Buy Cheap Independence, KY Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

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.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • 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.

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