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 West Liberty for teen drivers is USAA
  • Average car insurance rates in West Liberty, KY are $472/month
  • Average car insurance rates in West Liberty, KY for senior drivers are $3,045/year

Average car insurance rates in West Liberty, Kentucky are $472 a month. But with a little research you can get a great deal from the top car insurance companies in West Liberty, KY. Before you buy West Liberty, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare West Liberty car insurance rates with Nicholasville car insurance rates, Henderson car insurance rates, or Independence car insurance rates to make sure you’re getting the best West Liberty, KY car insurance quotes available.

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

West Liberty, KY Minimum Car Insurance Coverage

West Liberty, 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 West Liberty, 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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West Liberty, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Liberty, Kentucky

Insurance Company Low Medium High
Allstate $8,740 $9,880 $11,210
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,963 $6,276 $6,730
Nationwide $5,740 $5,677 $5,890
Progressive $4,752 $5,097 $5,700
State Farm $3,095 $3,267 $3,454
Travelers $7,182 $7,668 $8,084
USAA $2,605 $2,721 $2,858

West Liberty, KY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West Liberty, 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 $5,341 $5,232 $4,866 $5,213 $22,283 $24,728 $5,808 $6,075
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $3,474 $3,779 $2,956 $3,317 $14,075 $15,593 $3,624 $3,766
Nationwide $4,176 $4,157 $3,786 $3,938 $9,154 $11,310 $4,716 $4,913
Progressive $2,459 $2,333 $2,213 $2,216 $12,203 $13,864 $3,056 $3,124
State Farm $2,044 $2,044 $1,820 $1,820 $6,013 $7,604 $2,277 $2,552
Travelers $3,078 $3,129 $3,057 $3,056 $15,976 $25,955 $3,229 $3,679
USAA $1,830 $1,836 $1,649 $1,680 $4,861 $5,119 $2,312 $2,535

West Liberty, KY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in West Liberty, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,283 $24,728
GEICO $7,170 $8,568
Liberty Mutual $14,075 $15,593
Nationwide $9,154 $11,310
Progressive $12,203 $13,864
State Farm $6,013 $7,604
Travelers $15,976 $25,955
USAA $4,861 $5,119

West Liberty, KY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in West Liberty, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,866 $5,213
GEICO $3,742 $3,389
Liberty Mutual $2,956 $3,317
Nationwide $3,786 $3,938
Progressive $2,213 $2,216
State Farm $1,820 $1,820
Travelers $3,057 $3,056
USAA $1,649 $1,680

West Liberty, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in West Liberty, Kentucky

Insurance Company Poor Fair Good
Allstate $13,256 $9,086 $7,488
GEICO $7,256 $3,623 $2,361
Liberty Mutual $9,082 $5,534 $4,354
Nationwide $7,064 $5,496 $4,746
Progressive $5,787 $5,052 $4,710
State Farm $4,728 $2,857 $2,230
Travelers $8,519 $7,218 $7,198
USAA $4,060 $2,272 $1,851

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West Liberty, KY Car Insurance Rates by Driver History

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

Annual West Liberty, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,070 $10,802 $11,659 $9,243
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $5,266 $8,120 $6,303 $5,603
Nationwide $4,602 $5,931 $7,482 $5,060
Progressive $4,280 $6,362 $4,883 $5,207
State Farm $2,995 $3,548 $3,272 $3,272
Travelers $6,644 $6,833 $9,973 $7,129
USAA $2,057 $2,908 $3,474 $2,473

West Liberty, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in West Liberty, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,659
GEICO $7,199
Liberty Mutual $6,303
Nationwide $7,482
Progressive $4,883
State Farm $3,272
Travelers $9,973
USAA $3,474

West Liberty, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in West Liberty, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,943 $9,943
GEICO $4,371 $4,456
Liberty Mutual $6,323 $6,323
Nationwide $5,769 $5,769
Progressive $5,183 $5,183
State Farm $3,193 $3,350
Travelers $7,645 $7,645
USAA $2,626 $2,829

West Liberty, KY Cheapest Car Insurance Rates

How do the top West Liberty, Kentucky car insurance companies’ average rates stack up against the West Liberty average monthly car insurance rates of $472? Take a look and see.

Best Annual Car Insurance Rates by Company in West Liberty, 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

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West Liberty, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in West Liberty, Kentucky

Insurance Company Average Annual Rates
Allstate $9,943
GEICO $4,413
Liberty Mutual $6,323
Nationwide $5,769
Progressive $5,183
State Farm $3,272
Travelers $7,645
USAA $2,728

Other Factors Affecting West Liberty, KY Car Insurance Rates

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

West Liberty, KY Commute Time

How does your West Liberty, KY commute time compare with the average driver? In West Liberty, the average commute is 21.8 minutes.

West Liberty, KY Car Insurance Quotes

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