
Liberty Mutual $4,663
Nationwide $5,760
Progressive $5,666
State Farm $3,048
Travelers $7,263
USAA $2,963

Other Factors Affecting London, KY Car Insurance Rates

Before you buy London, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

London, KY Commute Time

How does your London, KY commute time compare with the average driver? In London, the average commute is 16.0 minutes.

London, KY Traffic

Spending time in London traffic can lead to higher car insurance rates. According to INRIX data, London, KY ranks as the 16th-most congested with traffic in the world.

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London, KY Car Insurance Quotes

Compare London, KY car insurance quotes from multiple companies by entering your ZIP code now.