Cheap Auto Insurance in Somerset, Kentucky
State Farm has the cheapest full-coverage car insurance in Somerset, KY, at $135 per month. The cheapest minimum coverage car insurance is from Farm Bureau, at $54 per month.
Find Cheap Auto Insurance Quotes in Somerset
Best cheap car insurance companies in Somerset
Cheapest car insurance in Somerset: State Farm
Somerset drivers looking for the lowest price for full coverage car insurance should start with State Farm.
The company's average monthly rate of $135 is 43% less expensive than the city's average. Farm Bureau is the next cheapest option, averaging $252 more per year than State Farm.
Compare Car Insurance Rates in Somerset
Cheapest full coverage car insurance in Somerset
Company | Annual rate | |
|---|---|---|
| State Farm | $135 |
| Farm Bureau | $156 |
| Progressive | $198 |
| Geico | $250 |
| Nationwide | $251 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance in Somerset: Farm Bureau
The lowest rates for minimum coverage in Somerset come from Farm Bureau, which has an average rate of $54 per month.
At $76 per month, Progressive also offers a rate considerably lower than the city's average of $124.
Geico ($105) and Allstate ( $106), both also offer below-average monthly rates. Auto insurance prices in Somerset are lower than average for Kentucky, which has some of the highest rates in the country.
Compare Car Insurance Rates in Somerset
Cheapest minimum coverage car insurance in Somerset, KY
Company | Monthly rate |
|---|---|
| Farm Bureau | $54 |
| Progressive | $76 |
| Geico | $105 |
| Allstate | $106 |
| Nationwide | $158 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in Somerset: State Farm
Young drivers are charged most for auto insurance due to less experience behind the wheel and often being prone to risky behavior, meaning more accidents.
State Farm offers Somerset's best auto insurance rates for younger drivers.
The company's average rate for full coverage is $386 per month, which is $51 less than Farm Bureau's rate.
Cheapest car insurance for young drivers
Company | Monthly rate |
|---|---|
| State Farm | $386 |
| Farm Bureau | $437 |
| Progressive | $596 |
| Geico | $761 |
| Nationwide | $843 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a speeding ticket: State Farm
State Farm offers the lowest rates for Somerset drivers with a speeding ticket. At $146 per month, their full coverage is 51% cheaper than the city's average. State Farm is also $121 cheaper per year than the runner-up, Farm Bureau.
On average, a speeding ticket raises rates 27% in Somerset. Farm Bureau and Geico, however, did not raise rates at all after a single speeding ticket in this study.
Cheapest car insurance for Somerset drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $146 |
| Farm Bureau | $156 |
| Geico | $250 |
| Progressive | $265 |
| Nationwide | $483 |
| Allstate | $565 |
| USAA | $232 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Somerset after an accident: Farm Bureau
The cheapest insurance options in Somerset after an at-fault accident are Farm Bureau and State Farm, which both quoted $156 per month for full coverage.
At $320, Progressive is the only other widely available option that is cheaper than the city's average. Veterans, active military members and certain military family members can get coverage from USAA, which is cheaper than Progressive, Geico, Nationwide and Allstate. But it's still more expensive than State Farm and Farm Bureau.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $156 |
| State Farm | $156 |
| Progressive | $320 |
| Geico | $359 |
| Nationwide | $374 |
| Allstate | $810 |
| USAA | $272 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI can come with harsh penalties, including a steep fine and losing your license. In most cases, the violation will cause a serious jump in your insurance rates too. In Somerset, a DUI raises rates an average of 68%, to $4,758 per year for full coverage.
To avoid that big of an increase, the best option is State Farm, which charges $146 per month. That's 44% cheaper than Progressive, which has an average rate in Somerset of $260 after a DUI.
Cheapest car insurance for Somerset drivers with a DUI
Company | Monthly rate |
|---|---|
| State Farm | $146 |
| Progressive | $260 |
| Farm Bureau | $365 |
| Nationwide | $483 |
| Geico | $589 |
| Allstate | $633 |
| USAA | $300 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
The top option for drivers with bad credit in Somerset is State Farm, with a rate that's 36% cheaper than the city's average. State Farm's average price of $214 for full coverage is $36 less than the rate from Geico, the second-cheapest option.
Farm Bureau, at $283, and Progressive, at $310, are the only other companies with rates cheaper than the city average of $316.
Allstate has the highest rate for Somerset drivers with poor credit, at 58% more than the city's average. Bad credit raises rates more than a speeding ticket in Somerset.
Cheapest car insurance for drivers with poor credit
Company | Monthly rate |
|---|---|
| State Farm | $214 |
| Geico | $250 |
| Farm Bureau | $283 |
| Progressive | $310 |
| Nationwide | $323 |
| Allstate | $498 |
| USAA | $335 |
*USAA is only available to current and former military members and their families.
Car insurance companies with the best customer service in Kentucky
Although price is a major factor in picking an insurance company, strong customer service should also be considered. After an accident or other incident, good service will make things easier during a stressful time.
USAA, Allstate and State Farm have the best service in Kentucky. They were highly rated by in-state customers in a national survey of car insurance claims service.
USAA is only available to military members, veterans and certain family members. See the page on Kentucky car insurance for a full analysis of the best-rated auto insurance companies in the state.
Company | Extremely satisfied | Rated customer service ‘excellent' |
|---|---|---|
| USAA | 68% | 62% |
| Allstate | 64% | 47% |
| State Farm | 59% | 46% |
| Geico | 56% | 42% |
| Progressive | 51% | 34% |
*Overall rank takes both overall satisfaction and customer service into account.
Average car insurance costs in Somerset by neighborhood
Where you live can have a big effect on rates, even within a city. Poor roads or high theft rates can cause car insurance rates to go up.
Somerset spans only two ZIP codes. Drivers on the east and south sides of town, in ZIP code 42501, pay a bit more than drivers who live in 42503, on the west and north sides.
ZIP code | Full coverage | Minimum coverage |
|---|---|---|
| 42501 | $236 | $125 |
| 42503 | $235 | $123 |
| 42564 (West Somerset) | $263 | $154 |
Auto theft statistics in Somerset
Somerset has an auto theft rate below the average for Kentucky overall and some of the state's major cities. The city's rate in 2019 was 2.8 per 1,000 residents — less than the state's average of 3.2.
Rank | City | Population | Car thefts | Thefts per 1,000 residents |
|---|---|---|---|---|
| 1 | Nicholasville | 31,188 | 35 | 1.1 |
| 2 | Richmond | 36,458 | 66 | 1.8 |
| 3 | Hopkinsville | 30,895 | 64 | 2.1 |
| 4 | Florence | 32,848 | 72 | 2.2 |
| 5 | Georgetown | 35,106 | 88 | 2.5 |
| — | Somerset | 11,519 | 32 | 2.8 |
| 6 | Lexington | 326,070 | 906 | 2.8 |
| 7 | Owensboro | 60,107 | 200 | 3.3 |
| 8 | Bowling Green | 69,627 | 254 | 3.6 |
| 9 | Covington | 40,350 | 167 | 4.1 |
| 10 | Louisville Metro | 675,501 | 3,934 | 5.8 |
Motor vehicle theft data was pulled from the FBI's 2019 Kentucky crime report. Ranked cities are the ten most populous in the state.
What's the best car insurance coverage in Somerset, KY?
Full coverage includes the minimum state requirements for liability, as well as comprehensive and collision. On average, going from minimum to full coverage raises rates 90% in Somerset.
- Comprehensive: Covers damage to your car caused by non-crash events, such as vandalism, hail or animal damage, as well as theft.
- Collision: Covers damage from a crash, regardless of fault. That includes single-vehicle accidents.
Methodology
Quotes were collected and analyzed from seven major insurance companies for ZIP codes in Somerset, Kentucky. The rates are for a 30-year-old man with a 2015 Honda Civic EX and average credit, for full coverage (unless otherwise stated).
The following limits were used for full coverage policies:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person and $100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured and underinsured motorist bodily injury | $50,000 per person and $100,000 per accident |
| Comprehensive and collision | $500 deductible |
Insurance rate data came from Quadrant Information Services, which publicly sources information from insurance company filings. Rates should be used for comparative purposes only, as your rates will likely differ.
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