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 Somerset after a DUI is State Farm
  • Average car insurance rates in Somerset, KY for senior drivers are $2,577/year
  • Average car insurance rates in Somerset, KY are $380/month

Average car insurance rates in Somerset, Kentucky are $380 a month. But with a little research you can get a great deal from the top car insurance companies in Somerset, KY. Before you buy Somerset, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

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

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

Somerset, KY Minimum Car Insurance Coverage

Somerset, 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 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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Somerset, KY Car Insurance Rates by Coverage Level

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

Annual Car 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

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

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

Annual Car 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

Somerset, KY Car Insurance Rates for Teens

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

Annual Car 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

Somerset, KY Car Insurance Rates for Seniors

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

Annual Car 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

Somerset, KY Car Insurance Rates by Credit History

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

Annual Car 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

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Somerset, KY Car Insurance Rates by Driver History

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

Annual Somerset, Kentucky Car 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

Somerset, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Somerset, Kentucky

Insurance Company Annual Car 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

Somerset, KY Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Somerset, Kentucky

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

Somerset, KY Car Insurance Rates by Commute

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

Annual Car 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

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Somerset, KY Cheapest Car Insurance Rates

How do the top Somerset, Kentucky car insurance companies’ average rates stack up against the Somerset average monthly car insurance rates of $380? Take a look and see.

Best Annual Car 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

Somerset, KY Top Car Insurance Companies

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

Average Annual Car 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

Other Factors Affecting Somerset, KY Car Insurance Rates

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

Somerset, KY Commute Time

How does your Somerset, KY commute time compare with the average driver? In Somerset, the average commute is 17.5 minutes.

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Somerset, KY Car Insurance Quotes

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