Buy Cheap Independence, KY Auto Insurance in 2023
Independence, KY auto insurance rates average $312 a month. Minimum auto insurance requirements in Independence, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Independence, KY, compare Independence auto insurance quotes from top companies.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Independence, KY for teens drivers are $7,499/year
- Average auto insurance rates in Independence, KY after a DUI are $4,472/year
- The most expensive auto insurance company in Independence after a DUI is Geico
Finding affordable Independence, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Independence, KY auto insurance with confidence is right here. Auto insurance rates in Independence are affected by local factors as well as personal ones like your driving record.
See how Independence, KY car insurance rates compare to Richmond auto insurance rates, Frankfort auto insurance rates, and Hopkinsville auto insurance rates before you read more about the cost of auto insurance in Independence.
Don’t buy Independence, KY auto insurance until you’ve compared rates. Get free Independence, Kentucky auto insurance quotes when you enter your ZIP code above.
Independence, KY Minimum Auto Insurance Requirements
The required auto insurance in Independence, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Independence, Kentucky is outlined here.
Minimum Required Auto Insurance Coverage in Independence, 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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Find Cheap Independence, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Independence, KY. Take a look at Independence, Kentucky auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Independence, Kentucky
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,872 | $4,770 | $3,974 |
| Geico | $6,211 | $3,100 | $2,020 |
| Liberty Mutual | $6,374 | $3,947 | $3,117 |
| Nationwide | $4,327 | $3,424 | $2,983 |
| Progressive | $4,308 | $3,781 | $3,534 |
| State Farm | $3,626 | $2,189 | $1,707 |
| Travelers | $4,367 | $3,711 | $3,696 |
| USAA | $3,882 | $2,197 | $1,796 |
Buy Cheap Independence, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Independence, Kentucky auto insurance rates? Find out how car insurance rates in Independence, KY are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Independence, 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 | $2,937 | $2,897 | $2,664 | $2,840 | $11,137 | $12,532 | $3,230 | $3,403 |
| Geico | $3,007 | $2,780 | $3,153 | $2,855 | $6,355 | $7,510 | $2,450 | $2,106 |
| Liberty Mutual | $2,393 | $2,583 | $2,043 | $2,274 | $10,207 | $11,266 | $2,493 | $2,577 |
| Nationwide | $2,572 | $2,570 | $2,336 | $2,431 | $5,699 | $7,063 | $2,908 | $3,044 |
| Progressive | $1,846 | $1,748 | $1,666 | $1,671 | $9,146 | $10,316 | $2,282 | $2,320 |
| State Farm | $1,548 | $1,548 | $1,388 | $1,388 | $4,640 | $5,895 | $1,730 | $1,922 |
| Travelers | $1,703 | $1,731 | $1,682 | $1,682 | $8,012 | $12,767 | $1,784 | $2,035 |
| USAA | $1,737 | $1,727 | $1,575 | $1,586 | $4,793 | $5,027 | $2,182 | $2,373 |
Buy Cheap Independence, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Independence can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Independence, KY are listed here.
Annual Auto Insurance Rates for Teen Drivers in Independence, Kentucky
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,137 | $12,532 |
| Geico | $6,355 | $7,510 |
| Liberty Mutual | $10,207 | $11,266 |
| Nationwide | $5,699 | $7,063 |
| Progressive | $9,146 | $10,316 |
| State Farm | $4,640 | $5,895 |
| Travelers | $8,012 | $12,767 |
| USAA | $4,793 | $5,027 |
Buy Cheap Independence, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Independence, Kentucky by comparing Independence senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Independence, KY here.
Annual Auto Insurance Rates for Senior Drivers in Independence, Kentucky
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,664 | $2,840 |
| Geico | $3,153 | $2,855 |
| Liberty Mutual | $2,043 | $2,274 |
| Nationwide | $2,336 | $2,431 |
| Progressive | $1,666 | $1,671 |
| State Farm | $1,388 | $1,388 |
| Travelers | $1,682 | $1,682 |
| USAA | $1,575 | $1,586 |
Find Cheap Auto Insurance Rates in Independence, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Independence, Kentucky auto insurance. Compare Independence, KY auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Independence, Kentucky
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,844 | $5,185 | $5,586 |
| Geico | $3,526 | $3,764 | $4,041 |
| Liberty Mutual | $4,277 | $4,453 | $4,709 |
| Nationwide | $3,592 | $3,541 | $3,601 |
| Progressive | $3,567 | $3,835 | $4,222 |
| State Farm | $2,340 | $2,507 | $2,676 |
| Travelers | $3,723 | $3,946 | $4,105 |
| USAA | $2,501 | $2,619 | $2,754 |
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Find Cheap Independence, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Independence. Compare auto insurance rates in Independence, KY by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Independence, Kentucky
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,205 | $5,205 |
| Geico | $3,742 | $3,812 |
| Liberty Mutual | $4,479 | $4,479 |
| Nationwide | $3,578 | $3,578 |
| Progressive | $3,874 | $3,874 |
| State Farm | $2,444 | $2,571 |
| Travelers | $3,925 | $3,925 |
| USAA | $2,530 | $2,720 |
Find Cheap Independence, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Independence, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Independence, KY, take a look at the average cost for various violations versus rates for a clean driving record in Independence.
Annual Independence, Kentucky Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,298 | $5,632 | $6,027 | $4,863 |
| Geico | $2,260 | $4,006 | $6,074 | $2,768 |
| Liberty Mutual | $3,735 | $5,745 | $4,469 | $3,970 |
| Nationwide | $2,872 | $3,676 | $4,615 | $3,149 |
| Progressive | $3,206 | $4,752 | $3,653 | $3,886 |
| State Farm | $2,290 | $2,725 | $2,507 | $2,507 |
| Travelers | $3,428 | $3,523 | $5,077 | $3,671 |
| USAA | $1,974 | $2,789 | $3,354 | $2,382 |
Find Cheap Independence, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Independence, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Independence for less when you shop around and compare rates from multiple Independence, KY auto insurance companies.
Annual Auto Insurance Rates After a DUI in Independence, Kentucky
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,027 |
| Geico | $6,074 |
| Liberty Mutual | $4,469 |
| Nationwide | $4,615 |
| Progressive | $3,653 |
| State Farm | $2,507 |
| Travelers | $5,077 |
| USAA | $3,354 |
Winners by Category: Where to Buy Cheap Auto Insurance in Independence, KY
Compare rates from the cheapest auto insurance companies in Independence, KY for your needs. Take a look at how Independence, Kentucky auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Independence, Kentucky
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Independence, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Independence, KY auto insurance companies overall, you can compare them here. Find the best price for Independence, Kentucky car insurance by company.
Average Annual Auto Insurance Rates by Company in Independence, Kentucky
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,205 |
| Geico | $3,777 |
| Liberty Mutual | $4,479 |
| Nationwide | $3,578 |
| Progressive | $3,874 |
| State Farm | $2,507 |
| Travelers | $3,925 |
| USAA | $2,625 |
What affects Independence, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Independence, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Independence auto insurance rates.
Commute Times in Independence
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Independence, KY is 28.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Independence, KY
You can buy cheap Independence, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Independence, Kentucky auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to buy cheap auto insurance in Independence, KY?
Yes, it is possible to find affordable auto insurance in Independence, KY. By comparing quotes from different insurance providers and considering factors such as your driving history, vehicle type, and coverage needs, you can find a policy that fits your budget.
How can I save money on auto insurance in Independence, KY?
Here are the five ways to save money on auto insurance in Independence, KY:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Consider raising your deductibles, but ensure you can afford them if you need to file a claim.
- Ask about available discounts, such as multi-policy discounts, good student discounts, or safe driver discounts.
- Keep your credit score in good shape, as some insurers consider it when calculating premiums.
Is it better to buy auto insurance directly from the company or through an agent in Independence, KY?
Whether to buy insurance directly from the company or through an agent depends on personal preference and convenience. Buying directly from the company may offer more flexibility and the ability to compare quotes easily online. Working with an agent can provide personalized guidance and assistance in understanding coverage options, but it may involve additional fees or commissions.
How often should I review my auto insurance policy in Independence, KY?
It is recommended to review your auto insurance policy annually or whenever significant changes occur in your life, such as purchasing a new vehicle, moving to a different address, or experiencing changes in your driving habits. Regularly reviewing your policy ensures it continues to meet your coverage needs and helps you stay updated on available discounts or better rates from other insurers.
What should I do if I have trouble finding affordable auto insurance in Independence, KY?
If you’re having trouble finding affordable auto insurance in Independence, KY, consider reaching out to an independent insurance agent or broker who can help you explore more options. They can leverage their industry knowledge and connections to find suitable coverage at a competitive price. Additionally, they can provide guidance on factors that might be affecting your premium rates and suggest ways to improve your insurability.
Can I get auto insurance coverage for a leased or financed vehicle in Independence, KY?
Yes, if you have a leased or financed vehicle in Independence, KY, you are typically required to carry full coverage insurance. This typically includes liability coverage, collision coverage, and comprehensive coverage. It’s important to check with your leasing company or finance institution for any specific insurance requirements they may have.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.