After examining quotes from 16 different auto insurance companies that offer coverage in Somerset, we found that The Cincinnati featured the cheapest rates. With a rate of $1,020 per year, The Cincinnati's car insurance quote was 46% cheaper than what we found to be the Somerset average. Enter your zip code above to begin comparing quotes from a number of insurers.

Somerset, Kentucky Car Insurance Costs

We found that the average car insurance rate for Somerset drivers—across the insurance companies that we considered—to be $1,889 per year. This rate is almost exactly the same as the Kentucky state average car insurance cost of $1,885 per year. We also observed that there is a huge range of insurance costs in Somerset—with the cheapest insurance company offering rates 75% cheaper than those offered by the most expensive insurer.

Somerset, Kentucky Auto Insurance Agents

Independent car insurance agents can help you manage your policy, by adding and removing vehicles or drivers from your policy for you. Somerset drivers that are interested in connecting with, or purchasing a car insurance policy from a local agent should consult the directory we've included below.

Car Insurance Requirements in Somerset, Kentucky

Somerset car owners must meet the Kentucky standard for auto insurance coverage. This includes bodily injury and property damage liability coverage—which are required in almost all states. Below, we've detailed the minimum coverage limits for the state of Kentucky:

Somerset, Kentucky Motor Vehicle Theft and Fatality Statistics

Somerset residents will be happy to know that their city has a vehicle theft rate that is 17% lower that Kentucky average. This could lead to lower auto insurance costs, as insurance companies look at the frequency of vehicle thefts in given area when setting rates for comprehensive coverage—which pays out if your car is stolen.