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

  • Average car insurance rates in West Somerset, KY are $427/month
  • The cheapest car insurance company in West Somerset after a DUI is State Farm
  • Average car insurance rates in West Somerset, KY for senior drivers are $2,808/year

Average car insurance rates in West Somerset, Kentucky are $427 a month. But with a little research you can get a great deal from the top car insurance companies in West Somerset, KY. Before you buy West 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 West Somerset car insurance rates with Frankfort car insurance rates, Hopkinsville car insurance rates, or Owensboro car insurance rates to make sure you’re getting the best West Somerset, KY car insurance quotes available.

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

West Somerset, KY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $5,249 $5,620 $6,058
GEICO $4,439 $4,761 $5,108
Liberty Mutual $3,952 $4,152 $4,455
Nationwide $5,017 $4,889 $4,942
Progressive $9,463 $10,162 $11,416
State Farm $3,305 $3,532 $3,798
Travelers $4,399 $4,683 $4,918
USAA $2,769 $2,910 $3,074

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West 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 $3,263 $3,243 $2,937 $3,135 $11,801 $13,256 $3,644 $3,861
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 $4,821 $4,557 $4,345 $4,341 $24,595 $27,972 $6,012 $6,133
State Farm $2,308 $2,308 $2,076 $2,076 $6,353 $7,862 $2,570 $2,807
Travelers $1,998 $2,034 $1,961 $1,967 $9,524 $15,372 $2,082 $2,395
USAA $1,940 $1,935 $1,760 $1,779 $5,283 $5,543 $2,441 $2,662

West Somerset, KY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,801 $13,256
GEICO $7,942 $9,404
Liberty Mutual $9,143 $10,029
Nationwide $7,948 $9,875
Progressive $24,595 $27,972
State Farm $6,353 $7,862
Travelers $9,524 $15,372
USAA $5,283 $5,543

West Somerset, KY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $3,135
GEICO $4,003 $3,626
Liberty Mutual $2,088 $2,320
Nationwide $3,188 $3,325
Progressive $4,345 $4,341
State Farm $2,076 $2,076
Travelers $1,961 $1,967
USAA $1,760 $1,779

West Somerset, KY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $7,471 $5,153 $4,303
GEICO $7,842 $3,915 $2,550
Liberty Mutual $5,962 $3,682 $2,914
Nationwide $6,028 $4,724 $4,097
Progressive $11,547 $10,089 $9,405
State Farm $5,089 $3,105 $2,441
Travelers $5,200 $4,407 $4,392
USAA $4,324 $2,439 $1,991

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West Somerset, KY Car Insurance Rates by Driver History

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

Annual West Somerset, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,711 $6,100 $6,472 $5,287
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 $8,524 $12,744 $9,734 $10,386
State Farm $3,247 $3,843 $3,545 $3,545
Travelers $4,078 $4,193 $6,031 $4,364
USAA $2,197 $3,105 $3,722 $2,648

West Somerset, KY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,472
GEICO $7,717
Liberty Mutual $4,172
Nationwide $6,470
Progressive $9,734
State Farm $3,545
Travelers $6,031
USAA $3,722

West Somerset, KY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,642 $5,642
GEICO $4,724 $4,814
Liberty Mutual $4,186 $4,186
Nationwide $4,949 $4,949
Progressive $10,347 $10,347
State Farm $3,453 $3,637
Travelers $4,666 $4,666
USAA $2,810 $3,026

West Somerset, KY Cheapest Car Insurance Rates

How do the top West Somerset, Kentucky car insurance companies’ average rates stack up against the West Somerset average monthly car insurance rates of $427? Take a look and see.

Best Annual Car Insurance Rates by Company in West 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

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West Somerset, KY Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,642
GEICO $4,769
Liberty Mutual $4,186
Nationwide $4,949
Progressive $10,347
State Farm $3,545
Travelers $4,666
USAA $2,918

West Somerset, KY Car Insurance Quotes

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